Phone:
(802) 652-6028(802) 652-6028
The Green Mountain Group at Morgan Stanley
Direct:
(802) 658-2424(802) 658-2424
Toll-Free:
(800) 446-0193(800) 446-0193
Our Mission Statement
Providing excellence by helping clients like you with your personalized investment, financial strategies, and life goals.
Our Story
Our goal is to thoroughly understand your financial needs and then align the resources to help you meet or exceed them. We can help you evaluate near-term concerns and plan for long-term goals, be a sounding board for investment ideas, assist you in developing and executing a strategy that is precisely your own and helps you meet your needs.
Your wealth strategy doesn’t just consider your investment objectives. Rather, it is tailored to address the personal life goals you’ve identified and prioritized.
Using our suite of tools — our LifeView® platform — we can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Your wealth strategy doesn’t just consider your investment objectives. Rather, it is tailored to address the personal life goals you’ve identified and prioritized.
Using our suite of tools — our LifeView® platform — we can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
LifeView® Helps Us:
- Analyze your current investments, and financial situation
- Review and prioritize your goals with you, such as Retirement
- Education funding
- Major purchases and philanthropic goals
- Protect your goals
- Develop wealth transfer strategies
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- AnnuitiesFootnote2
- Asset Management
- Cash ManagementFootnote3
- Corporate BondsFootnote4
- Divorce Financial AnalysisFootnote5
- Financial PlanningFootnote6
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Professional Portfolio ManagementFootnote9
- Retirement PlanningFootnote10
- Sustainable InvestingFootnote11
- Trust AccountsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Planning Ahead
Estate Planning
Position your family for a comfortable future. Our team is devoted to help you and your family facilitate the process of preserving and transferring your wealth. Often the hardest part is starting the conversation and the Green Mountain Group will be a helpful guide through the entire process.
Family Governance & Education
Running a family business, operating a family office or simply investing as a family can be challenging. It is critical to develop a cohesive and thorough framework that helps your family make important financial decisions.
Family Education
Philanthropic Planning
Don't limit your ability to contribute to multiple charities and organizations. With a well constructed plan you can help many causes that are close to your heart.
Philanthropic Planning
Signature Access
Get connected with carefully vetted professionals who can provide an extensive variety of services to help you contain costs, mitigate risks and enhance your overall enjoyment of life. Learn about Signature Access and its Lifestyle Advisory by clicking below.
Signature AccessOur Journey Together
As your dedicated wealth management advisor, The Green Mountain Group will formulate and implement a personalized financial strategy that encompasses virtually all facets of your financial wealth and health. Deploying a step-by-step process that helps keep you informed, involved, and on-track is our priority.
Randy Lamberti, has been recognized again as a Forbes 2021 Best-In-State Wealth Advisor. This recognition is a reflection of Randy's commitment to our clients and the overall success of Morgan Stanley. Putting clients first is one of the five core values that underlie all that we do. Listening to our clients’ needs and ensuring that our clients best interests remains our top priority and are central to our ongoing relationship. Your continued loyalty and support are incredibly important to us and we thank you for helping Randy to achieve this milestone. We look forward to speaking with you soon.
Randy Lamberti, has been recognized again as a Forbes 2021 Best-In-State Wealth Advisor. This recognition is a reflection of Randy's commitment to our clients and the overall success of Morgan Stanley. Putting clients first is one of the five core values that underlie all that we do. Listening to our clients’ needs and ensuring that our clients best interests remains our top priority and are central to our ongoing relationship. Your continued loyalty and support are incredibly important to us and we thank you for helping Randy to achieve this milestone. We look forward to speaking with you soon.
Step 1: Discovery
We will get to know what you and your family value most when building the relationship. Regardless of your goals, we consider your financial and personal situation to carefully craft a financial strategy that is appropriate for you and your loved ones.
Step 2: Creating Your Strategy
Using your life goals and personal circumstances as a blueprint, we will create a risk-balanced strategy that maps out a clear path to help achieve your goals.
Step 3: Strategy Implementation
Coupled with Morgan Stanley's global suite of services, we will conduct careful research and analysis to help ensure that you make calculated and versatile action in various market situations.
Step 4: Adjust Accordingly
Once your plan is implemented, the work has just begun. We consult with you regularly to monitor the performance of your strategy in an effort to ensure that you remain on-track towards your goals despite any changes in life or in the market.
PERSONALIZED SOLUTIONS
From buying a home to rolling over your 401(k) to leaving a lasting legacy, we are here to answer your financial questions and implement the best possible strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
Financial Planning
Life is constantly changing. How do I prepare for a more secure future knowing that certain events – like a divorce or a death in the family – can dramatically impact my plans?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I’ll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Managing Risk
Life’s risks can reveal themselves in many ways – from loss of life to loss of health. How do I protect myself and my family from life’s unknowns?
Professional Portfolio Management
I have so many things I want to do with my life. How can one investment strategy balance them all?
Socially-Responsible Investing
Is there a way to incorporate my personal values into the way I invest without giving up performance?
Charitable Giving
Are my charitable donations having the impact I want them to have?
Growing Older
Given extended life expectancy, how do I make certain I can afford the health services I may need?
Valuable Tools, Resources, and Information
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
Best-in-State Wealth Advisor
Each year, Forbes Magazine releases a list of hand-selected and ranked advisors. In order to make this list, advisors must be nominated by their firm, researched, interviewed, and assigned a rank by SHOOK Research. Randy Lamberti has made the list of Best-In-State Wealth Advisors for the State of Vermont for 2020, 2021, 2022, 2023, and 2024.
2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Disclosures2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Your Assets are Safeguarded at Morgan Stanley
Morgan Stanley invests considerable funds and resources every year in the development, maintenance, and enhancement of programs and processes to protect your assets and personal information. Learn more about Safeguarding Your Assets.
Read Here
Thoughts on the Market Podcast
Each week, Mike Wilson offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Listen Here
The GIC Weekly
The Global Investment Committee (GIC) is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients.
Read Here
10 Policy Actions to Watch in 2024
In this report we discuss our top 10 policy actions to watch and how they might affect both the markets and the economy.
Read Here
What Should I Do With My Money?
Managing our money is one of the most important aspects of our lives, and yet, many people don’t have someone they can depend on for help when they need it. On this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors. Join us as our guests share their stories around life's major moments. And hear the difference having an experienced Financial Advisor on your side can make.
Listen Here
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Access The Online Security Center
Cybercrime Preparedness
Was your email hacked? Your Social Security Number stolen? Do you know how to respond? Learn the steps to take if and when your identity, account, device or information is compromised.
Learn More
Financial Consolidation
Suffering from “account sprawl” because you have accounts with many different financial institutions? New options can help.
Learn MoreLocation
105 West View Rd
5th Fl
Colchester, VT 05446
US
Direct:
(802) 658-2424(802) 658-2424
Toll-Free:
(800) 446-0193(800) 446-0193
Fax:
(802) 860-1623(802) 860-1623
628 Mountain Road
Stowe, VT 05672
US
Direct:
(802) 652-6022(802) 652-6022
Meet The Green Mountain Group
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(802) 652-6034(802) 652-6034
Matthew G Higgins
Senior Vice President, Financial Advisor
Phone:
(802) 652-6044(802) 652-6044
Thomas T Sequist, RICP®
Vice President, Financial Advisor
Phone:
(802) 652-6022(802) 652-6022
Molly Higgins
Financial Advisor
Phone:
(802) 652-6040(802) 652-6040
Susan Senn
Portfolio Associate
Phone:
(802) 652-6047(802) 652-6047
Julie A. DeSpirito
Senior Registered Client Service Associate
Phone:
(802) 652-6057(802) 652-6057
Christine Curtis
Client Service Associate
Phone:
(802) 652-6070(802) 652-6070
Raquel Macaluso
Client Service Associate
Phone:
(802) 652-6077(802) 652-6077
About Randy S Lamberti
Randy began his career in 1998 after earning his Bachelor’s degree from Springfield College in 1996. Randy spent a few years living in Boston after graduation before returning home to his “roots” right here in Vermont. He accepted his first job in the financial Industry with Sentinel Mutual Funds, before eventually joining forces with his father Ron at Smith Barney in 2000. After 10 years working side by side, Randy took over the business after his father retired.
One of the most gratifying things for Randy is the close personal relationships that have developed with his clients over the years. He truly enjoys sitting down with clients to understand what their specific financial goals are, and in turn developing a plan to help his clients meet and exceed their specific goals.
Randy was the Co-founder and Director of “The Autism Puzzle Foundation”, a 501(c)(3) organization created to help children and families living in Vermont deal with the complexities and difficulties of being on the autism spectrum. He also helped design and build the first “Snoezelen” room (a sensory room) in Vermont called the “Imagination Station” that is located in Barre VT.
One of the reasons Randy moved back to Vermont was to be able to enjoy all of the outdoor activities his home state has to offer. His passions include hunting, hiking, golf and coaching youth sports. He lives in his hometown of Barre VT, where he married his “high school sweetheart”, Stacey. They stay busy traveling to watch their twins, Payton and Brady, who compete in gymnastics and hockey respectively.
Direct: (802) 652-6028
Email: Randy.S.Lamberti@morganstanley.com
Series 7 - General Securities Representative
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
Life, Annuities & Health Insurance Licensed
Financial Planning Specialist Designation
One of the most gratifying things for Randy is the close personal relationships that have developed with his clients over the years. He truly enjoys sitting down with clients to understand what their specific financial goals are, and in turn developing a plan to help his clients meet and exceed their specific goals.
Randy was the Co-founder and Director of “The Autism Puzzle Foundation”, a 501(c)(3) organization created to help children and families living in Vermont deal with the complexities and difficulties of being on the autism spectrum. He also helped design and build the first “Snoezelen” room (a sensory room) in Vermont called the “Imagination Station” that is located in Barre VT.
One of the reasons Randy moved back to Vermont was to be able to enjoy all of the outdoor activities his home state has to offer. His passions include hunting, hiking, golf and coaching youth sports. He lives in his hometown of Barre VT, where he married his “high school sweetheart”, Stacey. They stay busy traveling to watch their twins, Payton and Brady, who compete in gymnastics and hockey respectively.
Direct: (802) 652-6028
Email: Randy.S.Lamberti@morganstanley.com
Series 7 - General Securities Representative
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
Life, Annuities & Health Insurance Licensed
Financial Planning Specialist Designation
Securities Agent: CT, NM, ND, PA, NY, MI, IA, GA, UT, OH, NH, FL, VA, DC, TX, TN, NV, MO, WV, WI, SC, CA, RI, NJ, AR, VT, MN, ME, ID, AZ, WA, NC, MD, MA, CO, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1396110
NMLS#: 1396110
About Jim Canavan
Jim grew up south of Boston in the small coastal town of Hingham, Massachusetts. After graduating from Hingham High School as of the class of 1984, Jim attended Northeastern University in Boston and graduated with a Bachelor of Science degree in Economics. While attending Northeastern, Jim participated in the co-op program where he worked for various mutual fund companies located in Boston. Upon graduation in 1989, Jim moved to California and worked in Sales and Marketing for the mutual fund company Benham Capital Management.
With a desire to move back to New England, Jim accepted a position in Sales and Marketing with the Sentinel Mutual Funds in 1993, a National Life of Vermont Company located in Montpelier, VT. Jim was promoted in 2004 as National Sales Director for Equity Services, Inc. where he oversaw the sales and marketing for over 1500 advisors.
In 2008, an opening to join Smith Barney with The Lamberti Group presented itself, and Jim accepted the opportunity to become a Financial Advisor, fulfilling his passion to help individual investors. One of his primary roles on the team has been researching investments (Mutual Funds, Exchange Traded Funds, Closed-end Funds, Unit Investment Trusts, individual stocks, and Socially Responsible Investing).
Jim and his wife Kim have been married for 35 years and live in Barre Town, VT where they raised their two children, Allison and Jonathan. In his spare time Jim enjoys participating with a local evangelical church, boating and snowmobiling in western Maine, golfing, hiking, and enjoying all that Vermont and New England has to offer.
Direct: (802) 652-6034
Cell: (802-591-1810
Email: james.douglas.canavan@ms.com
Series 6 - NASD Registered Representative
Series 7 - General Securities Representative
Series 63 - Uniform State Exam
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
Life, Annuities & Health Insurance Licensed
Financial Planning Associate Designation
Securities Agent: SC, NJ, WV, ME, MN, NH, NY, OK, PA, RI, NC, OH, TX, VA, WY, WI, WA, VT, TN, UT, OR, NM, AZ, MT, CA, CO, MD, MA, DC, IN, IA, GA, FL, CT; General Securities Representative; Investment Advisor Representative
With a desire to move back to New England, Jim accepted a position in Sales and Marketing with the Sentinel Mutual Funds in 1993, a National Life of Vermont Company located in Montpelier, VT. Jim was promoted in 2004 as National Sales Director for Equity Services, Inc. where he oversaw the sales and marketing for over 1500 advisors.
In 2008, an opening to join Smith Barney with The Lamberti Group presented itself, and Jim accepted the opportunity to become a Financial Advisor, fulfilling his passion to help individual investors. One of his primary roles on the team has been researching investments (Mutual Funds, Exchange Traded Funds, Closed-end Funds, Unit Investment Trusts, individual stocks, and Socially Responsible Investing).
Jim and his wife Kim have been married for 35 years and live in Barre Town, VT where they raised their two children, Allison and Jonathan. In his spare time Jim enjoys participating with a local evangelical church, boating and snowmobiling in western Maine, golfing, hiking, and enjoying all that Vermont and New England has to offer.
Direct: (802) 652-6034
Cell: (802-591-1810
Email: james.douglas.canavan@ms.com
Series 6 - NASD Registered Representative
Series 7 - General Securities Representative
Series 63 - Uniform State Exam
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
Life, Annuities & Health Insurance Licensed
Financial Planning Associate Designation
Securities Agent: SC, NJ, WV, ME, MN, NH, NY, OK, PA, RI, NC, OH, TX, VA, WY, WI, WA, VT, TN, UT, OR, NM, AZ, MT, CA, CO, MD, MA, DC, IN, IA, GA, FL, CT; General Securities Representative; Investment Advisor Representative
Securities Agent: IA, ND, WY, SC, OR, OK, NY, NJ, CT, WI, RI, NM, MN, IN, AR, PA, MD, CO, CA, WV, WA, MT, ME, MA, TX, MI, FL, VT, VA, UT, NC, AZ, TN, OH, NH, GA, DC; General Securities Representative; Investment Advisor Representative
About Matthew G Higgins
Matthew G. Higgins is a Financial Advisor with over three decades of experience in the securities industry. Matt is originally from Massachusetts, but fell in love with Vermont after playing hockey at St. Michael’s College and graduating with a BA. Matt works with businesses and their owners as well as high net worth individuals to provide financial planning for life in retirement.
1997 - present: Morgan Stanley*
Senior Vice President
Burlington, VT
1988 - 1997: M.G. Higgins Associates
President
Burlington, VT
1986 - 1988: Northwestern Mutual
Agent
Boston, MA
1986: BA, St. Michaels College
Colchester, VT
2005 - 2010: Green Mountain Glades Youth Hockey
Past President
1997 - present: Morgan Stanley*
Senior Vice President
Burlington, VT
1988 - 1997: M.G. Higgins Associates
President
Burlington, VT
1986 - 1988: Northwestern Mutual
Agent
Boston, MA
1986: BA, St. Michaels College
Colchester, VT
2005 - 2010: Green Mountain Glades Youth Hockey
Past President
Securities Agent: MD, CT, CO, UT, TX, IA, RI, WV, VA, PA, OH, MA, DC, WI, NM, MI, WA, AZ, NY, VT, NH, ME, GA, SC, OR, NJ, FL, CA, NC, MN, AK, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1394797
NMLS#: 1394797
About Thomas T Sequist
Thomas T. Sequist is a Financial Advisor and Financial Planning Specialist. He also holds the RICP® designation. A lifelong Vermonter Tom joined Morgan Stanley in 2004. He is responsible for consulting with clients to perform and refine financial plans, review portfolio holdings and transition clients from saving for retirement to helping create income for retirement. He holds a BS in Business Administration from the University of Vermont
2004 - present: Morgan Stanley*
Vice President
Stowe & Burlington, VT
1999 - 2004: Mt. Mansfield Ski and Snowboard Club
Executive Director
Stowe, VT
1986 - 1990: B.S. - Business Administration,
University of Vermont
Burlington, VT
2006 - 2012: Past Board Member of the VT Ski & Snowboard Museum
Stowe, VT
2004 - present: Morgan Stanley*
Vice President
Stowe & Burlington, VT
1999 - 2004: Mt. Mansfield Ski and Snowboard Club
Executive Director
Stowe, VT
1986 - 1990: B.S. - Business Administration,
University of Vermont
Burlington, VT
2006 - 2012: Past Board Member of the VT Ski & Snowboard Museum
Stowe, VT
Securities Agent: MD, CT, PA, NY, HI, WV, MN, ME, FL, WI, WA, VT, VA, SC, DC, CO, OH, NH, NC, GA, UT, AZ, WY, TN, RI, NJ, MI, MA, CA, TX, OR, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1253094
CA Insurance License #: 0E72054
NMLS#: 1253094
CA Insurance License #: 0E72054
About Molly Higgins
Molly Higgins is a Financial Advisor and Financial Planning Specialist. Born and raised in South Burlington, VT, she attended the University of Vermont where she played Division 1 Field Hockey. After graduation, she moved to Savannah, GA where she lived for six years working in healthcare and the medical device industry. Her passion for helping others and the desire to move home to Vermont seamlessly translated to joining the Green Mountain Group at Morgan Stanley, where she focuses on Financial Planning. In her free time, Molly enjoys golfing, hiking, traveling, and spending time with friends and family.
Series 7 - General Securities Representative
Series 66 – Investment Advisor Representative
Life, Annuities & Health Insurance Licensed
Financial Planning Specialist Designation
NMLS ID: 2583460
Series 7 - General Securities Representative
Series 66 – Investment Advisor Representative
Life, Annuities & Health Insurance Licensed
Financial Planning Specialist Designation
NMLS ID: 2583460
Securities Agent: UT, VA, VT, NY, ME, AZ, CT, WI, WA, TN, OH, IA, WV, GA, CO, SC, MA, OR, NM, NH, MI, MD, RI, PA, NJ, TX, NC, DC, CA, MN, FL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2583460
NMLS#: 2583460
About Julie A. DeSpirito
Born and raised in Vermont - Julie has been with Morgan Stanley providing clients excellent service and attention to detail since 1996.
About Christine Curtis
Christine’s career in the financial industry began after attending Castleton State College. She started as a teller and personal banker at Chittenden Bank in 2004 and later became a Financial Advisor Assistant at Chittenden Securities/People’s Securities in 2006. From 2010 to 2012, Christine worked as a Financial Advisor for People’s Securities before transitioning into the role of Senior Branch Office Administrator at Edward Jones where she helped grow a successful business for 9 years. In 2021, she joined Wells Fargo Advisors as a Senior Client Associate. She is thrilled to have to opportunity to now join the Green Mountain Group here at Morgan Stanley as a Client Service Associate.
Outside of work, Christine enjoys spending time outdoors, going to live concerts and cherishing moments with my friends and family. As a native Vermonter, she grew up in Hinesburg and now resides in Burlington with her son, Malcom, daughter, Amaya and two Frenchton dogs, Emmi and Coco.
Outside of work, Christine enjoys spending time outdoors, going to live concerts and cherishing moments with my friends and family. As a native Vermonter, she grew up in Hinesburg and now resides in Burlington with her son, Malcom, daughter, Amaya and two Frenchton dogs, Emmi and Coco.
Contact Randy S Lamberti
Contact Jim Canavan
Contact Matthew G Higgins
Contact Thomas T Sequist
Contact Molly Higgins
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Green Mountain Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
