Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
The Grossman Benharrouch Group at Morgan Stanley
Direct:
(305) 466-4815(305) 466-4815
Our Mission Statement
Our goal is to help business owners keep more of what they earn, shield them from financial risk—and grow their wealth for generations to come.
Our Story and Services
It’s all about you and your family. Making sacrifices today so you’ll always be able to provide for them. Why else would you be driven to work so hard?
We’re wealth managers who focus on the unique needs of business owners. We take your success very seriously. In fact, each advisor on our team has an advanced designation or degree. We’re craftsman who are highly experienced in building wealth—and helping you preserve it for future generations.
A holistic approach to wealth management
Think of us as the CFO for your personal financial life – experienced at managing assets and mitigating risks. We’ve even turned sophisticated lending into an opportunity to help create synergy between both sides of your balance sheet. And with that insight, comes new growth opportunities.
An investment in technology
It’s not only our people who are at the top of their class, our financial tools are ahead of the curve. Morgan Stanley invests considerably in technology that forges a path to a more tax-efficient strategy. And when we present you with a custom allocation, your expectations for risk and return are properly set.
Our goal is to build your wealth. Build your financial confidence. And above all, build a relationship that propels your success forward. We simplify the complex and create a roadmap that helps you feel more secure today and confident about the future.
Morgan 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
We’re wealth managers who focus on the unique needs of business owners. We take your success very seriously. In fact, each advisor on our team has an advanced designation or degree. We’re craftsman who are highly experienced in building wealth—and helping you preserve it for future generations.
A holistic approach to wealth management
Think of us as the CFO for your personal financial life – experienced at managing assets and mitigating risks. We’ve even turned sophisticated lending into an opportunity to help create synergy between both sides of your balance sheet. And with that insight, comes new growth opportunities.
An investment in technology
It’s not only our people who are at the top of their class, our financial tools are ahead of the curve. Morgan Stanley invests considerably in technology that forges a path to a more tax-efficient strategy. And when we present you with a custom allocation, your expectations for risk and return are properly set.
Our goal is to build your wealth. Build your financial confidence. And above all, build a relationship that propels your success forward. We simplify the complex and create a roadmap that helps you feel more secure today and confident about the future.
Morgan 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
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
So…what’s your retirement number
Whether you’re a business owner, attorney, or corporate executive, one thing all our clients have in common is they want to know their “number”. Exactly how much will it take to retire comfortably and feel confident about the well-being of their family? That all starts with a deeper dive into financial planning.
Financial Planning
Between today’s markets and the financial media it’s easy for even the savviest investor to feel confused. That’s why we create a detailed financial roadmap that’s easy to follow. We incorporate sophisticated risk management tools to build you a plan that presents a clear path forward. So instead of getting distracted by market noise and media hype, you’ll be able to focus on what you do best — growing your business.
Morgan Stanley Smith Barney LLC 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 visit us at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC 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 visit us at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf or consult with your Financial Advisor to understand these differences.
Investing
We believe in preserving and growing your wealth over time. The most important determinant of investment performance is making sure that your asset allocation is properly diversified. We’ll meet with you regularly to ensure that your goals and allocation are consistently in sync.
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
Lending
Strategic borrowing can create new opportunities to build wealth. Our sophisticated lending platform offers solutions that can be personalized to align your needs with your specific goals.
Trust & Estate Planning Strategies
Trust and Estate Planning really is about providing an increased comfort level for yourself and your loved ones. We work collaboratively with your attorney to help create the plan that fits your family. And for those of you with more complex estates, we offer access to our Family Office Resources team.
Insurance
We selectively recommend insurance to manage risk—and in some cases transfer wealth. You’ll have access to a full array of life insurance and annuity products to meet your unique challenges.
Morgan Stanley Smith Barney LLC offers insurance products and annuities in conjunction with its licensed insurance agency affiliates.
Guarantees and contractual obligations are backed by the claims-paying ability of the issuing insurance company.
Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force.
Morgan Stanley Smith Barney LLC offers insurance products and annuities in conjunction with its licensed insurance agency affiliates.
Guarantees and contractual obligations are backed by the claims-paying ability of the issuing insurance company.
Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force.
A CFO for your Personal Financial Life
We focus on helping business owners do more with their wealth. Everyone knows that making your first million feels great and reaching five million feels even better. And by the time you get to $10 or $25 million, you start to realize you have more than just money to manage.
Our clients have clear strategies for running companies but are often challenged when it comes to managing their personal financial lives. Our experience helps guide your growth. Our technology helps develop strategies designed to help minimize your risk and mitigate taxes. Our dashboard enables you to see all of your investments and liabilities in one place, so you’ll have a vision for where you’re going.
When everything works together, it can open new doors for you and your business. And most importantly, it creates an impactful legacy for your children, grandchildren and great-grandchildren.
• Experience in managing wealth for business owners
• Sophisticated technology to help manage risk and mitigate taxes
• Tax Loss Harvesting
• Legacy planning
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. 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.
Our clients have clear strategies for running companies but are often challenged when it comes to managing their personal financial lives. Our experience helps guide your growth. Our technology helps develop strategies designed to help minimize your risk and mitigate taxes. Our dashboard enables you to see all of your investments and liabilities in one place, so you’ll have a vision for where you’re going.
When everything works together, it can open new doors for you and your business. And most importantly, it creates an impactful legacy for your children, grandchildren and great-grandchildren.
• Experience in managing wealth for business owners
• Sophisticated technology to help manage risk and mitigate taxes
• Tax Loss Harvesting
• Legacy planning
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. 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.
Why Hire a CFA® Charterholder to Manage Your Wealth?
Your wealth manager should be on the leading edge of every facet of your financial life, anticipating your needs and helping you create an investment strategy to achieve your goals. CFA® charterholders blend intellectual curiosity and proficiency to deliver premium advice. They are the difference you need.
Here’s why:
Rigor and Knowledge - It takes an average of over 1,000 hours of rigorous study,
along with four years of professional experience, to earn the distinction of being called a Chartered Financial Analyst® (CFA®) charterholder.
Holistic Wealth Management - CFA® charterholders are trained to understand what drives value in all dimensions of your financial life. They have abilities in more than just the art and science of securities analysis and asset allocation. They also possess portfolio management skills, including the ability to integrate tax and intergenerational wealth planning.
Your Interests Come First - CFA® Charterholders recognize that trust is key to building a strong client-adviser relationship and are bound by the highest ethical standards — the CFA® Institute Code of Ethics and Standards of Professional Conduct.
In a complicated world, having a CFA® Charterholder on your side who is confident, ready for tomorrow, and completely committed to your interests is a difference that matters.
© 2018 CFA Institute. All rights reserved
Ethan Grossman
Financial Advisor, CFA®
Here’s why:
Rigor and Knowledge - It takes an average of over 1,000 hours of rigorous study,
along with four years of professional experience, to earn the distinction of being called a Chartered Financial Analyst® (CFA®) charterholder.
Holistic Wealth Management - CFA® charterholders are trained to understand what drives value in all dimensions of your financial life. They have abilities in more than just the art and science of securities analysis and asset allocation. They also possess portfolio management skills, including the ability to integrate tax and intergenerational wealth planning.
Your Interests Come First - CFA® Charterholders recognize that trust is key to building a strong client-adviser relationship and are bound by the highest ethical standards — the CFA® Institute Code of Ethics and Standards of Professional Conduct.
In a complicated world, having a CFA® Charterholder on your side who is confident, ready for tomorrow, and completely committed to your interests is a difference that matters.
© 2018 CFA Institute. All rights reserved
Ethan Grossman
Financial Advisor, CFA®
Location
20807 Biscayne Blvd 6th
Fl
Aventura, FL 33180
US
Direct:
(305) 466-4815(305) 466-4815
Meet The Grossman Benharrouch Group
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(305) 466-4811(305) 466-4811
Jennifer Linares
Client Service Associate
Phone:
(305) 466-4815(305) 466-4815
About Ruben Benharrouch
A founding partner of the Nasso Group, Ruben Benharrouch has more than 15 years of experience helping High-Net-Worth families, especially business owners, bring intentionality to their financial lives. Ruben works closely with clients to help build wealth that can span generations.
Ruben focuses on Investments, Lending Solutions, Insurance and Estate Strategy. He also has vast international experience and can speak English and French fluently, plus Spanish conversationally. Ruben has lived on three continents throughout his life, which gives him a unique insight into today’s global economy.
Ruben started his career at Merrill Lynch Wealth Management in 2011 before moving to Morgan Stanley in 2022 as Senior Vice President, Financial Advisor, and Portfolio Manager. Ruben graduated from the University Paris IX Dauphine and the ENSAE (Paris Graduate School of Economics, Statistics and Finance) in 2007 with Master’s degree in Statistics and Mathematics applied to Finance. His credentials include Certified Private Wealth Advisor ®, a professional designation awarded by the Investment and Wealth institute.
As the father of four children, Ruben and his wife enjoy the people, restaurants and culture of the Miami community. His hobbies include tennis, fishing and dining out with friends and family.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan 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
Ruben focuses on Investments, Lending Solutions, Insurance and Estate Strategy. He also has vast international experience and can speak English and French fluently, plus Spanish conversationally. Ruben has lived on three continents throughout his life, which gives him a unique insight into today’s global economy.
Ruben started his career at Merrill Lynch Wealth Management in 2011 before moving to Morgan Stanley in 2022 as Senior Vice President, Financial Advisor, and Portfolio Manager. Ruben graduated from the University Paris IX Dauphine and the ENSAE (Paris Graduate School of Economics, Statistics and Finance) in 2007 with Master’s degree in Statistics and Mathematics applied to Finance. His credentials include Certified Private Wealth Advisor ®, a professional designation awarded by the Investment and Wealth institute.
As the father of four children, Ruben and his wife enjoy the people, restaurants and culture of the Miami community. His hobbies include tennis, fishing and dining out with friends and family.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan 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
Securities Agent: NJ, MD, MA, TX, NY, NC, FL, PR, KY, DE, VA, IL, AL, TN, GA, CA, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 872652
NMLS#: 872652
About Ethan Grossman
Ethan takes pride in helping High-Net-Worth families, especially business owners, bring intentionality to their financial lives. Ethan’s key strength is in managing assets, mitigating tax burdens, and providing daily guidance on family issues. His team focuses on Investments, Lending Solutions, Insurance, and Estate Strategy.
Ethan started his career at Bank of America in 2005 and joined J.P. Morgan Private Bank in 2010, where he served as Vice President. Ethan became a Wealth Management Advisor at Merrill Lynch in 2015 where he co-founded what is now the Nasso Group. In 2022, Ethan joined Morgan Stanley as First Vice President, Sr. Portfolio Manager and Financial Advisor. His credentials include Chartered Financial Analyst ® and Sr. Portfolio Manager.
As the father of two young children, Ethan and his wife enjoy family time. His hobbies include fishing and volunteer work. Ethan is active in his community. He serves on the Investment Committee for Miami Homes For All, and The Gary A. Glickstein Foundation of Temple Beth Sholom. He is a National Council member for the America Israel Public Affairs Committee and is an active member of the American Enterprise Institute.
Ethan started his career at Bank of America in 2005 and joined J.P. Morgan Private Bank in 2010, where he served as Vice President. Ethan became a Wealth Management Advisor at Merrill Lynch in 2015 where he co-founded what is now the Nasso Group. In 2022, Ethan joined Morgan Stanley as First Vice President, Sr. Portfolio Manager and Financial Advisor. His credentials include Chartered Financial Analyst ® and Sr. Portfolio Manager.
As the father of two young children, Ethan and his wife enjoy family time. His hobbies include fishing and volunteer work. Ethan is active in his community. He serves on the Investment Committee for Miami Homes For All, and The Gary A. Glickstein Foundation of Temple Beth Sholom. He is a National Council member for the America Israel Public Affairs Committee and is an active member of the American Enterprise Institute.
Securities Agent: AL, MD, VA, KY, CO, NY, OR, PR, TX, MA, DE, GA, IL, FL, NJ, NC, CA, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 821374
NMLS#: 821374
About Jennifer Linares
I’m proud to be part of the Grossman Benharrouch Group at Morgan Stanley. As an expert in operations, I oversee the day-today servicing of all our accounts. I take tremendous pride in my work and am very detail-oriented. Clients have full confidence that when they call with a request, I will follow through.
I moved to the U.S. from Cuba in 2007. I graduated from Keiser University where I studied Business Administration and Accounting. My career started at Wells Fargo as a Personal Banker and then I worked as Relationship Manager at Bank of America. This last position lead me to become a Client Associate at Merrill Lynch where I discovered my passion for delivering superior customer service and helping clients achieve their financial goals.
Miami is my home and I love the culture of our community. I enjoy the beach, paddle boarding and dining out with friends and family. I also love to travel, and have recently been to Japan, England and Peru.
I moved to the U.S. from Cuba in 2007. I graduated from Keiser University where I studied Business Administration and Accounting. My career started at Wells Fargo as a Personal Banker and then I worked as Relationship Manager at Bank of America. This last position lead me to become a Client Associate at Merrill Lynch where I discovered my passion for delivering superior customer service and helping clients achieve their financial goals.
Miami is my home and I love the culture of our community. I enjoy the beach, paddle boarding and dining out with friends and family. I also love to travel, and have recently been to Japan, England and Peru.
Contact Ruben Benharrouch
Contact Ethan Grossman
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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
Are You Prepared for Tax Day?
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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
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Ready to start a conversation? Contact The Grossman Benharrouch Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When 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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
Awards Disclosures
2When 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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
Awards Disclosures
CRC 6491812 (04/2024)
