Phone:
(212) 503-1124(212) 503-1124
The Guidera Dufeu Group at Morgan Stanley
Direct:
(212) 503-2478(212) 503-2478
Our Mission Statement
Striving to make a difference in the lives of the people who look to us for financial guidance
Our Story and Services
For more than 35 years, Catherine Guidera has done what she always hoped she would do when she began her financial career – help people achieve their financial goals with sound advice and personalized attention. The team she founded, The Guidera Dufeu Wealth Management Group, is committed to providing clients who need financial guidance with advice that encompasses not only their investments, but virtually every aspect of their financial lives.
“We take the time to understand who our clients are as people as well as investors,” says Catherine. “Perhaps that’s why our client relationships are marked by their depth and longevity. In fact, many of our clients have passed us on like a legacy to their children and grandchildren, an accomplishment that we find especially gratifying.”
Located in the center of the world’s financial capital, The Guidera Dufeu Group’s Park Avenue office is a place where people can come to discuss their financial concerns and know that they will be listened to and advised with the care and attention they deserve.
“We take the time to understand who our clients are as people as well as investors,” says Catherine. “Perhaps that’s why our client relationships are marked by their depth and longevity. In fact, many of our clients have passed us on like a legacy to their children and grandchildren, an accomplishment that we find especially gratifying.”
Located in the center of the world’s financial capital, The Guidera Dufeu Group’s Park Avenue office is a place where people can come to discuss their financial concerns and know that they will be listened to and advised with the care and attention they deserve.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What to Expect From Us
Clients come to us for different reasons. Some are wondering how they are going to retire and pay for their daughter’s law school tuition. Others are concerned about caring for an aging parent. Still others are trying to figure out the best way to exit their business without triggering excessive taxes or damaging family relationships.
For all these clients, we go the extra mile in trying to understand who they are, what they hope to achieve and what they feel might be standing in their way. We take inventory of their finances, of course, but we go beyond their personal balance sheets to determine who they are as people, not just investors.
During our initial meetings, we’ll ask you questions about such issues as:
• Your retirement plans – what does retirement look like to you and when do you hope to begin that next phase of your life?
• Family aspirations – Are your kids nearing college age or do they have families of their own whom you’d like to be able to help financially?
• Material goals – Do you envision staying in your home, downsizing, or perhaps buying a vacation property? Are there other acquisitions you’re thinking about and wondering whether you can afford them?
• Charitable commitments – What organizations are important to you and how do you hope to support them?
• Special circumstances: Are you adapting financially to the loss of a spouse or perhaps concerned about providing ongoing care for a special needs child? Are you a caregiver for a parent or other relative?
• Business issues – Do you own your own business? Are you grappling with such issues as managing cash efficiently, offering meaningful benefits like a 401(k) or other retirement plan, contemplating an exit strategy?
Our approach to advising clients is comprehensive and deeply personal. What’s more, as Morgan Stanley Financial Advisors, we offer access to extensive resources and experienced professionals who can collaborate with us to help you meet the specific challenges you face.
For all these clients, we go the extra mile in trying to understand who they are, what they hope to achieve and what they feel might be standing in their way. We take inventory of their finances, of course, but we go beyond their personal balance sheets to determine who they are as people, not just investors.
During our initial meetings, we’ll ask you questions about such issues as:
• Your retirement plans – what does retirement look like to you and when do you hope to begin that next phase of your life?
• Family aspirations – Are your kids nearing college age or do they have families of their own whom you’d like to be able to help financially?
• Material goals – Do you envision staying in your home, downsizing, or perhaps buying a vacation property? Are there other acquisitions you’re thinking about and wondering whether you can afford them?
• Charitable commitments – What organizations are important to you and how do you hope to support them?
• Special circumstances: Are you adapting financially to the loss of a spouse or perhaps concerned about providing ongoing care for a special needs child? Are you a caregiver for a parent or other relative?
• Business issues – Do you own your own business? Are you grappling with such issues as managing cash efficiently, offering meaningful benefits like a 401(k) or other retirement plan, contemplating an exit strategy?
Our approach to advising clients is comprehensive and deeply personal. What’s more, as Morgan Stanley Financial Advisors, we offer access to extensive resources and experienced professionals who can collaborate with us to help you meet the specific challenges you face.
It Starts With a Financial Plan
Once we understand your goals, we work with you to quantify how much they will cost. As Morgan Stanley Financial Advisors, we have access to the firm's sophisticated financial planning platform that enables us to determine whether you have a gap or a surplus between the projected cost of your goals and your overall resources. In addition, your plan will provide you with specific recommendations for helping achieve your goals in not only your investment activities, but such diverse disciplines as retirement planning, estate planning strategies, risk management and strategic use of debt.
Implementing Your Plan
After presenting your plan to you, we work closely with you to bring it to life. That may entail additional consultation with Morgan Stanley professionals who focus on estate planning, lending strategies and other disciplines relevant to your situation. It will also involve the development of an investment strategy to help meet the challenges we identified in our plan development process. We work closely with Morgan Stanley's Global Investment Committee to create a customized asset allocation that reflects your goals, timeframe and risk tolerance. We also collaborate with the firm's Consulting Group to evaluate third party investment managers for performance, the level of risk assumed in an effort to achieve that performance, and organizational excellence.
Evaluating Your Progress
Are you proceeding as anticipated toward your financial destination or is an adjustment required? We monitor your performance on an ongoing basis and may alter our strategies when necessary to accommodate changing circumstances in your life or trends in the financial markets.
Business Owner Advisory
You understand risk because you deal with it on a daily basis. From expanding your operations to penetrating new markets, you take risks when necessary and mitigate them when possible. But what about the risks of owning your business beyond day-to-day activities? What happens to your business if anything should happen to you or perhaps a partner or key associate? Have you taken steps to fulfill your vision for your business after you retire? Do you have a vision or are you not yet sure what you really want?
At The Guidera Dufeu Group, we understand the risks that business owners face. And we also understand that those risks involve not only the future of your business but the financial well-being of you and your family. Our comprehensive planning process can help you identify your most pressing challenges and address them with customized strategies that consider both your personal financial objectives and business ambitions. Moreover, we have helped numerous business owners:
- Manage cash flow more effectively to improve cash flow for day-to-day expenses without invading capital earmarked for growth
- Establish cost-effective 401(k) or other retirement plans to help you and your employees save for retirement
- Formulate viable succession strategies
Planning Your Exit: Whether you're contemplating transferring your business interest to family members, liquidating assets or selling your shares to current management or an outside party, you have decisions to make and complex issues to address. Common considerations include:
- What do you really want for yourself, your family members, your employees and the business itself?
- Which transaction structures are relevant to your specific circumstances and goals?
- What are the tax implications of the various alternatives available to you?
- How much is your business actually worth, what can you do to increase its transaction value and liquidity?
- How much will you require from the sale of your business to fulfill the financial aspirations of you and your family.
As a Certified Exit Planning Advisor (CEPA®), Catherine Guidera has helped numerous business owners analyze their prospects for selling their companies at favorable terms and determine how much they will really need from a sale to support their desired lifestyle. Our team has worked with a number of successful business owners and their attorneys, accountants and other advisors to integrate their succession plan with their overall finances and help them understand the many alternatives available to them.
Using Equity Compensation To Help You Meet Your Goals
As a successful corporate executive, you face challenges that other people don't. Your personal wealth is linked inextricably to the fortunes of your company. Your investment portfolio may consist largely of employer stock and stock options that are subject to a myriad of rules of which you may only be vaguely aware. At The Guidera Dufeu Group, we are committed to helping you manage your wealth and make more informed choices. Specifically, we can help you address such issues as:
Generating Liquidity
Executive benefits like deferred compensation, restricted stock plans and incentive stock options can contribute greatly to your family's wealth. The problem is accessing that wealth when you need it. We've worked with numerous executives to help unlock liquidity for current expenses, while retaining employer stock.
Avoiding Over-Concentration
Most corporate executives share an optimistic view of their company's future and consider employer stock to be a sound investment. Perhaps it is, but would you concentrate such a substantial portion of your assets in any other stock? Our team offers objective guidance to diversify your portfolio without necessarily liquidating part of your employer stock position and incurring capital gains tax. Should you choose to sell shares and reinvest the proceeds in other securities, you can be certain that we will help you comply with any applicable regulations.
Understanding Your Options
What happens to your stock options if you decide to retire or leave your job for another employer? Do you own incentive stock options or non-qualified stock options, and do you understand how they differ? Should you consider exercising options now or wait until retirement? At The Guidera Dufeu Group, we can help you answer these questions and equally important, ask the right questions before making any decisions that might be irrevocable
Separating from Service
Different companies have different policies about stock options and other equity compensation programs once you retire or leave the company. Before you make any decisions that might prove irrevocable, we'll help you determine how those choices might affect the benefits you've accumulated. With the help of Morgan Stanley professionals who focus on these areas, we've provided numerous executives with the guidance they needed in an effort to maximize the options and shares that were available to them. We can also help you determine the most tax-efficient way to handle the retirement plan assets you've accumulated throughout your career.
Location
55 East 52nd Street 28th Fl
New York, NY 10055
US
Direct:
(212) 503-2478(212) 503-2478
Meet The Guidera Dufeu Group
Phone:
(212) 503-2478(212) 503-2478
Peyton J. Maple
Client Service Associate
Phone:
(212) 503-2495(212) 503-2495
About Catherine Guidera
Catherine brings more than 36 years of financial services experience to every client she advises. Those clients include high net worth individuals concerned about preserving their wealth and passing it on to the next generation without excessive taxation and family conflict. As a Certified Exit Planning Advisor (CEPA®), she has also helped numerous business owners analyze their prospects for selling their companies at favorable terms and determine how much they will really need from a sale to support their desired lifestyle.
Catherine grew up in the New York metropolitan area and remembers how fascinated she was by the ticker tape at the brokerage office where her aunt took her on a frequent basis. Her fascination compelled her to earn a degree in corporate finance and an MBA from Fairleigh Dickinson University and pursue a financial services career at Lehman Brothers. There, she learned the business from the ground up, starting as an assistant to an experienced Financial Advisor and eventually becoming a full partner in his practice. “The firm was transactional in its approach,” she explains, “and I spent much of my time constructing client portfolios with stocks, bonds and options that I had researched thoroughly. I find it especially gratifying that many of the clients I advised back then are still with me today and have passed me on like a legacy to their children and grandchildren.”
Subsequently, Catherine transitioned her practice to a Morgan Stanley predecessor firm and UBS before returning to Morgan Stanley in 2022. “The support we offer our clients here helps us stand out,” she says. “Technology is cutting edge and our planning platform enables me to provide clients with guidance that goes far beyond their portfolios to encompass other dimensions of their financial lives.”
Catherine is an active member of her community, volunteering with Muddy Paws Rescue, an organization committed to saving dogs from unnecessary euthanasia by finding them homes, educating owners and altering objectionable behavior through training. She is a physical fitness enthusiast and greatly enjoys spending time with her two grown daughters and traveling, especially to Italy where she tries out the conversational Italian she has learned at the classes she takes regularly. An aficionado of Italian food and wines, Catherine is an active member of the exclusive Knights of the Truffle and Wines of Alba.
Catherine grew up in the New York metropolitan area and remembers how fascinated she was by the ticker tape at the brokerage office where her aunt took her on a frequent basis. Her fascination compelled her to earn a degree in corporate finance and an MBA from Fairleigh Dickinson University and pursue a financial services career at Lehman Brothers. There, she learned the business from the ground up, starting as an assistant to an experienced Financial Advisor and eventually becoming a full partner in his practice. “The firm was transactional in its approach,” she explains, “and I spent much of my time constructing client portfolios with stocks, bonds and options that I had researched thoroughly. I find it especially gratifying that many of the clients I advised back then are still with me today and have passed me on like a legacy to their children and grandchildren.”
Subsequently, Catherine transitioned her practice to a Morgan Stanley predecessor firm and UBS before returning to Morgan Stanley in 2022. “The support we offer our clients here helps us stand out,” she says. “Technology is cutting edge and our planning platform enables me to provide clients with guidance that goes far beyond their portfolios to encompass other dimensions of their financial lives.”
Catherine is an active member of her community, volunteering with Muddy Paws Rescue, an organization committed to saving dogs from unnecessary euthanasia by finding them homes, educating owners and altering objectionable behavior through training. She is a physical fitness enthusiast and greatly enjoys spending time with her two grown daughters and traveling, especially to Italy where she tries out the conversational Italian she has learned at the classes she takes regularly. An aficionado of Italian food and wines, Catherine is an active member of the exclusive Knights of the Truffle and Wines of Alba.
Securities Agent: MD, FL, VA, WV, NJ, CT, NY, NV, LA, CO, OR, RI, PA, MA, CA, NC, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2439619
NMLS#: 2439619
About Nicholas Dufeu
As a Financial Advisor and Financial Planning Specialist, Nicholas provides clients with comprehensive financial plans that help them understand where they are in relation to their goals and what they must do to reach those goals within their required timeframe. He is often asked by clients to meet with their children and grandchildren so that they can be better prepared to make financial decisions and manage the wealth that they may inherit someday. In addition, Nicholas works closely with many corporate executives and business owners. Executives seek his advice on their equity compensation and other wealth management needs, while business owners look to him for guidance in managing their cash and planning for potential future liquidity events.
Born and raised in the UK, Nicholas earned a degree in Urban Planning and Design from University College in London. He then worked for Cushman & Wakefield where he bought and sold commercial properties and managed real estate funds on behalf of international investor clients. When his employer offered him the opportunity to work in New York, Nicholas jumped at the chance and served as Cushman & Wakefield’s representative to UBS Wealth Management. There he advised the firm’s management on real estate funds, trends and markets.
“I enjoyed my time in real estate,” he says, “but I was looking for something more – the opportunity to make an impact on people’s lives and help make a difference in their ability to fulfill their aspirations for their families.” That’s when he joined Morgan Stanley and began advising clients on not only their investments, but such diverse disciplines as cash management and estate planning strategies.
Nicholas is an avid tennis player and amateur chef who is active in La Chaine des Rotisseurs, a French wine and gastronomic society. He currently resides in Greenpoint, Brooklyn.
Born and raised in the UK, Nicholas earned a degree in Urban Planning and Design from University College in London. He then worked for Cushman & Wakefield where he bought and sold commercial properties and managed real estate funds on behalf of international investor clients. When his employer offered him the opportunity to work in New York, Nicholas jumped at the chance and served as Cushman & Wakefield’s representative to UBS Wealth Management. There he advised the firm’s management on real estate funds, trends and markets.
“I enjoyed my time in real estate,” he says, “but I was looking for something more – the opportunity to make an impact on people’s lives and help make a difference in their ability to fulfill their aspirations for their families.” That’s when he joined Morgan Stanley and began advising clients on not only their investments, but such diverse disciplines as cash management and estate planning strategies.
Nicholas is an avid tennis player and amateur chef who is active in La Chaine des Rotisseurs, a French wine and gastronomic society. He currently resides in Greenpoint, Brooklyn.
Securities Agent: MD, PA, MA, IL, RI, NY, CA, MI, CT, VA, OR, NJ, NC, IN, DC, NV, CO, WV, TX, GA, FL, LA, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 2438625
NMLS#: 2438625
About Peyton J. Maple
Being the newest member of our team, Peyton ensures that every client is attended to equally and our services are delivered with exceptional quality and in a timely manner. Recently he graduated from Monmouth with honors and played baseball at the Division 1 level.
Contact Catherine Guidera
Contact Nicholas Dufeu
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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
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- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Guidera Dufeu Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 (“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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan 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 legal matters.
8Morgan 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 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.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 (“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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan 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 legal matters.
8Morgan 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 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.
Awards Disclosures
CRC 6491812 (04/2024)
