Julie Gulla, CIMA®
Senior Vice President, Wealth Advisor, Portfolio Management Director, Alternative Investments Director, Family Wealth Director
Phone:
(503) 221-8603(503) 221-8603
The Gulla Gremillion Group at Morgan Stanley
Direct:
(503) 221-8603(503) 221-8603
Toll-Free:
(800) 767-7824(800) 767-7824
Our Mission Statement
Experienced in helping you preserve, grow, and transfer family wealth and values
Our Mission
With any successful company, the CFO is integral in that success by strategically organizing, managing and administering the financial assets of the company. Our team acts as the personal Chief Financial Officer for our clients – organizing, managing and administering the family’s financial assets in close coordination with the client and their key advisors, while helping to preserve, grow, and effectively transfer wealth and values. Our process focuses on guiding your personal transition plan from illiquidity via thorough budget and cash flow analysis, managing risk across assets and liabilities, and aligning your investments with your values.
Services Include
- Wealth ManagementFootnote1
- Alternative InvestmentsFootnote2
- Business PlanningFootnote3
- Executive Financial ServicesFootnote4
- Business Succession PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Fixed IncomeFootnote7
- Lending Products
- Professional Portfolio ManagementFootnote8
- Retirement PlanningFootnote9
- Sustainable InvestingFootnote10
- Long Term Care InsuranceFootnote11
- 529 PlansFootnote12
- Wealth PlanningFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Certifications and Designations
Certified Investment Management Analyst
The CIMA® certification program covers five core topic areas and requires that candidates meet all eligibility requirements, including experience, education, examination, and ethics. This certification continues to be the highest level of advanced investment education for client-facing advisors. Having this designation enables Julie to make effective moves with your investment strategy in order to help meet or exceed your goals.
Alternative Investments Director
As an Alternative Investments Directors, Julie and Evan offer suitable clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. The Gulla Gremillion Group's recommendations are based on your own goals and tolerance for investment risk.
Certified Financial Planner™
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional’s ability in helping clients achieve their goals. Evan's diverse skillset helps clients navigate the complicated financial factors in their life.
Family Wealth Director
A Family Wealth Director (FWD) is a rare distinction, earned by less than 4% of Morgan Stanley’s Financial Advisors as of February 2021. Julie holds this designation, and has undergone distinctive training to complement her extensive experience working with ultra-high net worth families.
2022 Forbes Top Next-Gen Wealth Advisors Best-in-State
Evan Gremillion was named #9 on the Forbes Top Next-Gen Wealth Advisors Best-in-State List (2022).
Forbes Best-In-State Wealth Advisors
Source: Forbes.com
(Awarded Apr 2022)
Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Read MoreForbes Best-In-State Wealth Advisors
Source: Forbes.com
(Awarded Apr 2022)
Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2023 Forbes Top Next-Gen Wealth Advisors Best-in-State
Evan Gremillion was named #5 on the Forbes Top Next-Gen Wealth Advisors Best-in-State List (2023).
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22 - 3/31/23.
Read MoreForbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22 - 3/31/23.
2024 Forbes Top Next-Gen Wealth Advisors Best-in-State
Evan Gremillion was named #5 on the Forbes Top Next-Gen Wealth Advisors Best-in-State List (2024).
[Source: Forbes (Awarded August 2024). Data compiled by SHOOK Research based on time period from Mar 2023-Mar 2024.]
[Source: Forbes (Awarded August 2024). Data compiled by SHOOK Research based on time period from Mar 2023-Mar 2024.]
2025 Forbes Best-In-State Wealth Management Team
The Gulla Gremillion Group at Morgan Stanley was recognized in 2025 as one of the Best-In-State Wealth Management Teams in the state of Oregon by Forbes.
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Resource Center
Family Office Cybersecurity
Family Offices can be quite vulnerable to cyber threats and the dangers of ransomware are real. Consider these best practices to protect your information and assets in an increasingly complex digital world.
Click here to learn more
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
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
Browse the latest offers
Reserved Insights
Curated insights and articles spanning topics such as Family, Lifestyle, Health & Planning, Travel and Giving Back.
Read the latest insights
Family Office Resources
Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges and opportunities. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding solutions to the challenges our clients face, even those challenges that fall well outside the traditional role of wealth managers.
Philanthropic Advisory
Believing that philanthropy must be more than checkbook writing, involved and engaged donors want to feel a connection and offer advice and input above and beyond money. Perhaps you want to use philanthropy to instill values in your children, or you want to apply your business acumen to philanthropy. Maybe it is the grassroots-type of organizations that inspire you. Holding philanthropic conversations with our team and your family to discuss values, motivations, visions and to develop a mission statement is an effective step to achieving long term philanthropic engagement. Deciding on what level of visibility you want, what type of program to support and how long you envision your involvement to last, are your matters that matter to us.
Sustainable Investing
We believe that the global challenges we face in the decades ahead pose critically important questions not only for society at large but also for each of us as individuals, citizens, parents, leaders and policymakers. And for our clients, these challenges are likely to present significant implications for their financial goals and investment decisions. What that means differs by person. When we work together, we talk about your values and the impact you want to make with you money and your life. Part of how we create that impact is by using sustainable investments.
Tax-Efficient Strategies
4 Key Tax Questions for Investors to Consider: factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Explore the Questions HereTrust and Business Sale Planning
Preparing for the transition and sale of a business requires planning across many financial disciplines. Working closely with clients early in this process helps them consider all aspects of the transaction to optimize the economic opportunity. Below are some resources that provide insight on the process of selling a business and different types of trusts to consider.
Women and Divorce
The end of a marriage is a tumultuous time. However, for women, divorce and widowhood can raise a unique set of challenges. Women take on many roles and often navigate complex lives. A solid financial foundation can help women manage their financial future and simplify their financial life.
Read "Taking Control of Your Finances After Divorce or Death of A Spouse
Understanding The Use of Irrevocable Trusts
Explore the different types of irrevocable trusts and the benefits of each in relation to your estate planning. Learn more through the Morgan Stanley Wealth and Estate Planning Video Series.
Learn MoreGift and Estate Tax Planning Concepts to Consider
Understand how specific trust strategies and the management of lifetime gifts can help you maximize your federal estate tax efficiency. Learn more through the Morgan Stanley Wealth and Estate Planning Video Series.
Learn MoreOur Valued Clients
Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services.
We work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and protect their family
- Minimize investment related taxes through advanced strategies
- Address long-term health care needs
- Educate the next generation on how to manage wealth and carry family values forward
- Achieve important philanthropic goals
The solutions we recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
We are here to help you make informed decisions on any financial issue you face.
We work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and protect their family
- Minimize investment related taxes through advanced strategies
- Address long-term health care needs
- Educate the next generation on how to manage wealth and carry family values forward
- Achieve important philanthropic goals
The solutions we recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
We are here to help you make informed decisions on any financial issue you face.
Our Clients Include:
- Founders of high growth companies
- Successful entrepreneurs
- Professionals in the legal, medical, and pharmaceutical industries
- Key executives of large public and privately held companies
- Families spanning multiple generations
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
Location
4800 Meadows Rd
Ste 400
Lake Oswego, OR 97035
US
Direct:
(503) 221-8603(503) 221-8603
Toll-Free:
(800) 767-7824(800) 767-7824
1701 SE Columbia River Dr
Ste 120
Vancouver, WA 98661
US
Direct:
(360) 992-8060(360) 992-8060
Meet The Gulla Gremillion Group
Evan Gremillion, CFP®
Senior Vice President, Wealth Management, Wealth Advisor, Alternative Investments Director, Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(503) 412-6321(503) 412-6321
Samuel Watry, CFA
Investment Consultant
Phone:
(503) 534-3414(503) 534-3414
Jeri Beck
Senior Registered Associate
Phone:
(503) 221-8634(503) 221-8634
About Julie Gulla
Julie Gulla is a Senior Vice President and Family Wealth Director with Morgan Stanley, having joined the firm in 1993. As Executive Financial Services Director, she leads one of the top Pacific Northwest private client groups. Her team provides highly customized financial advice and sophisticated wealth management and planning solutions to corporate executives, successful entrepreneurs, and business owners.
She earned her Certified Investment Management Analyst designation from the University of Pennsylvania Wharton Business School and holds a B.A. in Finance and Marketing.
Julie is a founding member of the Oregon Angel Fund. She sat on the advisory board for the Morgan Stanley Impact Investing Platform and on the Morgan Stanley Alternative Investment Council. She is a long term member of the Investment Management Consultants Association.
Her husband and two daughters keep Julie busy in her free time. They enjoy cycling, running, surfing, good food and fine wine with friends.
She earned her Certified Investment Management Analyst designation from the University of Pennsylvania Wharton Business School and holds a B.A. in Finance and Marketing.
Julie is a founding member of the Oregon Angel Fund. She sat on the advisory board for the Morgan Stanley Impact Investing Platform and on the Morgan Stanley Alternative Investment Council. She is a long term member of the Investment Management Consultants Association.
Her husband and two daughters keep Julie busy in her free time. They enjoy cycling, running, surfing, good food and fine wine with friends.
Securities Agent: AZ, PA, KS, CO, OR, AK, IA, ID, MI, NM, NV, MA, TN, HI, MT, FL, LA, DE, IL, TX, UT, WA, NY, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1408720
NMLS#: 1408720
About Evan Gremillion
Evan Gremillion is a First Vice President at Morgan Stanley with over 13 years of experience. He focuses on working with Executives and business owners on overall wealth planning, Pre/Post-liquidity event planning, concentrated stock diversification issues (Rule 144), and portfolio construction. Having obtained the designation of CERTIFIED FINANCIAL PLANNER™ (CFP®), he is able to go very deep on planning issues that these individuals face, helping them navigate and put together a plan that yields the most effective after-tax outcome.
Evan also creates and runs portfolios for clients; he takes a keen interest in a deep dive fundamental valuation using the Bloomberg Terminal and balances that with Technical charting indicators. Evan holds a Bachelor of Science in Finance and Japanese from Oregon State University; there Evan was involved in the Oregon State Investment Group Fund. He is also involved in many non-profit organizations in Oregon, including Oregon Entrepreneur Network and Technology Association of Oregon. Evan is also a founder of Built Oregon, a digital magazine telling the story of inspiring Oregon small businesses.
Evan lives with his wife, son and daughter in West Linn. When not at work, you will find him mountain biking around the Pacific NW, mixing cocktails, bbqing, or working in the garage.
Evan also creates and runs portfolios for clients; he takes a keen interest in a deep dive fundamental valuation using the Bloomberg Terminal and balances that with Technical charting indicators. Evan holds a Bachelor of Science in Finance and Japanese from Oregon State University; there Evan was involved in the Oregon State Investment Group Fund. He is also involved in many non-profit organizations in Oregon, including Oregon Entrepreneur Network and Technology Association of Oregon. Evan is also a founder of Built Oregon, a digital magazine telling the story of inspiring Oregon small businesses.
Evan lives with his wife, son and daughter in West Linn. When not at work, you will find him mountain biking around the Pacific NW, mixing cocktails, bbqing, or working in the garage.
Securities Agent: NM, TN, KS, UT, IL, AK, CA, AZ, DE, TX, WA, FL, NY, CO, IA, OR, PA, MT, NV, HI, ID, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1294066
NMLS#: 1294066
About Samuel Watry
Samuel Watry / Tel: 503.534.3414
Consulting Group Analyst, Chartered Financial Analyst CFA®
Sam has been with the Firm since 2011 and in the Financial Industry since 2007. He earned the right to use the CFA Charter in 2013 and continues to be an active member in the local society. Growing up in Southeastern Wisconsin, he is a 2x shareholder and fan of the Green Bay Packers. Having lived in the Portland area for over a decade, he can often be found at Providence Park rooting on the Timbers. Sam and his wife Katie have two young children which keep them very active. He is an avid rafter, a member of the Oregon Whitewater Association, and enjoys spending his free time rafting, camping, hiking and all things outdoors. Sam is an AFS Alumnus, after spending a year in Zurich, Switzerland and spent a year living in Saint Petersburg, Russia while his parents taught English.
Consulting Group Analyst, Chartered Financial Analyst CFA®
Sam has been with the Firm since 2011 and in the Financial Industry since 2007. He earned the right to use the CFA Charter in 2013 and continues to be an active member in the local society. Growing up in Southeastern Wisconsin, he is a 2x shareholder and fan of the Green Bay Packers. Having lived in the Portland area for over a decade, he can often be found at Providence Park rooting on the Timbers. Sam and his wife Katie have two young children which keep them very active. He is an avid rafter, a member of the Oregon Whitewater Association, and enjoys spending his free time rafting, camping, hiking and all things outdoors. Sam is an AFS Alumnus, after spending a year in Zurich, Switzerland and spent a year living in Saint Petersburg, Russia while his parents taught English.
Contact Julie Gulla
Contact Evan Gremillion
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Ian McCormick
Private Banker
About Ian McCormick
Ian McCormick is a Private Banker serving Morgan Stanley Wealth Management offices in Oregon.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
NMLS#: 845310
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
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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 Gulla Gremillion Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Alternative 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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9When 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.
10The 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
13Morgan 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.
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, charitable giving, philanthropic 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.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Alternative 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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9When 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.
10The 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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Awards Disclosures
CRC 6491812 (04/2024)
