Ziad Habayeb
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(954) 713-8461(954) 713-8461
The Habayeb Group at Morgan Stanley
Our Mission Statement
Understanding your priorities and delivering sustainable solutions, sophisticated advice, and strategic thinking. We strive to build enduring relationships focused on trust, simplicity, transparency, and success.
Our Story and Services
At The Habayeb Group, clients come first, it is part of our culture and belief, this is why It is important to us to really get to know you and what matters most. We believe in cultivating relationships with our clients. Our Team is here to guide you through the complexities of finances & helping you make informed decisions that are in line with your goals. Then working with you to develop a customized integrated Financial Plan that governs all your life’s priorities.
We understand that your financial success depends on more than just the markets. It involves understanding, your goals, and what matters most to you & your Family. That is why we offer a personal approach to financial planning, tailored to your unique needs.
Whether you’re just starting out or have already achieved financial success, we are here to help you pursue your long-term financial goals and make the most of your money.
The Habayeb Group includes 4 highly qualified and experienced financial professionals with a wide range of financial areas of focus.
Our group provides all the services and resources of a large financial institution with the feeling and attention of a boutique firm.
We invite you to come in and meet with us so that we can start getting to know you and your goals. We look forward to meeting you!
We understand that your financial success depends on more than just the markets. It involves understanding, your goals, and what matters most to you & your Family. That is why we offer a personal approach to financial planning, tailored to your unique needs.
Whether you’re just starting out or have already achieved financial success, we are here to help you pursue your long-term financial goals and make the most of your money.
The Habayeb Group includes 4 highly qualified and experienced financial professionals with a wide range of financial areas of focus.
Our group provides all the services and resources of a large financial institution with the feeling and attention of a boutique firm.
We invite you to come in and meet with us so that we can start getting to know you and your goals. We look forward to meeting you!
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Trust ServicesFootnote3
- Financial PlanningFootnote4
- Stock Option PlansFootnote5
- Retirement PlanningFootnote6
- 401(k) Rollovers
- AnnuitiesFootnote7
- Cash ManagementFootnote8
- Estate Planning StrategiesFootnote9
- Life InsuranceFootnote10
- Alternative InvestmentsFootnote11
- Asset Management
- LGBT+ Planning ServicesFootnote12
- Long-term Care InsuranceFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Here you will find some of the various Awards and Accolades achieved by the team or one of it's members.
2024 Forbes Best-in-State
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
2023 Forbes Best-in-State
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
2018 Forbes Best-In-State
Ziad Habayeb, Senior Vice President, Financial Advisor, Portfolio Management Director
Source: Forbes.com (Feb 2018) 2018 Forbes Best-In- State Wealth Advisors rankings awarded in 2018. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/16 - 6/30/17.
Source: Forbes.com (Feb 2018) 2018 Forbes Best-In- State Wealth Advisors rankings awarded in 2018. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/16 - 6/30/17.
2009 Barron's Top 1,000
Ziad Habayeb, Senior Vice President, Financial Advisor, Portfolio Management Director
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
MODERN WEALTH MANAGEMENT TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS ReservedOUR PROCESS
At Morgan Stanley, we believe in taking a holistic approach to understanding our clients' wealth. By having a solid understanding of each client's situation, goals, objectives, and risk tolerance; we are able to craft a solution that helps meet your individual financial needs.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Finacial Plan
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your account helping to ensure a comprehensive plan is put in place.
Step 4: Implementation
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 5: Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Get Started
To get your financial plan started, please reach out by sending us an email which can be found on the home page.
FINANCIAL PLANNING
Goals you set today will evolve over time. Our process is designed to evolve with them. Holistic in its approach, our process will encompass all the elements of your financial and person life, making sure they align with your current future goals.
Estate Planning Strategies
Estate planning is the process of making arrangements to pass down wealth and assets after a person's death. Creating an estate plan early is crucial as it ensures that your wishes are precisely reflected in your estate plan. Proper estate planning gives careful consideration to your future plans, preferences, and goals.
When creating a plan for your estate there are many questions that you might need to ask yourself. We have created a list of these important questions for your reference.
When creating a plan for your estate there are many questions that you might need to ask yourself. We have created a list of these important questions for your reference.
LifeView®
We have access to a sophisticated suite of tools to help you implement the Morgan Stanley wealth management process and translate your goals into reality. Morgan Stanley's LifeView Financial Planning tool's client portal allows us to provide you with more robust financial planning capabilities, while giving you an easier and more intuitive user experience.
Tax, Trust, and Estate Planning Overview
The Wealth and Estate planning Strategists look at all aspects of an individual's estate to understand the potential income tax and estate planning attributes of the vehicles.
Although they may be admitted attorneys, Wealth and Estate Planning Strategists and other Estate Planning Strategies personnel holding legal degrees are acting purely in a non-representative capacity. Neither they or Morgan Stanley provide tax or legal advice to clients or to Morgan Stanley.
Although they may be admitted attorneys, Wealth and Estate Planning Strategists and other Estate Planning Strategies personnel holding legal degrees are acting purely in a non-representative capacity. Neither they or Morgan Stanley provide tax or legal advice to clients or to Morgan Stanley.
CPWA
Certified Private Wealth Advisor® (CPWA®) certification is an advanced professional certification for advisors who serve high-net-worth clients. It’s designed for seasoned professionals who seek the latest, most advanced knowledge and techniques to address the sophisticated needs of clients with a minimum net worth of $5 million. Unlike credentials that focus specifically on investing or financial planning, the CPWA® certification program takes a holistic and multidisciplinary approach.
Location
350 E. Las Olas Blvd
Suite 1200
Fort Lauderdale, FL 33301
US
Direct:
(954) 713-8463(954) 713-8463
Meet The Habayeb Group
Emile Habayeb, CRPC®, CPWA®
Vice President, Financial Advisor, Portfolio Manager
Phone:
(954) 713-8462(954) 713-8462
Andrew Santini
Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(954) 713-8463(954) 713-8463
Cesar Soria, CRPC®
Registered Associate
Phone:
(954) 713-8464(954) 713-8464
About Ziad Habayeb
A 36 year Veteran of Financial services. Born in Beirut Lebanon, Ziad is a graduate of University of South Florida with a B.A. in Business administration and Economics. He began his financial career at Barnet Banks in Florida, followed by an extended careers amongst UBS, Merrill Lynch and currently at Morgan Stanley, where he acquired immense knowledge and experience in the investment arena
Ziad Deeply believes in humanity as his foundation; Patience and kindness as his virtues; Values and trust as essential characteristics. He enjoys traveling and learning about different cultures and history.
Named Barons Top 1000 financial advisors in 2009 & named Forbes “Best in State Wealth Advisor” in 2018.
"Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008."
"Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Feb 2018) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17."
Ziad Deeply believes in humanity as his foundation; Patience and kindness as his virtues; Values and trust as essential characteristics. He enjoys traveling and learning about different cultures and history.
Named Barons Top 1000 financial advisors in 2009 & named Forbes “Best in State Wealth Advisor” in 2018.
"Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008."
"Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Feb 2018) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17."
Securities Agent: CA, WI, MI, CT, PA, MN, AZ, AL, TX, MT, IL, VA, CO, NJ, MA, FL, KY, OH, NE, NC, MO, ME, DE, HI, IN, NY, NH, MD, SC, PR, OR, NV, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 521647
NMLS#: 521647
About Emile Habayeb
A native Floridian born in Naples Florida, and raised in Fort Myers. Emile attended and graduated in 2007 from Florida Gulf Coast University. Immediately following graduation he joined his uncle Ziad Habayeb and they formed The Habayeb Group. They worked at Merrill Lynch from 2009 to 2021 and currently are a part of the wealth management team at Morgan Stanley on Las Olas Blvd. His accolades include his Certified Private Wealth Advisor® (CPWA) and Chartered Retirement Planning Counselor® (CRPC), which allow him to assist clients with the financial planning process to deliver Holistic and Suitable solutions.
Emile lives in Fort Lauderdale with his girlfriend Julia and twin daughters Eliana and Emilia, who Emile believes will someday prove to be his best long-term investment. In his spare time Emile enjoys CrossFit, Traveling, Deep Sea fishing and family/friend gatherings.
Emile lives in Fort Lauderdale with his girlfriend Julia and twin daughters Eliana and Emilia, who Emile believes will someday prove to be his best long-term investment. In his spare time Emile enjoys CrossFit, Traveling, Deep Sea fishing and family/friend gatherings.
Securities Agent: SC, PR, MD, IN, NJ, IL, DC, CT, CA, AZ, VA, OH, MA, GA, WI, TX, OK, ME, LA, DE, NV, NH, CO, OR, MI, IA, HI, PA, NC, FL, TN, NY, AL, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 521646
NMLS#: 521646
About Me
Andrew started his career with Merrill Lynch in 2016 by joining The Habayeb Group. In 2021, The Habayeb Group joined Morgan Stanley where Andrew is a Financial Advisor & Portfolio Manager. He personally focuses on the Financial Planning, Investment Planning & Portfolio Management for The Habayeb Group. Andrew born and raised in Davie Florida, then attended Florida State University for his higher education, earning a B.S. Degree in Finance. He enjoys traveling, the outdoors, water activities and spending time with friends and family. He is an avid supporter of Leukemia & Lymphoma Society and the Make-A-Wish foundation, as he is the longest lasting cancer survivor of the Make-A-Wish organization.
Securities Agent: CA, IN, TN, KY, AL, WI, IL, GA, TX, OK, LA, OH, NJ, CO, WA, PA, NY, NV, NC, MD, MA, DE, HI, SC, MI, AZ, AK, IA, CT, VA, PR, NH, NE, MT, MN, ME, FL, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1622804
NMLS#: 1622804
About Cesar Soria
Cesar has been serving clients in the financial industry for over 20 years. He joined the Habayeb Group in 2019 and plays a key role in optimizing efficiency to a variety of operational processes while providing best in class client service solutions. He attended the University of Florida earning a B.S. in Finance. Cesar lives in Weston where he enjoys traveling, watching Gator games, and spending time with his family and friends.
Contact Ziad Habayeb
Contact Emile Habayeb
Contact Andrew Santini
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
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
Article Image
Ready to start a conversation? Contact The Habayeb Group today.
1Morgan 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4Morgan 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.
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.
6When 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Alternative 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.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4Morgan 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.
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.
6When 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Alternative 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.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
