George A. Haddad, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(513) 762-5385(513) 762-5385
The Haddad Group at Morgan Stanley
Direct:
(513) 762-5385(513) 762-5385
Our Mission Statement
Experienced advisors committed to your success.
Our Story and Services
The Haddad Group was founded on principals of integrity, trust and commitment. Helping simplify our clients lives and create better financial outcomes has been our core focus for decades. To that end, we have strategically grown our team and resources to provide our clients with excellent levels of service and investment solutions, proprietary to our team.
Our service-oriented approach seeks to foster consistency and order in our clients’ financial lives. While certain things are out of anyone’s control, we strive to be proactive rather than reactive. We pride ourselves in helping prevent clients from making avoidable mistakes and look to present clients with opportunities as they arise.
As a team of CERTIFIED FINANCIAL PLANNERS®, we are committed to acting in your best interest. Many of our clients have worked with us for decades, and we’ve become a trusted resource for multiple generations of families along the way. We look forward to providing the same high-level of service and commitment to you.
Our service-oriented approach seeks to foster consistency and order in our clients’ financial lives. While certain things are out of anyone’s control, we strive to be proactive rather than reactive. We pride ourselves in helping prevent clients from making avoidable mistakes and look to present clients with opportunities as they arise.
As a team of CERTIFIED FINANCIAL PLANNERS®, we are committed to acting in your best interest. Many of our clients have worked with us for decades, and we’ve become a trusted resource for multiple generations of families along the way. We look forward to providing the same high-level of service and commitment to you.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Professional Portfolio ManagementFootnote5
- Trust ServicesFootnote6
- Planning for Education FundingFootnote7
- Alternative InvestmentsFootnote8
- Cash Management and Lending ProductsFootnote9
- Asset Management
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
As a team of CFP® professionals, financial planning is the cornerstone of everything we do. Our detail-oriented planning process and educational approach to wealth management, help pave the way to virtually all of your financial goals.
Getting to know you
We first take time to understand your financial life and all its complexities. We’ll discuss your goals and can even help you develop new ones if needed. We will use the information you share to create a flexible financial plan.
Plan Integration
We want you to be confident about your plan and your future. To that end, we take an educational approach to wealth management and do our best to conceptually help simplify when needed. Before we invest, we make sure you fully understand the recommendations, strategy and costs involved.
Plan Development
The financial plan is often the foundation of our relationships. So, we think carefully and act prudently when developing it. We’ll use proprietary managed strategies that take the emotion out of investing as well as other resources available via Morgan Stanley’s open architecture investment platform. We can also consult with your existing team of professionals (including your CPA and attorney) to help create a synergy between various components of your financial life.
Ongoing Assessment
Change is a part of life, and it can impact both your goals and priorities. We’ll keep you informed with timely market updates and periodic performance reviews on a schedule that works for you. Taking advantage of flexibility built into the plan, we’ll make timely adjustments as new life events occur and your goals evolve. In an ever-changing economic and tax environment, we’ll also proactively present you with emerging opportunities that align with your long-term vision of success.
Morgan Stanley at Work
Utilizing the powerful Morgan Stanley at Work platform, we at the Haddad Group are able to help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of modern workplace solutions.
Equity Solutions
Create a culture of excellence through a culture of ownership. Our global equity solutions, including Equity Edge Online® and Shareworks, help your company and your employees make the most of your equity compensation plan, so everyone feels invested in mutual success.
Learn more about equity solutionsCorporate Retirement Solutions
Take care of tomorrow, so your employees can take charge of today. Our Retirement Solutions help your company and employees maximize their benefits and make informed decisions about the future.
Learn more about corporate retirement solutionsFinancial Wellness
Inspire your employees to achieve their goals, wherever they are on their journey. Our Financial Wellness offering helps your employees reduce financial stress and build resiliency, so they can be more confident at work and in life.
Learn more about financial wellness solutionsModern Wealth Management Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows for advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
Total Tax 365
Taxes can be a massive drag on investment returns. Morgan Stanley's Total Tax 365 offers access to a range of different tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn more
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances all in one place.
Register for Morgan Stanley Online today
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative Investments
Digital Vault
Digital Vault allows you to easily and securely manage important documents such as account statements, tax fillings, and other relevant documents with your Financial Advisor.
Get started with Digital Vault todayTotal 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 a comprehensive overview of your assets vs liabilities.
Click here to learn more
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Click hear to learn more
Capital Markets
An integrated organization across fixed income, equities, and structured investments leveraging the thought leadership of Morgan Stanley Research and dedicated product specialists to identify key investment opportunities to help enhance the growth potential of diversified portfolios.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth ManagementResearch & Resources
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
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.
View Offers from Reserved Living & Giving
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out the Latest Episode
Global Investment Committee Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest Report
Global Investment Committee Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
2024 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2024, see all additional information here.
View the 2024 Tax Tables Here
Planning for Life After Selling Your Business
Selling your business is a huge life milestone. We can help guide you through the process, so that you’re able to enjoy the rewards you’ve worked so hard for.
Learn more
Wealth and Estate Planning Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Learn MoreLocation
7755 Montgomery Road 2nd
Floor
Cincinnati, OH 45236
US
Direct:
(513) 762-5385(513) 762-5385
Meet The Haddad Group
Seth R. Willoughby, CFP®, QPFC
Financial Advisor
Phone:
(513) 762-5247(513) 762-5247
M. Caroline Brandenburg
Registered Client Service Associate
Phone:
(513) 762-5312(513) 762-5312
About George A. Haddad
George is a Senior Vice President, Senior Portfolio Management Director, Alternative Investments Director and Financial Advisor at Morgan Stanley. He brings more than two-and-a-half decades of experience in wealth management to his clients with the Haddad Group.
George serves as the lead Portfolio Manager for the team and works closely with his clients to develop customized investment solutions and retirement strategies. He also heads portfolio risk management oversight, alternative investment implementation and portfolio income strategies for the team.
Before joining Morgan Stanley in 2021, George worked with clients as a Senior Vice President, Portfolio Manager and Wealth Management Advisor at another large wealth management firm.
George graduated from Xavier University in 1994 with bachelor's degrees in finance and philosophy. In 2003, he received his CERTIFIED FINANCIAL PLANNER™ certification, awarded by the Certified Financial Planner Boards of Standards, Inc. As a CFP® Professional, George is committed to serving his clients’ best interests. CFP® Professional required to meet rigorous education, training and ethical standards.
Active in the Cincinnati community, George serves on the Presidents Advisory Council (PAC) at Xavier University and volunteers at St. Xavier High School and St. Ursula Academy High School. He lives in Southeast Cincinnati with his wife and three children. He enjoys fly fishing, golf and college sports.
George serves as the lead Portfolio Manager for the team and works closely with his clients to develop customized investment solutions and retirement strategies. He also heads portfolio risk management oversight, alternative investment implementation and portfolio income strategies for the team.
Before joining Morgan Stanley in 2021, George worked with clients as a Senior Vice President, Portfolio Manager and Wealth Management Advisor at another large wealth management firm.
George graduated from Xavier University in 1994 with bachelor's degrees in finance and philosophy. In 2003, he received his CERTIFIED FINANCIAL PLANNER™ certification, awarded by the Certified Financial Planner Boards of Standards, Inc. As a CFP® Professional, George is committed to serving his clients’ best interests. CFP® Professional required to meet rigorous education, training and ethical standards.
Active in the Cincinnati community, George serves on the Presidents Advisory Council (PAC) at Xavier University and volunteers at St. Xavier High School and St. Ursula Academy High School. He lives in Southeast Cincinnati with his wife and three children. He enjoys fly fishing, golf and college sports.
Securities Agent: CO, CT, KS, FL, CA, ME, SC, MO, IN, TX, OH, KY, MA, NY, AZ, MI, HI, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 590886
NMLS#: 590886
About Seth R. Willoughby
As a Financial Advisor and CERTIFIED FINANCIAL PLANNER™ professional at Morgan Stanley, Seth develops personalized investment strategies guided by thoughtful financial planning and disciplined risk management. Whether working with an individual investor or guiding a business owner through complex financial decisions, Seth is committed to helping clients gain clarity, confidence, and peace of mind in their financial lives.
Originally from Columbus, Ohio, Seth attended Xavier University, where he excelled academically and athletically. A former Xavier University baseball standout, Seth still holds the program’s all-time saves record. Following his junior season, he was selected by the Colorado Rockies in the 4th round of the MLB Draft. The discipline, preparation, and collaborative mindset developed during Seth’s athletic career continue to shape his approach to wealth management today.
Seth leads the Haddad Group’s financial planning process and oversees the implementation and risk management of the team’s proprietary managed investment strategies. As a Qualified Plan Financial Consultant (QPFC) credential holder, Seth leads the team’s retirement plan practice, working with businesses and institutions on the design, implementation, and oversight of 401(k) and other ERISA-governed retirement plans.
Seth graduated in the top 10% of Xavier University’s William’s College of Business, earning his degree in finance. Seth now serves on the Board of Executive Advisors to the Finance Department at Xavier University, where he supports curriculum development and strengthens connections between students and the business community.
Seth currently resides in the Oakley neighborhood of Cincinnati with his Newfypoo, Posie.
Originally from Columbus, Ohio, Seth attended Xavier University, where he excelled academically and athletically. A former Xavier University baseball standout, Seth still holds the program’s all-time saves record. Following his junior season, he was selected by the Colorado Rockies in the 4th round of the MLB Draft. The discipline, preparation, and collaborative mindset developed during Seth’s athletic career continue to shape his approach to wealth management today.
Seth leads the Haddad Group’s financial planning process and oversees the implementation and risk management of the team’s proprietary managed investment strategies. As a Qualified Plan Financial Consultant (QPFC) credential holder, Seth leads the team’s retirement plan practice, working with businesses and institutions on the design, implementation, and oversight of 401(k) and other ERISA-governed retirement plans.
Seth graduated in the top 10% of Xavier University’s William’s College of Business, earning his degree in finance. Seth now serves on the Board of Executive Advisors to the Finance Department at Xavier University, where he supports curriculum development and strengthens connections between students and the business community.
Seth currently resides in the Oakley neighborhood of Cincinnati with his Newfypoo, Posie.
Securities Agent: KS, CO, KY, PA, ME, CT, AZ, CA, OH, MI, NY, MO, IN, TX, MA, FL, SC, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1651389
NMLS#: 1651389
About M. Caroline Brandenburg
M. Caroline Brandenburg is a Registered Client Service Associate with The Haddad Group. She is responsible for administrative and operational functions for our team. Caroline grew up in Fort Mitchell, Kentucky and graduated from the University of Kentucky with degrees in Public Relations and Business Administration in 2022. Prior to joining The Haddad Group, Caroline worked in client administration and support at another financial institution.
Contact George A. Haddad
Contact Seth R. Willoughby
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
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact The Haddad Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7When 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.
8Alternative 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.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7When 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.
8Alternative 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.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
