John T. Souther, CFA, CFP®
Senior Vice President, Financial Advisor, Senior Investment Management Consultant
Phone:
(603) 442-7941(603) 442-7941
The Hanover Group at Morgan Stanley
Direct:
(603) 442-7900(603) 442-7900
Our Mission Statement
Comprehensive Wealth Management for individuals and families; Consulting to institutions and endowments.
The Hanover Group: Our Story and Services
The Hanover Group provides comprehensive wealth management to individuals and families. We seek to build a long-term, consultative relationship with you based on trust, professional knowledge, frequent communication, and prompt, customized personal service. We also provide fiduciary consulting to institutions and endowments.
Peter and John became financial advisors to help clients realize their goals while navigating the complexities of the wealth management landscape. Our background is in investment management, investment banking, commercial banking and insurance, as well as economics. Between us we also have a combined 40+ years of experience advising individuals and families at Morgan Stanley, providing clients with trusted advisors who bring a unique breadth and depth of financial markets expertise.
Awards:
1. Forbes Best-In-State Wealth Management Teams for 2025
2. Forbes Best-In-State Wealth Management Teams for 2024
3. Forbes Best-In-State Wealth Management Teams for 2023
Disclosures:
1. Forbes Best-In-State Wealth Management Teams – Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based on time period from 3/31/23 – 3/31/24.
2. Forbes Best-In-State Wealth Management Teams – Source: Forbes (Awarded Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/22 – 3/31/23.
3. Forbes Best-In-State Wealth Management Teams – Source: Forbes (Awarded Jan 2023). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Peter and John became financial advisors to help clients realize their goals while navigating the complexities of the wealth management landscape. Our background is in investment management, investment banking, commercial banking and insurance, as well as economics. Between us we also have a combined 40+ years of experience advising individuals and families at Morgan Stanley, providing clients with trusted advisors who bring a unique breadth and depth of financial markets expertise.
Awards:
1. Forbes Best-In-State Wealth Management Teams for 2025
2. Forbes Best-In-State Wealth Management Teams for 2024
3. Forbes Best-In-State Wealth Management Teams for 2023
Disclosures:
1. Forbes Best-In-State Wealth Management Teams – Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based on time period from 3/31/23 – 3/31/24.
2. Forbes Best-In-State Wealth Management Teams – Source: Forbes (Awarded Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/22 – 3/31/23.
3. Forbes Best-In-State Wealth Management Teams – Source: Forbes (Awarded Jan 2023). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Investment Philosophy
Our investment philosophy is rooted in leading academic research and industry best practices that incorporate modern portfolio theory as well as behavioral finance and economics. Our Key philosophies for constructing and managing your portfolios are:
Planning Based
Your unique short and long term goals drive our investment decisions and wealth management recommendations. Identifying, quantifying and monitoring what you are invested for may determine what you’re invested in. We work with you and your other trusted advisors in developing a comprehensive plan targeted to your specific and evolving goals.
Asset Allocation and Diversification
A portfolio’s asset allocation will be the primary determinant of investment results. Many investors spend time looking for the “best” investments rather than the appropriate ones that complement and fit within the overall portfolio. Creating a portfolio with exposure to assets that behave differently in the same economic environment can help enhance the portfolio’s return and reduce its volatility.
Long-Term Investments
Over time, the return of an asset class will revert to its long-term average. Effort should be spent on creating an all-weather strategy in the form of a strategic asset allocation to help you achieve long-term investment objectives, with rebalancing and tactical adjustments based on risk mitigation rather than return chasing or other behavioral finance errors.
Eliminating Reactionary Decisions
Investors have behavioral biases that may sometimes cause irrational and inefficient investment decisions. Rebalancing to asset allocation targets is one of the methods we have found to consistently “buy low” and “sell high”, thus helping reduce behavioral biases and overweighting to certain assets.
Our Global Firm, Your Boutique Experience
Each quarter our team provides insights into the current economic and market situation and our expectations moving forward. In addition we provide some timely wealth management articles that cover many of the advanced planning issues we discuss with clients. Below are the most recent editions of The Hanover Group Quarterly Insights.
Materials were originally created on the date referenced in each article and is provided for educational purposes only. The information is not current and should not be viewed or considered as investment advice or an investment strategy. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Morgan Stanley Wealth Management recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Past performance is no guarantee of future results.
Materials were originally created on the date referenced in each article and is provided for educational purposes only. The information is not current and should not be viewed or considered as investment advice or an investment strategy. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Morgan Stanley Wealth Management recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Past performance is no guarantee of future results.
Hanover Group Quarterly Insights - Q4 2024
Hanover Group Quarterly Insights - Q4 2024Hanover Group Quarterly Insights - Q3 2024
Hanover Group Quarterly Insights - Q3 2024Hanover Group Quarterly Insights - Q2 2024
Hanover Group Quarterly Insights - Q2 2024Hanover Group Quarterly Insights - Q1 2024
Hanover Group Quarterly Insights - Q1 2024Hanover Group Quarterly Insights - Q4 2023
Hanover Group Quarterly Insights - Q4 2023Hanover Group Quarterly Insights - Q3 2023
Hanover Group Quarterly Insights - Q3 2023Hanover Group Quarterly Insights - Q2 2023
Hanover Group Quarterly Insights - Q2 2023Hanover Group Quarterly Insights - Q1 2023
Hanover Group Quarterly Insights - Q1 2023Hanover Group Quarterly Insights - Q4 2022
Hanover Group Quarterly Insights - Q4 2022Hanover Group Quarterly Insights - Q3 2022
Hanover Group Quarterly Insights - Q3 2022Hanover Group Quarterly Insights - Q2 2022
Hanover Group Quarterly Insights - Q2 2022Hanover Group Quarterly Insights - Q1 2022
Hanover Group Quarterly Insights - Q1 2022Hanover Group Quarterly Insights - Q4 2021
Hanover Group Quarterly Insights - Q4 2021Hanover Group Quarterly Insights - Q3 2021
Hanover Group Quarterly Insights - Q3 2021Hanover Group Quarterly Insights - Q2 2021
Hanover Group Quarterly Insights - Q2 2021Hanover Group Quarterly Insights - Q1 2021
Hanover Group Quarterly Insights - Q1 2021Hanover Group Quarterly Insights - Q4 2020
Hanover Group Quarterly Insights - Q4 2020Hanover Group Quarterly Insights - Q3 2020
Hanover Group Quarterly Insights - Q3 2020Hanover Group Quarterly Insights - Q2 2020
Hanover Group Quarterly Insights - Q2 2020Hanover Group Quarterly Insights - Q1 2020
Hanover Group Quarterly Insights - Q1 2020Hanover Group Quarterly Insights - Q4 2019
Hanover Group Quarterly Insights - Q4 2019Hanover Group Quarterly Insights - Q3 2019
Hanover Group Quarterly Insights - Q3 2019Hanover Group Quarterly Insights - Q2 2019
Hanover Group Quarterly Insights - Q2 2019Hanover Group Quarterly Insights - Q1 2019
Hanover Group Quarterly Insights - Q1 2019Hanover Group Quarterly Insights - Q4 2018
Hanover Group Quarterly Insights - Q4 2018Hanover Group Quarterly Insights - Q3 2018
Hanover Group Quarterly Insights - Q3 2018Hanover Group Quarterly Insights - Q2 2018
Hanover Group Quarterly Insights - Q2 2018Hanover Group Quarterly Insights - Q1 2018
Hanover Group Quarterly Insights - Q1 2018Hanover Group Quarterly Insights - Q4 2017
Hanover Group Quarterly Insights - Q4 2017Hanover Group Quarterly Insights - Q3 2017
Hanover Group Quarterly Insights - Q3 2017Hanover Group Quarterly Insights - Q2 2017
Hanover Group Quarterly Insights - Q2 2017Hanover Group Quarterly Insights - Q1 2017
Hanover Group Quarterly Insights - Q1 2017Hanover Group Quarterly Insights - Q4 2016
Hanover Group Quarterly Insights - Q4 2016Hanover Group Quarterly Insights - Q3 2016
Hanover Group Quarterly Insights - Q3 2016Hanover Group Quarterly Insights - Q2 2016
Hanover Group Quarterly Insights - Q2 2016Hanover Group Quarterly Insights - Q1 2016
Hanover Group Quarterly Insights - Q1 2016Awards
Forbes Best-In-State Wealth Management Teams 2023-2025
The Hanover Group is proud to have been named one of Forbes Best-In-State Wealth Management Teams for the past 3 years from 2023-2025.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 - 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in Jan of year prior to the issuance of the award.
2025 Forbes LinkForbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 - 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in Jan of year prior to the issuance of the award.
Location
7 Allen St
2nd Floor
Hanover, NH 03755
US
Direct:
(603) 442-7900(603) 442-7900
Meet The Hanover Group
Peter A Stern
Senior Vice President, Financial Advisor, Family Wealth Advisor, Senior Investment Management Consultant
Phone:
(603) 442-7945(603) 442-7945
Brenna Houlihan
Senior Registered Client Service Associate
Phone:
(603) 442-7948(603) 442-7948
About John T. Souther
John Souther is a Senior Vice President, Senior Investment Management Consultant, and Financial Advisor at Morgan Stanley. He began his career in 1998 at a Boston based investment management firm working a portfolio management team and conducting economic research. Prior to moving to the Upper Valley in 2002 and becoming a financial advisor, John spent some time consulting and doing private equity research in the Boston Area before joining Morgan Stanley.
John is a graduate of The College of the Holy Cross with an AB in Economics. John is a member of the CFA institute, he holds the Certified Financial Planner® designation and the Accredited Investment Fiduciary designation.
John and his Hanover Group colleagues bring family-office like investment philosophies and services to their clients framed by a unique combination of educational background as well as a lifetime spent in the cross-disciplines of financial planning, economic research, investment management, and insurance.
John has given back to his community through extensive volunteer experience and board membership. He has served on the board of the Friends of Norris Cotton Cancer Center since 2005 where he was Chair for seven years. John currently resides in Hanover with his wife, their four young children, and Labradoodle, Tuukka. Together they enjoy hockey, skiing, running, and spending time outdoors. John also enjoys rowing when he gets the opportunity.
John is a graduate of The College of the Holy Cross with an AB in Economics. John is a member of the CFA institute, he holds the Certified Financial Planner® designation and the Accredited Investment Fiduciary designation.
John and his Hanover Group colleagues bring family-office like investment philosophies and services to their clients framed by a unique combination of educational background as well as a lifetime spent in the cross-disciplines of financial planning, economic research, investment management, and insurance.
John has given back to his community through extensive volunteer experience and board membership. He has served on the board of the Friends of Norris Cotton Cancer Center since 2005 where he was Chair for seven years. John currently resides in Hanover with his wife, their four young children, and Labradoodle, Tuukka. Together they enjoy hockey, skiing, running, and spending time outdoors. John also enjoys rowing when he gets the opportunity.
Securities Agent: FL, VT, MI, MA, CO, ME, KY, WV, WA, UT, TX, RI, OH, AL, VA, PA, NY, IN, DE, CA, MT, AZ, NJ, NH, KS, CT, AK, OR, MO, MD, MN, NC, IL, HI, GA, WY, SC, ID; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 178838
NMLS#: 178838
About Peter A Stern
Peter Stern is a Senior Vice President, Senior Investment Management Consultant, Family Wealth Advisor and Branch Manager at Morgan Stanley. He has been advising clients at Morgan Stanley since 1997. Prior to joining Morgan Stanley he worked as an investment banker at JP Morgan, Paine Webber and Swiss Bank Corporation. Peter is a graduate of Brown University (BA) and the Tuck School of Business at Dartmouth College (MBA).
Peter and his Hanover Group colleagues bring investment philosophies and services to their clients framed by a distinctive combination of educational background as well as a lifetime spent in the cross-disciplines of lending, investment banking, insurance, financial planning, and investing. As a Family Wealth Advisor at Morgan Stanley, he focuses on active listening to a family’s unique values, circumstances, and goals in working with clients as a steward of their well-being.
Active in his community, Peter has considerable volunteer experience through board membership for several arts and human services organizations as well as extensive fundraising for elementary, secondary and higher educational institutions. Peter and his wife, Kim, have five children. They and their Golden Retriever, Tucker, currently reside in Lyme, NH. He enjoys skiing, squash, classical music and participation in a men’s book club.
Peter and his Hanover Group colleagues bring investment philosophies and services to their clients framed by a distinctive combination of educational background as well as a lifetime spent in the cross-disciplines of lending, investment banking, insurance, financial planning, and investing. As a Family Wealth Advisor at Morgan Stanley, he focuses on active listening to a family’s unique values, circumstances, and goals in working with clients as a steward of their well-being.
Active in his community, Peter has considerable volunteer experience through board membership for several arts and human services organizations as well as extensive fundraising for elementary, secondary and higher educational institutions. Peter and his wife, Kim, have five children. They and their Golden Retriever, Tucker, currently reside in Lyme, NH. He enjoys skiing, squash, classical music and participation in a men’s book club.
Securities Agent: KS, ID, OK, LA, WY, SD, HI, IA, KY, TN, VI, WV, PA, DC, ME, MS, NE, VT, WI, WA, VA, UT, TX, SC, RI, PR, OR, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MO, MN, MI, MD, MA, IN, IL, GA, FL, DE, CT, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 175271
NMLS#: 175271
About Brenna Houlihan
Brenna joined The Hanover Group in 2013 after 27 years working in wealth management in New York City. She is responsible for the day-to-day operations of the team as well as all aspects of client service. Brenna manages client account maintenance, including managing new client relationships; she also handles all operational procedures and assists clients with cash management. She began her career with Lehman Brothers in 1986 and joined Morgan Stanley in 2008, both in New York City. Brenna grew up in Dorset, VT and received her BA from Fordham University in New York City where she worked until moving back home in 2013.
Contact John T. Souther
Contact Peter A Stern
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
Christopher Dubie, CRPS®
Financial Advisor, Corporate Retirement Director, Financial Wellness Director
Julie Braun, CRPS®
Financial Advisor, Corporate Retirement Director, Financial Wellness Director
Trent Blossom, CFP®, CIMA®
Financial Planning, Vice President
About Trent Blossom
Trent Blossom is a Vice President, Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Maine, New Hampshire, and Vermont. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Trent began his career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to his current position, he served as a Wealth Advisor at a registered investment advisor in Maine and worked in a variety of roles at MFS Investment Management in Boston, MA.
Trent graduated from Bowdoin College with a degree in Economics. He completed the College for Financial Planning education program and is a CFP® practitioner. Trent earned his Certified Investment Management Analyst® designation through the Investments and Wealth InstituteTM in conjunction with the Wharton School of Finance at the University of Pennsylvania. Trent resides in Kennebunk, ME with his wife, Emily, and two sons.
Trent began his career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to his current position, he served as a Wealth Advisor at a registered investment advisor in Maine and worked in a variety of roles at MFS Investment Management in Boston, MA.
Trent graduated from Bowdoin College with a degree in Economics. He completed the College for Financial Planning education program and is a CFP® practitioner. Trent earned his Certified Investment Management Analyst® designation through the Investments and Wealth InstituteTM in conjunction with the Wharton School of Finance at the University of Pennsylvania. Trent resides in Kennebunk, ME with his wife, Emily, and two sons.
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Hanover 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4When 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.
5The 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.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4When 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.
5The 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.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
