Michael B Anderson
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Chartered Retirement Planning Counselor
The Harbor Oak Group at Morgan Stanley
Direct:
(704) 331-2202(704) 331-2202
Toll-Free:
(866) 219-3101(866) 219-3101
Our Mission Statement
A boutique wealth management group backed by the global resources of Morgan Stanley.
Our Story and Services
In today’s fast-paced and tumultuous world, few people have the time or resources necessary to effectively and proactively manage their own investments. As firm believers in the Family Wealth Management philosophy, we are dedicated to helping clients build, grow, & preserve their wealth through our custom portfolio management strategies. In today’s increasingly dynamic and complicated markets – our disciplined investment process is designed to withstand the ever changing market conditions that can impact your financial goals.
We seek to provide our clients a living wealth management plan that offers them the ability to take care of themselves, provide for their families, and have an impact in their charitable passions. We believe the market produces the material goods necessary to allow people to do the higher things in life.
In 2025, The Harbor Oak Group was named as one of the Best-In-State Wealth Management Teams by Forbes Magazine. (Source: Forbes.com 2025. Data compiled by SHOOK Research LLC)
We seek to provide our clients a living wealth management plan that offers them the ability to take care of themselves, provide for their families, and have an impact in their charitable passions. We believe the market produces the material goods necessary to allow people to do the higher things in life.
In 2025, The Harbor Oak Group was named as one of the Best-In-State Wealth Management Teams by Forbes Magazine. (Source: Forbes.com 2025. Data compiled by SHOOK Research LLC)
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
Ten Investment Principles
Our Investment Strategies - Global Core
Working With You
Morgan Stanley has developed widespread capabilities to help address the many fundamentals of wealth planning. In addition to our group, you also have direct access to a team of dedicated professionals, from experienced trust and estate planning professionals, to Private Bankers, to insurance and long term care analysts, all working together to help develop an integrated financial plan tailored to your unique circumstances. All working closely together, we can establish the appropriate course of action to help you achieve the financial well-being you seek.
Our method is the same for all of our clients: we work closely with them to help articulate their goals and aspirations for themselves, their loved ones, and their businesses. Then we thoughtfully create a wealth management strategy based on their objectives being mindful of risk mitigation, tax issues, and changing economic conditions. We regularly review portfolios with our clients to make sure that their plans are on track towards their goals.
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Our method is the same for all of our clients: we work closely with them to help articulate their goals and aspirations for themselves, their loved ones, and their businesses. Then we thoughtfully create a wealth management strategy based on their objectives being mindful of risk mitigation, tax issues, and changing economic conditions. We regularly review portfolios with our clients to make sure that their plans are on track towards their goals.
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Featured Commentary
Asset Allocation - Pie in the SkyPast Commentary
Break out - now what?Location
6805 Carnegie Blvd
Ste 400
Charlotte, NC 28211
US
Direct:
(704) 331-2202(704) 331-2202
Toll-Free:
(866) 219-3101(866) 219-3101
Meet The Harbor Oak Group
Tony Prudhomme
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Jarrod Hileman
Financial Advisor, Senior Portfolio Manager
Phone:
(704) 571-3201(704) 571-3201
About Michael B Anderson
Mike has over 20 years experience in the wealth management industry advising high net worth families and their businesses on family wealth management, retirement planning, & investment management strategies. Prior to the 17 years he’s been with Morgan Stanley and it’s predecessor firms, he served as a Financial Advisor with Ameriprise Financial in Charlotte after originally being introduced to the business as a college intern with Merrill Lynch in Columbia, SC.
Mike holds the Chartered Retirement Planning Counselor designation from the College for Financial Planning and received his under-graduate degree in Finance from The Darla Moore School of Business at the University of South Carolina in Columbia. He is a Senior Portfolio Management Director within Morgan Stanleys Portfolio Management Group. In 2022, Mike was named as one of the top Best-In-State Wealth Advisors by Forbes Magazine. In 2019, Mike was named to the top Best-in-State Next-Gen Advisors by Forbes. He focuses heavily on retirement income planning and serves as Co-Portfolio Manager for Harbor Oak’s portfolio management strategies.
Mike is involved with the National Eagle Scout Association as well as the Carolina Area Resource Team, providing assistance to local active military personnel and their families.
Mike lives in Tega Cay, SC with his three children, William, Christopher, & Annabelle.
2022 & 2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2022 and 2019. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Mike holds the Chartered Retirement Planning Counselor designation from the College for Financial Planning and received his under-graduate degree in Finance from The Darla Moore School of Business at the University of South Carolina in Columbia. He is a Senior Portfolio Management Director within Morgan Stanleys Portfolio Management Group. In 2022, Mike was named as one of the top Best-In-State Wealth Advisors by Forbes Magazine. In 2019, Mike was named to the top Best-in-State Next-Gen Advisors by Forbes. He focuses heavily on retirement income planning and serves as Co-Portfolio Manager for Harbor Oak’s portfolio management strategies.
Mike is involved with the National Eagle Scout Association as well as the Carolina Area Resource Team, providing assistance to local active military personnel and their families.
Mike lives in Tega Cay, SC with his three children, William, Christopher, & Annabelle.
2022 & 2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2022 and 2019. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: CO, VA, NC, MO, PA, MD, MA, NJ, MI, KS, IN, CA, UT, TN, OR, IL, GA, AL, TX, OH, WV, ME, FL, AZ, WA, SC, NY, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1418736
NMLS#: 1418736
About Tony Prudhomme
Tony has been with Morgan Stanley and its predecessor firms for over 35 years. He originally started his career in the securities business with J.C. Bradford & Co. back in 1986.
Tony graduated from the University of North Carolina Charlotte with a BS in Business with a concentration in Finance as well as a MBA. He is accredited by the firm as a Portfolio Management Director and focuses on retirement planning, bespoke investment strategies, as well as Co-Portfolio manager for Harbor Oak’s tailored equity and fixed income strategies.
Tony is involved with his church, The Central Church of God, Charlotte, NC. He also serves at the Union County Community Shelter in Monroe, NC. He is a lifetime member of the National Rifle Association and the NC Custom Knife Makers Guild.
Tony lives in Unionville, with his wife Johnna. They have four grown children and three grandchildren, Melody, Benson, and Emmanuel.
Tony graduated from the University of North Carolina Charlotte with a BS in Business with a concentration in Finance as well as a MBA. He is accredited by the firm as a Portfolio Management Director and focuses on retirement planning, bespoke investment strategies, as well as Co-Portfolio manager for Harbor Oak’s tailored equity and fixed income strategies.
Tony is involved with his church, The Central Church of God, Charlotte, NC. He also serves at the Union County Community Shelter in Monroe, NC. He is a lifetime member of the National Rifle Association and the NC Custom Knife Makers Guild.
Tony lives in Unionville, with his wife Johnna. They have four grown children and three grandchildren, Melody, Benson, and Emmanuel.
Securities Agent: MN, KY, NJ, NH, CT, WI, VA, IL, TN, ME, MD, GA, WA, TX, IN, DE, MO, MA, KS, CA, NY, NC, AZ, SD, SC, PA, MI, HI, CO, AL, UT, LA, OH, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1623223
NMLS#: 1623223
About Jarrod Hileman
Jarrod has 15+ years of experience in the financial services industry and has owned and operated several small businesses. Prior to Morgan Stanley, Jarrod held positions at Wells Fargo Advisors and Edward Jones Investments. He also owned and operated a real estate investment firm. He focuses on corporate retirement services and small business transactions.
Jarrod graduated from the Darla Moore School of Business at the University of South Carolina in Columbia with a BS in Economics. He is passionate about local and foreign missions and utilizing his talents in the local community as a volunteer.
Jarrod is a current Board Member for the Lancaster County FCA and resides in Lancaster, SC with his wife, Mary Beth and their four children, Blythe, Gaige, Rylan, and Kase.
Jarrod graduated from the Darla Moore School of Business at the University of South Carolina in Columbia with a BS in Economics. He is passionate about local and foreign missions and utilizing his talents in the local community as a volunteer.
Jarrod is a current Board Member for the Lancaster County FCA and resides in Lancaster, SC with his wife, Mary Beth and their four children, Blythe, Gaige, Rylan, and Kase.
Securities Agent: ND, LA, CO, AL, IN, AZ, NJ, MI, SC, FL, MD, IA, CA, WI, MO, PA, OH, VA, NC, MA, IL, GA, TX, NY, MN, ME, KY, KS, WA, UT, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 358612
NMLS#: 358612
About Marsha Thorne
Marsha rejoined Morgan Stanley in 2018 and currently holds her Series 7, 63 and 66 licenses as well as NC Department of Insurance AH & L, VA , Notary Public and a Senior Registered Associate with our team.
Marsha supports our clients and Financial Advisors in all facets of the operational and administrative aspects of our business. She focuses on and enjoys providing outstanding service to our wealth management clients.
Marsha was born and raised in Cleveland Ohio. She attended The Defiance College where she majored in Computer Science and Mathematics. She relocated to Charlotte in 2014 and enjoys volunteering, crocheting and sports. She is also a Math Tutor.
Marsha supports our clients and Financial Advisors in all facets of the operational and administrative aspects of our business. She focuses on and enjoys providing outstanding service to our wealth management clients.
Marsha was born and raised in Cleveland Ohio. She attended The Defiance College where she majored in Computer Science and Mathematics. She relocated to Charlotte in 2014 and enjoys volunteering, crocheting and sports. She is also a Math Tutor.
Securities Agent: IN, SC, MA, WY, WV, VA, UT, RI, KS, ID, DC, AZ, VI, OR, IL, IA, HI, DE, CT, AR, TX, KY, FL, NM, NH, NE, NC, MT, MS, MI, GA, AL, NY, ND, WI, VT, MO, LA, CA, AK, PR, OK, OH, MD, CO, WA, TN, SD, PA, NV, ME, NJ, MN; BM/Supervisor; General Securities Representative; Investment Advisor Representative
About Lisa Mirabella
Lisa has more than 25 years experience in the investment advisory business and has been with Morgan Stanley since 2012.
Lisa relocated from West Palm Beach, FL in 2019 where she served as a Registered Associate and previously as a Financial Advisor.
She provides operational and administrative support to our Financial Advisors, and facilitates exceptional service to our private wealth clients.
Lisa is a native of New York but has lived in Florida for most of her life. She now lives in the Ballantyne area of Charlotte with her three children.
Lisa relocated from West Palm Beach, FL in 2019 where she served as a Registered Associate and previously as a Financial Advisor.
She provides operational and administrative support to our Financial Advisors, and facilitates exceptional service to our private wealth clients.
Lisa is a native of New York but has lived in Florida for most of her life. She now lives in the Ballantyne area of Charlotte with her three children.
About Johnna Prudhomme
Johnna joined Morgan Stanley in 2014 but she has been around the business supporting her husband, Tony for the last 30 years.
Johnna provides operational and administrative support for our clients focusing on computer operations and communications.
She has a Bachelor of Fine Arts from Ringling School of Art and Design. She is a native of Charlotte, North Carolina and currently lives in Unionville with her husband. Johnna is very actively involved with her church and she enjoys cooking and serving at the Union County Community Shelter. For the past 20 years she has volunteered and supported the HELP Crisis Pregnancy Center in Monroe.
Johnna provides operational and administrative support for our clients focusing on computer operations and communications.
She has a Bachelor of Fine Arts from Ringling School of Art and Design. She is a native of Charlotte, North Carolina and currently lives in Unionville with her husband. Johnna is very actively involved with her church and she enjoys cooking and serving at the Union County Community Shelter. For the past 20 years she has volunteered and supported the HELP Crisis Pregnancy Center in Monroe.
Contact Michael B Anderson
Contact Tony Prudhomme
Contact Jarrod Hileman
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
Jared M. Bush
Private Banker
Bruce Spencer, CFP®
Financial Planning Director, Vice President
Jamal Cox
Planning Associate
About Jared M. Bush
Jared Bush is a Private Banker serving Morgan Stanley Wealth Management offices in the Carolinas.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
NMLS#: 619654
About Bruce Spencer
Bruce Spencer is a vice president and financial planning director, serving Morgan Stanley’s Wealth Management offices in North & South Carolina’s market. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Bruce began his career in financial services in 1998 and joined Morgan Stanley in 2024. Prior to his joining Morgan Stanley, Bruce worked at Truist Bank as a wealth planning strategist for ten years. He has also worked at TIAA and Vanguard in various financial planning roles.
Bruce graduated from the University of North Carolina Charlotte and holds his CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional designations along with his Series 7 license. Bruce lives in Concord, NC with his wife of 25-years and their daughter. Outside of work, Bruce likes to travel, work on home improvement projects, and participate in sports.
Bruce began his career in financial services in 1998 and joined Morgan Stanley in 2024. Prior to his joining Morgan Stanley, Bruce worked at Truist Bank as a wealth planning strategist for ten years. He has also worked at TIAA and Vanguard in various financial planning roles.
Bruce graduated from the University of North Carolina Charlotte and holds his CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional designations along with his Series 7 license. Bruce lives in Concord, NC with his wife of 25-years and their daughter. Outside of work, Bruce likes to travel, work on home improvement projects, and participate in sports.
About Jamal Cox
Jamal Cox is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Jamal provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Queens College and received the Financial Planning Specialist® designation from the College for Financial Planning. Jamal is originally from Queens, NY and currently resides in Queens, NY.
He earned his undergraduate degree from Queens College and received the Financial Planning Specialist® designation from the College for Financial Planning. Jamal is originally from Queens, NY and currently resides in Queens, NY.
Wealth Management
From Our Team
Asset Allocation - Pie in the Sky
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
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Harbor Oak 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan 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
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.
7Morgan 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.
8Insurance 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 DisclosuresLink Opens in New Tab
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan 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
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.
7Morgan 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.
8Insurance 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 DisclosuresLink Opens in New Tab
CRC 6491812 (04/2024)
