Mark Genovese
Senior Vice President, Senior Portfolio Manager
Phone:
(248) 723-1892(248) 723-1892
The Harbor Shores Group at Morgan Stanley
(248) 723-1892(248) 723-1892
Toll-Free:
(800) 334-8866(800) 334-8866
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
Welcome
At the Harbor Shores Group, helping empower our clients to achieve their financial goals is the founding principle that drives our practice. From financing a first home to developing a comprehensive investment plan designed to grow and preserve capital to advising on how to protect wealth during retirement, we are dedicated to helping our clients manage their assets more effectively, so they may pursue their passions and enjoy the wealth they have created. The following attributes demonstrate the nature of our practice and who we are:
1. Financial Strategies Built Just for You
Our wealth management approach can help guide you towards achieving your personal financial goals. We do this by helping you articulate your needs and aspirations, while reviewing all aspects of your financial life. We then build a custom-tailored road map that is carefully structured in an effort to navigate today’s sophisticated markets and tomorrow’s uncertainties. Finally, we'll determine how we can adjust your strategy over time to accommodate any changing conditions, or help meet any unforeseen income demands that may evolve.
2. World-Class Solutions in a Boutique Setting
We combine the vast resources of a major global firm with the personalized service you’d expect from a small investment boutique. You’ll benefit from our access to specialized research, institutional investment managers and sophisticated lending and cash management capabilities. Yet we'll aim to ensure you never feel overwhelmed by technical jargon or complicated processes. As your financial advisors, we make it easy for you to ask questions so you may fully understand the
3. A Team Approach
We believe you are entitled to the best advice possible. As a result, we have assembled a team of highly skilled professionals at The Harbor Shores Group whose number one priority is you and your family. To gain the precise knowledge needed to effectively manage all aspects of your wealth, we work in tandem with your accountant and estate planning attorney. As your wealth manager “quarterback,” we review your complete financial picture and help identify any gaps. Where appropriate, we will then consult with key specialists to evaluate your unique challenges and devise specific recommendations.
4. High Touch, High Service
Our clients believe, as we do, in the importance of building a longstanding relationship with their financial advisors. They have grown to depend on our “high touch, high service” approach that has become the trademark of our practice. And above all, they have come to appreciate our true passion for wanting to help them solve their financial challenges.
1. Financial Strategies Built Just for You
Our wealth management approach can help guide you towards achieving your personal financial goals. We do this by helping you articulate your needs and aspirations, while reviewing all aspects of your financial life. We then build a custom-tailored road map that is carefully structured in an effort to navigate today’s sophisticated markets and tomorrow’s uncertainties. Finally, we'll determine how we can adjust your strategy over time to accommodate any changing conditions, or help meet any unforeseen income demands that may evolve.
2. World-Class Solutions in a Boutique Setting
We combine the vast resources of a major global firm with the personalized service you’d expect from a small investment boutique. You’ll benefit from our access to specialized research, institutional investment managers and sophisticated lending and cash management capabilities. Yet we'll aim to ensure you never feel overwhelmed by technical jargon or complicated processes. As your financial advisors, we make it easy for you to ask questions so you may fully understand the
3. A Team Approach
We believe you are entitled to the best advice possible. As a result, we have assembled a team of highly skilled professionals at The Harbor Shores Group whose number one priority is you and your family. To gain the precise knowledge needed to effectively manage all aspects of your wealth, we work in tandem with your accountant and estate planning attorney. As your wealth manager “quarterback,” we review your complete financial picture and help identify any gaps. Where appropriate, we will then consult with key specialists to evaluate your unique challenges and devise specific recommendations.
4. High Touch, High Service
Our clients believe, as we do, in the importance of building a longstanding relationship with their financial advisors. They have grown to depend on our “high touch, high service” approach that has become the trademark of our practice. And above all, they have come to appreciate our true passion for wanting to help them solve their financial challenges.
Services Include
- Life InsuranceFootnote1
- Planning for Education FundingFootnote2
- Professional Portfolio ManagementFootnote3
- 401(k) Rollovers
- 529 PlansFootnote4
- Alternative InvestmentsFootnote5
- AnnuitiesFootnote6
- Asset Management
- Cash ManagementFootnote7
- Retirement PlanningFootnote8
- Trust AccountsFootnote9
- Wealth Consulting
- Wealth ManagementFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Wealth Planning Process
Our process starts with listening. We’ll ask questions regarding your goals and wishes, your tolerance for risk and your time horizon . . . and then we’ll listen. It’s an ongoing process through which we strive to understand all we can about you, your family, your business and your goals. This process helps us make informed recommendations and design a flexible wealth management plan that is uniquely yours.
Step 1: Identify Your Goals
We begin with a detailed conversation, where we’ll ask a series of in-depth questions. This discovery process provides us with a deeper understanding of your personal, professional and financial situation, and educates us about your history, your family, your interests and your aspirations.
• Discuss personal and family circumstances
• Clarify retirement goals and needs
• Understand tax concerns
• Determine estate and wealth transfer goals
• Discuss personal and family circumstances
• Clarify retirement goals and needs
• Understand tax concerns
• Determine estate and wealth transfer goals
Step 2: Develop Your Wealth Management Plan
From this ongoing dialogue, we’ll develop a detailed action plan with recommendations to help you effectively build, preserve and transfer your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
• Establish investment philosophy, risk tolerance, and time horizon
• Meet with your other trusted advisors, such as your CPA or estate attorney
• Perform an estate and wealth planning analysis
• Establish investment philosophy, risk tolerance, and time horizon
• Meet with your other trusted advisors, such as your CPA or estate attorney
• Perform an estate and wealth planning analysis
Step 3: Present Your Custom Plan
In this step, we’ll present appropriate investment options that, once executed, are designed to work together to help grow your portfolio and achieve your financial goals. We may also offer several wealth management recommendations to help preserve your assets and enable them to pass to loved ones and charitable interests with limited taxation.
• Present comprehensive investment plan, including appropriate asset classes and investment vehicles
• Explain how investment performance is monitored
• Provide details and illustrations for each wealth management recommendation being considered
• Present comprehensive investment plan, including appropriate asset classes and investment vehicles
• Explain how investment performance is monitored
• Provide details and illustrations for each wealth management recommendation being considered
Step 4: Activate Your Plan
Once you approve your plan, we’ll work with you to execute the investment changes you have approved, and provide access to any additional services you require.
• Complete paperwork to execute investment strategy
• Prioritize activities and establish appropriate timelines
• Initiate wealth management solutions
• Complete paperwork to execute investment strategy
• Prioritize activities and establish appropriate timelines
• Initiate wealth management solutions
Step 5: Monitor and Review
Transparency is key to a successful long-term relationship. As we put your plan into action, we’ll set up a variety of tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we’ll set up regular, ongoing meetings to ensure your plan remains on schedule to helping achieve your goals.
• Review your first client statement in detail to ensure clear understanding
• Schedule regular discussions to track progress towards your goals
• Make adjustments to your investment strategy based on changing goals, circumstances and market conditions
• Review your first client statement in detail to ensure clear understanding
• Schedule regular discussions to track progress towards your goals
• Make adjustments to your investment strategy based on changing goals, circumstances and market conditions
Our services are broad in scope, yet our approach is individualized so we can provide you with the personal attention required to keep your financial plan organized and moving forward. Here is a brief overview of the strategies and solutions we can provide you and your family:
Financial Planning
Thorough, thoughtful financial planning – planning that analyzes where you are as well as where you want to go – is the most important step in establishing a path to your goals. We will work with you to explore and help define your objectives and needs, and then structure a financial plan that is uniquely your own.
• Goal analysis
• Budgeting
• Cash flow management
• Goal analysis
• Budgeting
• Cash flow management
Investment Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together.
• Asset allocation
• Investment selection
• Tax-efficient investing
• Asset allocation
• Investment selection
• Tax-efficient investing
Access to Cash Management and Lending Services
We offer access to strategic lending opportunities that can help you create and implement effective financing strategies.
Services for Business Owners
The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership through the next generation, we will examine your alternatives and develop the best strategy to implement.
• Cash management services
• Retirement and Benefit assessment
• Risk management
• Succession planning
• Cash management services
• Retirement and Benefit assessment
• Risk management
• Succession planning
Retirement Planning
Whether you are building retirement wealth or making the transition to generating income from your assets, we will help you develop and implement a strategy based on your vision for retirement.
• Lifestyle review
• Income strategies
• Social Security and pension analysis
• Long-term care
• Lifestyle review
• Income strategies
• Social Security and pension analysis
• Long-term care
Philanthropy
Many successful individuals seek opportunities to support cultural and educational institutions, as well as nonprofit organizations. We can help you analyze and implement a strategy that benefits the causes you care most about, while safeguarding your overall portfolio from the realities of taxation.
• Wealth transfer and trust strategies
• Charitable giving strategies
• Stock option analysis
• Coordination with outside legal and tax advisors
• Wealth transfer and trust strategies
• Charitable giving strategies
• Stock option analysis
• Coordination with outside legal and tax advisors
Modern Wealth Management Tools
We at the Harbor Shores Group at Morgan Stanley take pride in providing our clients with the highest level of service and resources. Morgan Stanley stands at the forefront of its industry providing clients with state of the art tools, resources and technology to help them navigate through the complexities of todays everchanging financial markets.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Learn More- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Learn MoreThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
Learn More
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform, powered by Blackrock's Aladdin, analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market stocks.
Learn More
Spending & Budgeting Tool
Keep track of all your financial accounts with the spending and budgeting tool. Using this tool is a great way to monitor your finances all in one convenient and easy to use location.
Learn MoreGoals Planning System
Our Goals Planning System (GPS) is an innovative platform built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Learn MoreTax-Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Explore the Questions HereTax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Read the Strategies Here
Tax-Efficient Portfolios
Morgan Stanley Portfolio Solutions/Parametric Tax Efficient Portfolios are designated for high-net-worth investors seeking a tax-managed, diversified portfolio. Portfolios are monitored, evaluated, and rebalanced to maintain diversification and react to changing market conditions. Some key benefits include tax efficiencies, clarity by combining multiple asset classes in one account, and confidence with asset allocation advice deriving from the Global Investment Committee, so your portfolio is aligned with the firm's best thinking.
Learn More About the Portfolios Here
2022 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2022, see all additional information here.
View the 2022 Tax Tables HereLocation
40701 Woodward Ave.
Ste 200
Bloomfield Hills, MI 48304
US
Direct:
(248) 723-1892(248) 723-1892
Toll-Free:
(800) 334-8866(800) 334-8866
Fax:
(248) 723-1850(248) 723-1850
Meet The Harbor Shores Group
Andrew Meyer
First Vice President, Wealth Management, Financial Advisor
Phone:
(248) 723-1834(248) 723-1834
Phone:
(248) 723-1896(248) 723-1896
Christina DiCicco
Senior Registered Client Service Associate
Phone:
(248) 723-1859(248) 723-1859
Sarah Genovese
Team Administrator
Phone:
(248) 723-1867(248) 723-1867
About Mark Genovese
Mark Genovese is a Senior Vice President, Portfolio Management Director and founding partner of The Harbor Shores Group at Morgan Stanley. A seasoned professional with more than 15 years of industry experience, Mark has dedicated his entire career to providing customized advice and investment solutions to financially successful individuals, multi-generational families and small business owners. Focusing on wealth management for attorneys, corporate executives and professionals in the medical industry, Mark’s approach includes a thorough planning process, personalized financial strategies and a commitment to providing outstanding service. He is a strong advocate for his clients, working directly with their accountant and estate planning attorney to help ensure each resource is being fully leveraged in an effort to optimize a comprehensive strategy.
After receiving his B.A. degree in Finance and Economics from Michigan State University in 2002, Mark continued his studies at the Michigan State College of Law. Three years later, he graduated Magna Cum Laude, earning his Juris Doctor degree with a concentration in tax and estate planning. Upon graduation, Mark worked at Goldman Sachs and J.P. Morgan Chase, where he assisted high net worth individuals in effectively managing their assets, providing comprehensive financial planning and implementing tax-saving strategies. These experiences provided Mark with a diverse set of skills. He joined Morgan Stanley in 2013 for the opportunity to share his institutional knowledge with individuals and families, and build more personal relationships with his clients.
Since joining the Morgan Stanley family, Mark has continued to focus on developing financial solutions for his clients that are well suited to helping meet their specific wealth management needs. His clients appreciate his approachable style for helping them make well-informed decisions and maintaining the discipline necessary to navigate the most challenging of markets. His experiences include constructing and presenting detailed wealth analysis plans, as well as the implementation, monitoring and rebalancing of custom tailored investment models.
Mark’s passion for working with his clients is equaled only by his dedication to his family and his community. He and his wife, Sarah, are active supporters of the Graham’s Foundation, a local non-profit organization created to assist families of premature babies. As the parents of premature twins themselves, they know first-hand the emotional and financial impact of raising preemies and believe in giving back to an organization that has given them and other families so much. Mark and Sarah are also proud participants in the annual March of Dimes walk, where they sponsor a team and raise funds.
Mark and Sarah currently reside in Beverly Hills, Michigan with their twins, Dominic and Charlotte, and their youngest son, Rocco. He is an active member of the Michigan State Alumni Association and an annual sponsor of the MSU College of Law Annual Golf Outing. Mark also volunteers with the Motor City Blight Busters, whose mission is to revitalize the city of Detroit by cleaning up dump sites, tearing down blighted houses, painting existing homes and many beautification projects. When he’s not working directly with his clients or actively volunteering, you can find Mark spending quality time with family and friends. In his leisure time, he enjoys golfing, skiing and boating on Cass Lake.
After receiving his B.A. degree in Finance and Economics from Michigan State University in 2002, Mark continued his studies at the Michigan State College of Law. Three years later, he graduated Magna Cum Laude, earning his Juris Doctor degree with a concentration in tax and estate planning. Upon graduation, Mark worked at Goldman Sachs and J.P. Morgan Chase, where he assisted high net worth individuals in effectively managing their assets, providing comprehensive financial planning and implementing tax-saving strategies. These experiences provided Mark with a diverse set of skills. He joined Morgan Stanley in 2013 for the opportunity to share his institutional knowledge with individuals and families, and build more personal relationships with his clients.
Since joining the Morgan Stanley family, Mark has continued to focus on developing financial solutions for his clients that are well suited to helping meet their specific wealth management needs. His clients appreciate his approachable style for helping them make well-informed decisions and maintaining the discipline necessary to navigate the most challenging of markets. His experiences include constructing and presenting detailed wealth analysis plans, as well as the implementation, monitoring and rebalancing of custom tailored investment models.
Mark’s passion for working with his clients is equaled only by his dedication to his family and his community. He and his wife, Sarah, are active supporters of the Graham’s Foundation, a local non-profit organization created to assist families of premature babies. As the parents of premature twins themselves, they know first-hand the emotional and financial impact of raising preemies and believe in giving back to an organization that has given them and other families so much. Mark and Sarah are also proud participants in the annual March of Dimes walk, where they sponsor a team and raise funds.
Mark and Sarah currently reside in Beverly Hills, Michigan with their twins, Dominic and Charlotte, and their youngest son, Rocco. He is an active member of the Michigan State Alumni Association and an annual sponsor of the MSU College of Law Annual Golf Outing. Mark also volunteers with the Motor City Blight Busters, whose mission is to revitalize the city of Detroit by cleaning up dump sites, tearing down blighted houses, painting existing homes and many beautification projects. When he’s not working directly with his clients or actively volunteering, you can find Mark spending quality time with family and friends. In his leisure time, he enjoys golfing, skiing and boating on Cass Lake.
Securities Agent: MN, SC, NJ, NH, NY, NC, IN, GA, TX, NV, CA, VA, IL, DE, CT, CO, FL, AZ, PA, MA, WI, LA, ID, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1262229
NMLS#: 1262229
About Andrew Meyer
Andrew Meyer is a First Vice President and founding partner of The Harbor Shores Group at Morgan Stanley. For more than 15 years, he has been providing customized advice, investment solutions and wealth management services to financially successful individuals, multi-generational families and small business owners in Bloomfield Hills and the surrounding areas. With a passion for comprehensive wealth planning, Andrew has dedicated his career to delivering objective advice through exceptional “high touch” client service to the individuals and families he proudly serves.
Andrew learned first-hand the power of investing from his father, a third-generational hardware store owner who had a passion for understanding the investment markets. At age 15, Andrew opened a small brokerage account and began investing with his father’s guidance. As he watched the stock value rise and fall, he became more and more focused on how changes in the economic environment made an impact on his investment. This experience inspired him to follow a profession that would help individuals gain the confidence and fortitude needed to make sound financial decisions in today’s complex economic markets. He set out to become a financial advisor where he could educate his clients about important financial concepts and techniques, helping them navigate the complex financial markets, while striving to make a significant and profound impact on the quality of their lives.
Andrew attended Michigan State University, where he was an active member of the Finance and Economic clubs. After earning his B.A. degree in Finance in 2003, he became a Financial Advisor at Hantz Financial Group, a regional financial firm, where he concentrated on helping clients build and activate their retirement plans. Two years later, he joined J.P. Morgan Chase, where he met Mark Genovese, one of his current business partners. It was here where he expanded his experience and knowledge in private banking and lending services. In 2013, the group moved to Morgan Stanley, where they could leverage the firm’s global resources, technology and “open architecture” platform.
Andrew’s disciplined process starts with asking the right questions to help his clients prioritize their goals for themselves and their families. This information then serves as the foundation for the development and implementation of a custom wealth management plan that reflects their lifestyle needs, while helping ensure their future or legacy.
A native of Petoskey, Andrew moved to southern Michigan in 2003. He and his wife, Allison, now call Lake Orion their home, where they live with their three children, Evan and Alexander and Lucas, their identical twin boys. An avid Tigers fan, Andrew enjoys watching the games with family and friends. In his free time, he likes to participate in all things outdoors, including fishing, skiing, basketball and golf. Every year for the past 10 years, he looks forward to sponsoring the MSU College of Law Annual Golf Outing with his partners.
Andrew learned first-hand the power of investing from his father, a third-generational hardware store owner who had a passion for understanding the investment markets. At age 15, Andrew opened a small brokerage account and began investing with his father’s guidance. As he watched the stock value rise and fall, he became more and more focused on how changes in the economic environment made an impact on his investment. This experience inspired him to follow a profession that would help individuals gain the confidence and fortitude needed to make sound financial decisions in today’s complex economic markets. He set out to become a financial advisor where he could educate his clients about important financial concepts and techniques, helping them navigate the complex financial markets, while striving to make a significant and profound impact on the quality of their lives.
Andrew attended Michigan State University, where he was an active member of the Finance and Economic clubs. After earning his B.A. degree in Finance in 2003, he became a Financial Advisor at Hantz Financial Group, a regional financial firm, where he concentrated on helping clients build and activate their retirement plans. Two years later, he joined J.P. Morgan Chase, where he met Mark Genovese, one of his current business partners. It was here where he expanded his experience and knowledge in private banking and lending services. In 2013, the group moved to Morgan Stanley, where they could leverage the firm’s global resources, technology and “open architecture” platform.
Andrew’s disciplined process starts with asking the right questions to help his clients prioritize their goals for themselves and their families. This information then serves as the foundation for the development and implementation of a custom wealth management plan that reflects their lifestyle needs, while helping ensure their future or legacy.
A native of Petoskey, Andrew moved to southern Michigan in 2003. He and his wife, Allison, now call Lake Orion their home, where they live with their three children, Evan and Alexander and Lucas, their identical twin boys. An avid Tigers fan, Andrew enjoys watching the games with family and friends. In his free time, he likes to participate in all things outdoors, including fishing, skiing, basketball and golf. Every year for the past 10 years, he looks forward to sponsoring the MSU College of Law Annual Golf Outing with his partners.
Securities Agent: ID, GA, FL, SC, NH, NV, NJ, MI, WI, TN, CA, OH, NY, LA, IL, CO, AZ, PA, NC, MN, MA, DE, CT, TX, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 406797
NMLS#: 406797
About Michael Muldoon D'Agostino
Securities Agent: WI, NC, IL, MI, SC, ID, PA, FL, IN, NH, TX; General Securities Representative; Investment Advisor Representative
About Christina DiCicco
Christina was born in Warren MI and now resides in Sterling Heights, MI. Christina started her career as a Client Service Associate at Smith Barney and has obtained her series 7, 66 & MI Life, Health and Annuity Insurance. Christina earned her degree in Business Management at Baker College. In her spare time Christina enjoys golfing, boating and spending time with her family and friends.
About Sarah Genovese
Sarah was born in Lansing, MI and now resides in Beverly Hills, MI. Sarah earned her degree from Michigan State University and has recently come back to the work force after being a stay-at-home mom to her 3 children. In her spare time, Sarah enjoys golfing, crafting and spending time with her family and friends.
Contact Mark Genovese
Contact Andrew Meyer
Contact Michael Muldoon D'Agostino
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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 Harbor Shores Group today.
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Morgan 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.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Alternative 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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8When 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Morgan 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.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Alternative 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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8When 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
