Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Lending Specialist
Phone:
(212) 603-6120(212) 603-6120
The Harmony Group at Morgan Stanley
Direct:
(212) 603-6120(212) 603-6120
Our Mission Statement
We are passionate about helping clients organize their finances and build a financial plan to guide them towards success in achieving their goals.
Our Story and Services
Managing significant wealth is a considerable responsibility— especially because the stakes are high for your family and your future. Sometimes the demands of this task can make it difficult to concentrate on what matters most to you: pursuing personal and family aspirations, exploring new opportunities, and living the life you have always envisioned. And when you reach a certain level of wealth and complexity, traditional advisory services may no longer be sufficient.
The Harmony Group focuses on helping highly successful families manage the full spectrum of their financial affairs through comprehensive multi-generational solutions and industry-leading resources from Morgan Stanley. Money management, retirement planning, estate planning strategies, insurance, taxes, business planning succession—our team will bring together all of these elements into a cohesive and integrated financial plan that will help you enhance and preserve your wealth, while enjoying the lifestyle it affords.
The Harmony Group runs a relationship-based financial planning practice recognized by our clients for quality advice, effective implementation and superior service. They have a focus on building long- term relationships founded on mutual trust and respect. As wealth advisors to many families, they have experience with the unique challenges, styles and strategies that distinguish one client from another. We work with clients to help you preserve and grow your wealth, relying on the insights of seasoned investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
The Harmony Group focuses on helping highly successful families manage the full spectrum of their financial affairs through comprehensive multi-generational solutions and industry-leading resources from Morgan Stanley. Money management, retirement planning, estate planning strategies, insurance, taxes, business planning succession—our team will bring together all of these elements into a cohesive and integrated financial plan that will help you enhance and preserve your wealth, while enjoying the lifestyle it affords.
The Harmony Group runs a relationship-based financial planning practice recognized by our clients for quality advice, effective implementation and superior service. They have a focus on building long- term relationships founded on mutual trust and respect. As wealth advisors to many families, they have experience with the unique challenges, styles and strategies that distinguish one client from another. We work with clients to help you preserve and grow your wealth, relying on the insights of seasoned investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Services Include
- Financial PlanningFootnote1
- Asset Management
- Cash Management and Lending ProductsFootnote2
- Life InsuranceFootnote3
- Estate Planning StrategiesFootnote4
- Retirement PlanningFootnote5
- Planning for Education FundingFootnote6
- Sustainable InvestingFootnote7
- Alternative InvestmentsFootnote8
- 401(k) Rollovers
- Trust ServicesFootnote9
- Planning for Individuals with Special Needs
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You:
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Step 1: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 2: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 3: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 4: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/ benefit modifications.
Step 5: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
HER WAY PROGRAM HISTORY
In November 2017, Christina Paul, along with 13 other female financial advisors at Morgan Stanley’s 522 5th Avenue office, created and hosted Morgan Stanley’s first-ever HER Day. The goal of the event was to create an immersive experience to explore themes of health and wellness, personal and professional development, wealth, and philanthropy in a storytelling format, in sessions coined HER Talks. Featured speakers for the event included Gloria Steinem, a founder of Ms Magazine and the modern women’s movement, Bobbi Brown, lifestyle and beauty entrepreneur, and Shelley O'Connor, Co-Head of Morgan Stanley Wealth Management.
The event reached over 1,000 women – 100 invitees in the room and others through a nationwide webcast. To build on the momentum of HER Day, in 2018 HER Way was launched.
HER Way’s mission is simple: ENGAGE, EMBRACE and EMPOWER women to live their best financial and personal lives. We do this by curating content and hosting regular events featuring dynamic speakers taking about the financial and personal issues that are important to women.
Want to learn more? E-mail minerva.flores@morganstanley.com to be added to our HER Way invite list for upcoming events.
In November 2017, Christina Paul, along with 13 other female financial advisors at Morgan Stanley’s 522 5th Avenue office, created and hosted Morgan Stanley’s first-ever HER Day. The goal of the event was to create an immersive experience to explore themes of health and wellness, personal and professional development, wealth, and philanthropy in a storytelling format, in sessions coined HER Talks. Featured speakers for the event included Gloria Steinem, a founder of Ms Magazine and the modern women’s movement, Bobbi Brown, lifestyle and beauty entrepreneur, and Shelley O'Connor, Co-Head of Morgan Stanley Wealth Management.
The event reached over 1,000 women – 100 invitees in the room and others through a nationwide webcast. To build on the momentum of HER Day, in 2018 HER Way was launched.
HER Way’s mission is simple: ENGAGE, EMBRACE and EMPOWER women to live their best financial and personal lives. We do this by curating content and hosting regular events featuring dynamic speakers taking about the financial and personal issues that are important to women.
Want to learn more? E-mail minerva.flores@morganstanley.com to be added to our HER Way invite list for upcoming events.
PREVIOUS HER WAY EVENTS
Check out our Previous HER Way EventsDESIGNATIONS AND AWARDS
CFP® - Certified Financial Planner™ (Christina Paul, Christina Hein, Nicholas Wennes)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
CIMA® - Certified Investment Management Analyst® (Christina Paul)
Certified Investment Management Analyst® professionals are dedicated to elevating their practice through education, experience, examination and the highest standards of ethics. CIMA® professionals have the advanced investment management knowledge necessary to fully serve affluent clients, and they use that in-depth knowledge to analyze and select the investments that make the most sense for your circumstances.
Forbes Best-In-State Wealth Advisors - Christina Paul (2020-2024)
2020 - 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes List of Top Women Wealth Advisors - Christina Paul (2020-2023)
2020 - 2023 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2020 - 2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Source: Forbes.com (Awarded 2020 - 2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Working Mother Magazine's Top List of Wealth Advisor Moms - Christina Paul (2019-2021)
2019 - 2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019 - 2021 ). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Source: Workingmother.com (Awarded October 2019 - 2021 ). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Morgan Stanley Master's Club - Christina Paul (2014, 2015, 2017, 2018, 2019, 2020, 2021, 2022, 2023)
Morgan Stanley President's Club - Christina Paul (2016)
Resources & Insights:
Preferred Savings Program
Morgan Stanley clients with eligible brokerage accounts can earn 5.00% APY through deposits into our Preferred Savings Program for qualifying cash. Learn more and get in touch to take advantage of this great rate
Learn More
Morgan Stanley's Reserved Living & Giving
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program. As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Enroll Today
LifeView - Intelligent Planning
LifeView offers a suite of planning tools that includes goal-specific analysis that we use with our clients to create a realistic, holistic strategy that integrates the various aspects of their financial life.
Fill out the questionnaire below and contact us to begin the process of developing a personalized strategy for your long-term goals.
Complete Our QuestionnaireFill out the questionnaire below and contact us to begin the process of developing a personalized strategy for your long-term goals.
GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On the Markets
Donor Advised Fund: A Tax-Efficient Way to Manage Your Giving
There’s more to charitable giving than you may realize. Here’s one method that provides flexibility and can help maximize your impact.
Learn How to Give Back with a Donor Advised Fund
ESG Investing
With the rise of sustainable investing, it is important to learn how your investments can make an impact and how it is impacting the market long-term.
Learn More About Sustainable InvestingLocation
55 East 52nd Street,
7th Floor
New York, NY 10055
US
Direct:
(212) 603-6120(212) 603-6120
Meet The Harmony Group
Christina Hein, CFP®
Financial Advisor
Phone:
(212) 603-6162(212) 603-6162
Nicholas Wennes, CFP®*
Registered Associate
Phone:
(212) 603-6240(212) 603-6240
About Christina Paul
After graduating from the University of Albany with a double-major in Mathematics and Economics as well as receiving her Masters in Economics from Fordham University, Christina Paul began her career in the financial services industry in 1993. She started her career at Paine Webber, which was later acquired by UBS, moved to Morgan Stanley in 2009 where she continues her career as an Executive Director Financial Advisor. In addition to her 25 years of industry experience, Christina Paul holds both her Certified Financial Planner (CFP ®) and Certified Investment Management Analyst (CIMA ®) designations. As a Financial Advisor, Christina Paul assists high net worth clients with wide array of services. With a financial planning as the foundation, Christina is able to provide her clients with the effective strategies seeking to accomplish their financial goals. She executes these strategies through an effective use of investment management, life and health insurance, tax planning, and estate planning strategies. Christina lives in Brooklyn, NY with her husband and two children. In her free time, she remains constantly active between networking events, physical activity, and travel. She is part of the Steering Committee for the HERWay group at Morgan Stanly where she hosts events focused on educating and empowering women in their financial lives. In addition, she has a passion for rock climbing and hiking, and is constantly exploring new places.
Securities Agent: UT, CO, OH, NY, NH, MN, VT, VA, MO, ME, LA, NM, OR, KS, HI, WY, WA, TX, SC, PA, MA, AZ, IL, DC, CA, AL, NC, MT, MI, DE, CT, VI, MD, KY, GA, NE, SD, RI, NJ, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1270237
CA Insurance License #: 0H53810
NMLS#: 1270237
CA Insurance License #: 0H53810
About Christina Hein
Christina Hein is passionate about educating individuals about their finances and building a financial plan to help guide them towards success in their goals. She is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and Financial Advisor with The Harmony Group at Morgan Stanley. The Harmony Group has over 30 years of industry experience, focusing on helping individuals and families manage the full spectrum of their financial affairs. Christina’s main services include investment management, retirement planning, estate planning strategies, insurance coverage, and tax-efficient investment planning; and ultimately bringing all these elements together into a cohesive and integrated financial plan that can help you grow and preserve your wealth.
Christina attended Loyola University Maryland where she graduated Summa Cum Laude, earning a Bachelor’s Degree in Business Administration with a major in Economics. She is fully registered, earning her Series 7 and Series 66 securities registrations, as well as her Life & Health Insurance license. Originally from New Jersey, Christina now lives in Manhattan and enjoys spending time with her friends and family, exercising, and trying new restaurants.
NMLS#2648666
Christina attended Loyola University Maryland where she graduated Summa Cum Laude, earning a Bachelor’s Degree in Business Administration with a major in Economics. She is fully registered, earning her Series 7 and Series 66 securities registrations, as well as her Life & Health Insurance license. Originally from New Jersey, Christina now lives in Manhattan and enjoys spending time with her friends and family, exercising, and trying new restaurants.
NMLS#2648666
Securities Agent: AL, TX, MO, MI, ME, CT, CA, AZ, UT, SD, NY, NM, MA, IL, WA, VI, NE, MD, FL, DE, RI, MT, CO, VA, NH, NC, KY, GA, OH, HI, WY, ND, LA, OR, KS, DC, VT, SC, PA, MN, NJ; General Securities Representative; Investment Advisor Representative
About Nicholas Wennes
As a Registered Associate with The Harmony Group, Nick focuses on delivering the attentive, personalized service our clients expect from us. Nick is first point of contact for clients, his responsibilities include helping clients open accounts, preparing documentation, reviewing account performance, transferring client assets, and responding to other client inquiries.
Originally from Los Angeles, Nick graduated from the University of Colorado Boulder in 2019 with a Bachelor of Science degree in Finance and Accounting. Prior to joining Morgan Stanley, he served as an Estate Specialist at UBS Financial Services where he obtained his Series 7 and 66 licenses. Nick currently resides in Manhattan and enjoys skiing, golfing, and experiencing New York’s music scene.
*This role cannot solicit or provide investment advice
Originally from Los Angeles, Nick graduated from the University of Colorado Boulder in 2019 with a Bachelor of Science degree in Finance and Accounting. Prior to joining Morgan Stanley, he served as an Estate Specialist at UBS Financial Services where he obtained his Series 7 and 66 licenses. Nick currently resides in Manhattan and enjoys skiing, golfing, and experiencing New York’s music scene.
*This role cannot solicit or provide investment advice
Contact Christina Paul
Wealth Management
From Our Team
Lisa Shallet GIC Weekly
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?
Article Image
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Harmony 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 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.
2Morgan 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
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7The 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.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 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.
2Morgan 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
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7The 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.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
