Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(847) 504-2941(847) 504-2941
The Hartman Curio Group at Morgan Stanley
Direct:
(847) 504-2941(847) 504-2941
Our Mission Statement
We’re a passionate, polished, and professional team with a long track record of helping successful people live more comfortably today and feel more confident about the future.
Our Story
The story of The Hartman Curio Group is anything but typical. About thirty years ago Scott Hartman and Jeff Curio met on the very first day of their very first jobs in the financial services industry. It's a testament to what can happen when two like-minded people come together with one common mission—to help clients build wealth, minimize risk and forge a clear path toward achieving their goals.
What sets us apart
When it comes to our clientele, we believe that less is more. We only serve a limited number of clients because it allows us to provide the attention you deserve. Our seasoned team is passionate about helping you and your family live more comfortably today and feel more confident about your future.
Professional. Passionate. Personal
We work with successful individuals, wealthy families, and small business owners, who are committed to following a strategic plan that was created exclusively for their needs. There's nothing cookie cutter about what we provide. When you entrust us to manage your wealth, you'll see how deeply we care about your success. Your milestones become our milestones.
If you're looking for a wealth management firm that delivers phenomenal service, simplifies the complex, and avoids "Wall Street jargon", we're the team for you. Reach out today to see what a difference we can make in your world.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
It starts with a financial plan. After that, anything is possible.
The Hartman Curio Group are true wealth planners. We believe that by investing the time it takes to understand your immediate needs and your long-term goals, we can customize a structured solution that provides the highest probability of success, while minimizing risk.
Our job is to allocate your assets properly, make sure your portfolio is efficient, mitigate your tax burden, and safeguard your wealth. Our team is highly experienced and passionate about your success. And that all starts by creating and cultivating a financial plan that's as unique to you as your fingerprint.
- Customized Investment Planning
- Risk Assessment
- Tax-Efficient Asset Allocation
- Tax-Mitigation Strategies
- Cash Management and Structured Lending
- Health and Life Insurance Solutions
- Income Planning and Distribution
- Social Security Analysis
- High-Touch Communication Process
- Clear Financial Guidance
- Industry-Leading Cybersecurity
- Risk Assesment Tools
Manage Your Wealth
Minimize Your Risk
Shape Your Retirement
Earn Your Trust
Protect Your Assets
Family wealth that's measured in more than dollars and cents.
What motivates many of our clients is to provide the best life possible for their families and to build a legacy that can span generations. We recognize that every family we work with has their own unique dynamic and set of goals, so we adapt to what’s important to you.
We provide services that go beyond the balance sheet. When you turn to us, we’re there to serve your entire family. We can help your children and grandchildren understand that significant wealth creates unique opportunities, but also can raise complex challenges. And The Hartman Curio Group is there for you and your loved ones throughout every step of your financial journey.
We provide services that go beyond the balance sheet. When you turn to us, we’re there to serve your entire family. We can help your children and grandchildren understand that significant wealth creates unique opportunities, but also can raise complex challenges. And The Hartman Curio Group is there for you and your loved ones throughout every step of your financial journey.
Trust & Estate Planning
We work collaboratively with your attorney to create the plan that fits your family. And for clients with highly complex estates, we can provide access to our Family Office Resources team.
Next Gen Education
We provide your adult children and grandchildren with valuable lessons about money management, investing, entrepreneurship, estate planning and what it means to be the beneficiary of a trust.
College Planning
We can create a tax-efficient strategy that enables you to proactively save for your children’s or grandchildren’s education.
Divorce Planning
One of life's biggest challenges is going through a divorce and coming out financially secure. We have the experience to help you get through this difficult time.
Charitable Giving
As part of your legacy, we know how to maximize the impact you’ll have on the causes and institutions you care about the most.
Lifestyle Advisory Group ($10M in AUM)
Planning for the future is important—and so is living for today. Select clients will get to experience an elite range of concierge services, including:
• Buying, leasing, or sharing a jet
• College and admissions counseling
• Eldercare services
• Experiences, Travel and Luxury Vacations
• Tickets to Theater, Concerts and Sporting Events
• Buying, leasing, or sharing a jet
• College and admissions counseling
• Eldercare services
• Experiences, Travel and Luxury Vacations
• Tickets to Theater, Concerts and Sporting Events
We're in the business of helping you grow and protect your business
Small business is the backbone of America. Our team is highly experienced in helping you throughout every stage—from infancy and expansion to monetization. We have solutions that address the types of challenges that slow down many businesses—from cash flow and tax mitigation to creating plans that attract the right talent.
Whether you own a small business or run a medical practice, we can connect you to a world of new opportunities through Morgan Stanley vast resources, including:
• Strategic Lending – In order to grow, it's important it is to invest in your business. We can create a sophisticated lending solution that can take you to the next level.
• Retirement Savings Plans – We know how important retirement plans and tax benefits are for you and your employees. We can help structure a plan that meets your goals and offers the types of benefits that attract recruits and keep your employees happy.
• Tax Mitigation– We offer strategies to minimize your tax burden and provide tax overlay tools that give you a clearer picture of your challenges—and opportunities.
• Buying or selling a business– We can help you avoid common pitfalls that often come with acquisition and expansion. And when the time comes for you to transition your business, our experience and network can be invaluable.
Tap into a global powerhouse.
When you partner with The Hartman Curio Group, you gain access to a wealth of resources that come with being part of the Morgan Stanley network. You’ll experience a vast array of solutions, services and thought leadership—from fixed income and structured products to a High Net Worth Planning Department.
Morgan Stanley are industry leaders in areas that are critical to your success, including alternative investment opportunities, cybersecurity, and a range of innovative AI platforms.
Morgan Stanley are industry leaders in areas that are critical to your success, including alternative investment opportunities, cybersecurity, and a range of innovative AI platforms.
Wealth Management
We help clients achieve their financial goals through tailored solutions and personalized advice. Clients can also gain access to E*TRADE’s comprehensive directed platform.
Global Research
Our globally integrated team of market analysts, strategists and economists strive to help generate consistent returns, offering the analysis they need, when they need it.
Institutional Securities Group
As one of the top firms in Investment Banking and Sales & Trading, we help institutional clients meet their strategic objectives with seamless advice and execution.
Investment Management
We deliver investment solutions, enhanced by the industry-leading customization and tax management expertise of Eaton Vance, across public and private markets worldwide.
Location
111 S. Pfingsten Road
Suite 200
Deerfield, IL 60015
US
Direct:
(847) 504-2941(847) 504-2941
Meet The Hartman Curio Group
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(847) 504-2942(847) 504-2942
Era Doce
Registered Client Service Associate
Phone:
(847) 504-2944(847) 504-2944
Jill Rottman
Client Service Associate
Phone:
(847) 504-2943(847) 504-2943
About Me
I remember my first day in the financial services industry quite well. Across the desk from me was another new guy named Jeff who was also on day one. Little did I know then that 30 years later that young man would go on to become my trusted business partner today. The Hartman Curio Group was created in 2008, but the seeds of a powerful relationship were planted that day.
As a Portfolio Management Director, I’m passionate about making a positive impact on the lives of my clients and their families. It’s very rewarding to get to know a client, earn their trust, and then witness many good things they’ve been able to accomplish throughout the years. I may not have grown up wealthy, but I have tremendous respect for the doors it can open.
With over three decades of working at top firms including UBS, I recently returned to Morgan Stanley because I believe it provides my clients more opportunities to reach their goals. I hold a CPWA designation from the Booth School of Business at the University of Chicago and a CRPS designation. I graduated from the University of Illinois with a degree in Finance.
On a personal note, I love spending family time with my wife, Amy, and our three children. We enjoy staying active and exploring new destinations. I also like playing guitar whenever I get a free moment.
As a Portfolio Management Director, I’m passionate about making a positive impact on the lives of my clients and their families. It’s very rewarding to get to know a client, earn their trust, and then witness many good things they’ve been able to accomplish throughout the years. I may not have grown up wealthy, but I have tremendous respect for the doors it can open.
With over three decades of working at top firms including UBS, I recently returned to Morgan Stanley because I believe it provides my clients more opportunities to reach their goals. I hold a CPWA designation from the Booth School of Business at the University of Chicago and a CRPS designation. I graduated from the University of Illinois with a degree in Finance.
On a personal note, I love spending family time with my wife, Amy, and our three children. We enjoy staying active and exploring new destinations. I also like playing guitar whenever I get a free moment.
Securities Agent: GA, WI, WA, VA, UT, TX, TN, SD, SC, PA, OR, OH, NY, NV, NJ, NC, MT, MO, MN, MI, ME, MD, MA, KY, IN, IL, FL, DC, CT, CO, CA, AZ; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2447227
NMLS#: 2447227
About Me
I love what I do and find it very rewarding. I work closely with my clients to define their goals, set expectations and then execute a plan that’s crafted exclusively for them.
My career in the financial services industry has spanned more than 30 years. While technically I’m a seasoned veteran, I still feel the same drive and passion that got me to where I am. As the co-founder of the Hartman Curio Group, I play a pivotal role in delivering top-tier financial advice that caters to my clients’ individual goals. My commitment to excellence is highlighted by my Certified Private Wealth Advisor (CPWA®) designation, earned through the University of Chicago Booth School of Business.
In my role as a Portfolio Management Director, I’m able to manage wealth, while mitigating risk. I focus on financial planning, employing a holistic approach that encompasses accumulation, distribution, and wealth transfer strategies. One of my main areas of concentration is to craft asset protection strategies and legacy planning solutions, focused on my clients' financial security and the preservation of their legacies.
I’ve been married to my wonderful wife, Melissa, since 2000. Together, we have three active boys, Nicholas, Vincent, and John. It’s been a real pleasure to coach them in football, baseball, and basketball over the years. I’m also deeply committed to my community, and volunteer at St. Patrick High School, Chicago's oldest all-boys Catholic high school.
My career in the financial services industry has spanned more than 30 years. While technically I’m a seasoned veteran, I still feel the same drive and passion that got me to where I am. As the co-founder of the Hartman Curio Group, I play a pivotal role in delivering top-tier financial advice that caters to my clients’ individual goals. My commitment to excellence is highlighted by my Certified Private Wealth Advisor (CPWA®) designation, earned through the University of Chicago Booth School of Business.
In my role as a Portfolio Management Director, I’m able to manage wealth, while mitigating risk. I focus on financial planning, employing a holistic approach that encompasses accumulation, distribution, and wealth transfer strategies. One of my main areas of concentration is to craft asset protection strategies and legacy planning solutions, focused on my clients' financial security and the preservation of their legacies.
I’ve been married to my wonderful wife, Melissa, since 2000. Together, we have three active boys, Nicholas, Vincent, and John. It’s been a real pleasure to coach them in football, baseball, and basketball over the years. I’m also deeply committed to my community, and volunteer at St. Patrick High School, Chicago's oldest all-boys Catholic high school.
Securities Agent: TN, TX, UT, VA, WA, WI, GA, AZ, CA, CO, CT, DC, FL, IL, IN, KY, MA, MD, ME, MI, MN, MO, MT, NC, NJ, NV, NY, OH, OR, PA, SC, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 2438624
NMLS#: 2438624
About Era Doce
Era Doce is a highly educated professional with a strong background in finance and data analytics. She completed her undergraduate studies at Dominican University, where she majored in Finance, International Business, and Spanish, graduating in 2019. Eager to expand her knowledge and skill set, Era continued her education at Dominican University, obtaining a Masters in Data Analytics in 2021. Era holds several licenses, including Series 7, 66, 9, and 10, showcasing her experience in financial services and securities. Her commitment to professional growth and excellence is evident in her pursuit of these licenses. Currently, Era Doce serves as a Registered Client Service Associate, where she leverages her diverse education and licensing to provide valuable support and insights to clients in the financial industry. Her multidisciplinary background and dedication make her a valuable asset in the world of finance and data analytics.
About Jill Rottman
Jill graduated with her Bachelor of Arts in Speech Communication from the University of Illinois at Urbana-Champaign, marking the beginning of her journey in the finance industry. In 2001, Jill embarked on her finance career as a Sales Associate at Griffin, Kubik, Stephens & Thompson Inc. (GKST), a bond firm based in Chicago. Her commitment and expertise led her to transition with her former team to Morgan Stanley in 2007, where she served as a Senior Registered Sales Associate until 2011.
Jill took a break from her career to focus on her family, raising her two sons until 2020. During this time, she found her way back to the finance world when Hartman Curio welcomed her to UBS Financial as a Client Service Associate. In 2022, she continued her journey alongside Hartman Curio by transitioning to Morgan Stanley in the same role.
Outside of work, Jill finds immense joy in supporting her sons in their various sporting endeavors. She is also deeply committed to volunteering within her school communities and enjoys cooking with her family. She is happily married to her husband Tom and is the proud mother of two sons, Frank and Dean.
Jill took a break from her career to focus on her family, raising her two sons until 2020. During this time, she found her way back to the finance world when Hartman Curio welcomed her to UBS Financial as a Client Service Associate. In 2022, she continued her journey alongside Hartman Curio by transitioning to Morgan Stanley in the same role.
Outside of work, Jill finds immense joy in supporting her sons in their various sporting endeavors. She is also deeply committed to volunteering within her school communities and enjoys cooking with her family. She is happily married to her husband Tom and is the proud mother of two sons, Frank and Dean.
Contact Scott Hartman
Contact Jeff Curio
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
Thomas O'Brien
Planning Associate
About Thomas O'Brien
Thomas O’Brien 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. Thomas 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 Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Thomas is originally from Lynbrook, NY and currently resides in Lynbrook, NY.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Thomas is originally from Lynbrook, NY and currently resides in Lynbrook, NY.
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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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
Ready to start a conversation? Contact The Hartman Curio Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities 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 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 consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities 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 Disclosures
CRC 6491812 (04/2024)
