Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Workplace Advisor – Equity Compensation
The Heizenroth Zappy Group at Morgan Stanley
Direct:
(856) 222-4540(856) 222-4540
Our Mission Statement
We empower clients to make informed, confident decisions that put them on a clear path to realizing their financial goals.
The Heizenroth Zappy Group Advantage
If you are like many of our clients, you seek greater balance in your life. You want to focus more time on your family or career and less time worrying about your finances.
At The Heizenroth Zappy Group, we understand you have a lot of choices on where and how to invest your money, and we don’t believe that investment advice should be a one-size-fits-all approach. We provide you with personalized and tailored advice designed to meet your financial needs. Above all, we make it a priority to be your advocate, addressing your specific concerns and making sure your investment decisions make sense for you. We are passionate about providing you and your family with customized solutions and a detailed financial plan that is uniquely yours.
Through a series of conversations, we guide you through our goals-based process that puts you at the center of every decision. Our emphasis on financial planning – combined with our access to a robust portfolio platform and risk tools – enables us to help you navigate the complexities of the financial markets and empowers you to make smarter decisions about your money and your future.
Getting started is easy. It begins with a conversation. We look forward to getting to know you and your family and sharing details on how we can help you reach your financial goals for today, for your retirement and for the generations that follow.
At The Heizenroth Zappy Group, we understand you have a lot of choices on where and how to invest your money, and we don’t believe that investment advice should be a one-size-fits-all approach. We provide you with personalized and tailored advice designed to meet your financial needs. Above all, we make it a priority to be your advocate, addressing your specific concerns and making sure your investment decisions make sense for you. We are passionate about providing you and your family with customized solutions and a detailed financial plan that is uniquely yours.
Through a series of conversations, we guide you through our goals-based process that puts you at the center of every decision. Our emphasis on financial planning – combined with our access to a robust portfolio platform and risk tools – enables us to help you navigate the complexities of the financial markets and empowers you to make smarter decisions about your money and your future.
Getting started is easy. It begins with a conversation. We look forward to getting to know you and your family and sharing details on how we can help you reach your financial goals for today, for your retirement and for the generations that follow.
Services Include
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- 401(k) Rollovers
- Trust AccountsFootnote3
- Stock Plan ServicesFootnote4
- Sustainable InvestingFootnote5
- Cash Management and Lending ProductsFootnote6
- Estate Planning StrategiesFootnote7
- Business Succession PlanningFootnote8
- Executive Financial ServicesFootnote9
- Planning for Education FundingFootnote10
- Professional Portfolio ManagementFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR SUITE OF DIGITAL TOOLS
Our comprehensive suite of digital tools is designed to help enhance every aspect of your financial life. The Firm's market-leading technology platforms are resilient, safe, efficient, fast and flexible. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online
Total Wealth View
Use Total Wealth View to add all of your non-Morgan Stanley accounts together with your Morgan Stanley accounts to have a clearer view of your financial picture. Instead of logging in to multiple sites to see your balances, you can use a single login to easily view and analyze all of your finances. The ability to view all of your assets together provides us with the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. Total Wealth View is available on Morgan Stanley Online and the Morgan Stanley Mobile App.
E-Delivery
E-Delivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in E-Delivery. Documents available through E-Delivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications and portfolio reports.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Digital Vault Video
Cash Management Solutions
As a Morgan Stanley client, you have access to a comprehensive suite of cash management solutions. These solutions are available through the Morgan Stanley CashPlus Account or the Active Assets Accounts, which allows you to manage your cash management needs alongside your long-term investments. Solutions include ATM fee rebates, high mobile check deposit and electronic funds transfer limits and a funds availability policy that makes most check deposits available immediately for investment purposes.
MEDIA AND RESEARCH
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients 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.
Earnings, The Fed and Consumer Spending
With all the volatility surrounding the banking sector, the Fed raising rates and the continued debt ceiling debate, are consumers finally pulling back on spending?
Learn More Here
The Age of AI and Other Trends in Tech and Beyond
AI beyond the hype, a potential breakthrough in health tech, a near-term opportunity in PCs and more trends in technology and beyond.
Learn More Here
2025 M&A Outlook: 4 Trends Driving an Anticipated Rebound
A favorable regulatory environment and almost $3 trillion in uncommitted capital are among key factors that could lead to a comeback for mergers and acquisitions.
Learn More Here
Asia Equities Rally Once More
After a correction that took place in recent months, Asia and emerging markets are once again rallying. But how have these regions sustained their ongoing bull markets?
Learn More Here
GIC Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
Read the Latest Report
5 Tax-Smart Steps to Help Build Wealth
Even small tax adjustments in your portfolio can yield significantly more wealth over time. As lawmakers debate the tax code, here are several strategies to consider.
Learn More
Navigating the Emotional Transition of Selling a Business
Preparing for life after the sale of your business involves reflecting on your success and setting goals for the future.
Learn More Here
Protecting Your Estate From Future Transfer Taxes
The lifetime federal estate and gift tax exemption could be halved in 2026. Should you take action before then?
Learn More Here
Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes (Jan 2025) 2025 Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 3/31/23–3/31/24. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC, for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each Financial Advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Morgan Stanley Awards Disclosures© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Forbes Best-In-State Wealth Management Teams 2023: The Heizenroth Zappy Group
The Heizenroth Zappy Group was named to Forbes Magazine’s 2023 list of America’s Best-In-State Wealth Management Teams. Forbes Best-In-State Wealth Management Teams ranking was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices, client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Morgan Stanley Awards DisclosuresForbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Forbes Top Next-Gen Wealth Advisors Best-In-State 2022: Anthony Heizenroth & Christopher Zappy, CFA, CFP®
Anthony Heizenroth and Christopher Zappy were included in Forbes Magazine’s 2022 ranking of the nation’s Best-In-State Wealth Advisors for New Jersey. The Forbes Next-Gen ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria mostly gained through telephone and in-person due diligence interviews and quantitative data. Advisors considered have a minimum of seven years of experience, and the algorithm weights factors including revenue trends, assets under management, compliance records and industry experience.
Source: Forbes.com (August 2022) This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/21 - 3/31/22.
Morgan Stanley Awards DisclosuresSource: Forbes.com (August 2022) This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/21 - 3/31/22.
CFA® Charterholder
Chartered Financial Analyst (CFA®) is a professional designation given by the CFA® Institute that measures and certifies the competence and integrity of investment professionals. The program requires completion of a sophisticated curriculum which provides a strong foundation in advanced security analysis, portfolio management skills and wealth planning. It is one of the highest distinctions in the investment management profession.
CFP ®
Certified Financial Planner (CFP ®) is a professional certification for financial advisors who have met the rigorous qualifications for financial planning and have years of experience related to delivering financial planning services. CFP® professionals commit to the high ethical standards of the CFP® Board.
Christopher Zappy, CFA, CFP®
Workplace Advisor - Equity Compensation Specialist
Morgan Stanley Workplace Advisor’s for Equity Compensation service and educate clients on the full suite of workplace benefits and help address questions related to grants / awards, vesting events, restricted stock units, and more. James helps clients determine how equity compensation fits into their overall goals and financial strategy using the resources and tools of Morgan Stanley Wealth Management including goals-based strategies, personalized financial plans, and customized solutions.
Financial Planning Specialist
Financial Planning Specialist (FPS) is a professional designation which provides Financial Advisors with the fundamentals of wealth accumulation and management for high net worth individuals. The program provides a strong background in asset allocation strategies, risk management, tax implications and strategies, insurance products, equity compensation, education funding and retirement planning considerations.
Alternative Investment Director
The Alternative Investments Director Designation Program is exclusive to Morgan Stanley and was developed for Financial Advisors who have significantly incorporated Alternative Investments into their practice. Alternative Investments Directors have unique opportunities with the AI Group to provide valuable input regarding current industry trends, product pipeline and demand assessment and have an in-depth knowledge of Morgan Stanley Wealth Management products on our platform.
Location
330 Fellowship Rd
Ste 400
Mount Laurel, NJ 08054
US
Direct:
(856) 222-4540(856) 222-4540
Meet The Heizenroth Zappy Group
Senior Vice President, Financial Advisor, Family Wealth Director, Portfolio Manager, Lending Specialist, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(856) 222-4593(856) 222-4593
Carly Schiavone
Senior Registered Associate
Phone:
(856) 222-4581(856) 222-4581
Steven Gundersen
Registered Client Service Associate
Phone:
(856) 222-4540(856) 222-4540
About Anthony Heizenroth
Anthony lives in Delran, New Jersey with his wife Danielle and his children Anthony II, Vincent, and Emilia. Prior to Morgan Stanley, Anthony worked at Wells Fargo Advisors and The Vanguard Group in their High Net-Worth Flagship division. He believes that developing meaningful, trust-based relationships is integral to the pursuit of his clientele’s financial goals. Whether clients want to preserve and grow their wealth, plan for the financial security of the next generation, or manage their investment risk, Anthony possesses the experience and resources to help them reach such goals. Anthony holds Series 7, Series 66, and New Jersey and Pennsylvania Insurance Licenses. At Morgan Stanley, he currently holds the titles and responsibilities of Workplace Advisor – Equity Compensation, Portfolio Manager & Financial Advisor. Anthony’s passion for finance, adherence to moral and ethical standards, and dedication to serving his clients exemplify his mission as a financial advisor.
Securities Agent: MO, ID, GA, AK, UT, PA, NY, MN, IL, FL, AZ, TN, NH, MI, KS, DE, NC, IN, CO, MT, OH, NJ, MA, DC, SC, MD, WA, VT, VA, RI, OR, MS, CA, TX, NV, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1275744
CA Insurance License #: 0G51662
NMLS#: 1275744
CA Insurance License #: 0G51662
About Christopher Zappy
Chris and his wife, Lulu, have been happily married since 2016 and live in Moorestown, NJ, with their three children—Cooper, Rio, and Eden. A proud graduate of Rutgers University–New Brunswick, Chris earned his degree in finance, graduating with a 4.0 GPA at the top of his class.
After college, Chris pursued the CFA® designation, a globally respected distinction in the investment management profession, and later became a CFP® professional, demonstrating his commitment to delivering thoughtful and comprehensive financial guidance. At Morgan Stanley, he holds several roles, including Family Wealth Director, Alternative Investments Director, Workplace Advisor – Equity Compensation, Lending Specialist, Portfolio Manager, and Financial Advisor. He specializes in navigating complex financial markets, designing customized investment portfolios, and helping clients achieve their financial goals with clarity and confidence. In his free time, Chris is deeply involved in his community, serving as a coach for his son's baseball, football, and hockey teams. He also enjoys reading, playing baseball and golf, and spending quality time with his family.
After college, Chris pursued the CFA® designation, a globally respected distinction in the investment management profession, and later became a CFP® professional, demonstrating his commitment to delivering thoughtful and comprehensive financial guidance. At Morgan Stanley, he holds several roles, including Family Wealth Director, Alternative Investments Director, Workplace Advisor – Equity Compensation, Lending Specialist, Portfolio Manager, and Financial Advisor. He specializes in navigating complex financial markets, designing customized investment portfolios, and helping clients achieve their financial goals with clarity and confidence. In his free time, Chris is deeply involved in his community, serving as a coach for his son's baseball, football, and hockey teams. He also enjoys reading, playing baseball and golf, and spending quality time with his family.
Securities Agent: MD, MA, GA, DE, MO, RI, ME, KS, ID, TN, SC, NJ, NC, MS, DC, WA, VA, UT, NY, FL, NV, NH, MN, IL, CT, VT, OH, IN, HI, CO, CA, AK, PA, MT, AL, TX, AZ, OR, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1539477
CA Insurance License #: 4158093
NMLS#: 1539477
CA Insurance License #: 4158093
About Carly Schiavone
Carly resides in Marlton with her husband, Allan, and their four children. She earned her Bachelor of Science degree in Finance and Economic Theory from New York University’s Stern School of Business. While pursuing her undergraduate degree, she began working as a global macro analyst at Caxton Associates where she honed her portfolio management skills. During her tenure as a Financial Advisor at Morgan Stanley, she has refined the skills learned on Wall Street to help clients grow their wealth and build the future they desire. Carly hold Series 7, 57 and 66 Licenses. In her spare time, Carly practices Brazilian jiu jitsu and enjoys the outdoors with her family and three dogs.
About Steven Gundersen
Steven grew up in King of Prussia, Pennsylvania. He attended Stevens Institute of Technology and earned his Bachelor of Science degree in Quantitative Finance and Master’s degree in Finance. While at Stevens Institute, he joined the Stevens Student Managed Investment Fund as Co-Head of Research providing valuable recommendations on fund holdings. Steven holds the Series 7, Series 66, and New Jersey Insurance Licenses. His passion for finance drives him to provide the best possible investment recommendations and customer service to his clients. In his downtime he enjoys watching movies and reading science fiction novels.
Contact Anthony Heizenroth
Contact Christopher Zappy
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
Lorry Rosado
Private Banker
About Lorry Rosado
Lorry Rosado is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey and Pennsylvania.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Lorry began her career in financial services in 1984, and joined Morgan Stanley in 2017. Prior to joining the firm, she served as a Banking Advisor at Merrill Lynch, and a Senior Premier Client Manager at Bank of America.
She currently resides in East Brunswick, NJ with her family.
Outside of the office, Lorry volunteers as a Coach for the Fast Break Basketball Buddy Ball program, focused on providing an opportunity for disabled children and young adults to enjoy the game of basketball. In her free time, she enjoys spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Lorry began her career in financial services in 1984, and joined Morgan Stanley in 2017. Prior to joining the firm, she served as a Banking Advisor at Merrill Lynch, and a Senior Premier Client Manager at Bank of America.
She currently resides in East Brunswick, NJ with her family.
Outside of the office, Lorry volunteers as a Coach for the Fast Break Basketball Buddy Ball program, focused on providing an opportunity for disabled children and young adults to enjoy the game of basketball. In her free time, she enjoys spending time with her family.
NMLS#: 644450
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Heizenroth Zappy 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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Morgan 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
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
10When 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.
11Morgan 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.
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
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Morgan 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
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
10When 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.
11Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
