Phone:
(615) 665-4704(615) 665-4704
The Highland Ridge Group at Morgan Stanley
Direct:
(615) 292-0303(615) 292-0303
Our Mission Statement
Striving to inspire confidence so you can spend less time thinking about finances and more time focusing on what brings true meaning to your life.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A FINANCIAL PLAN MADE FOR YOU
At The Highland Ridge Group, we understand the importance of strategic financial planning, especially when it comes to retirement. We concentrate in providing comprehensive solutions that are tailored to your unique needs and goals.
By combining our extensive knowledge and experience with the vast resources of a global Wealth Management Firm, we offer you world-class strategies designed to help maximize your financial potential. Our approach to financial and retirement planning is rooted in personalized service and objective advice.
We take the time to understand your aspirations, risk tolerance, and timeline, allowing us to develop a custom-tailored plan that aligns with your vision for retirement. Whether you're a financially successful individual or family, a small business owner, or a professional in the financial industry, we have the experience to address your specific needs.
Explore more about our approach below and some of the tools Morgan Stanley offers to our esteemed clients:
By combining our extensive knowledge and experience with the vast resources of a global Wealth Management Firm, we offer you world-class strategies designed to help maximize your financial potential. Our approach to financial and retirement planning is rooted in personalized service and objective advice.
We take the time to understand your aspirations, risk tolerance, and timeline, allowing us to develop a custom-tailored plan that aligns with your vision for retirement. Whether you're a financially successful individual or family, a small business owner, or a professional in the financial industry, we have the experience to address your specific needs.
Explore more about our approach below and some of the tools Morgan Stanley offers to our esteemed clients:
Discover
We begin by engaging in a conversation to gain a deep understanding of your specific requirements, lifestyle, family dynamics, and future aspirations.
Advise
Our team collaborates with you to develop tailored portfolio strategies that not only align with your goals but also help safeguard your desired outcomes.
Implement
We analyze a wide range of accounts and products to identify and implement solutions that best suit your unique investment strategy.
Track Progress
We provide assistance in tracking your progress, monitoring your spending habits, and managing your savings to help ensure that you stay on course towards achieving your objectives.
Goals Planning System (GPS)
At Morgan Stanley, we prioritize the importance of financial planning, which is why our Firm has meticulously developed our proprietary integrated planning tool known as the Goals Planning System (GPS). By harnessing our Firm's extensive intellectual capital and capabilities, GPS offers a user-friendly and highly efficient platform specifically designed to evaluate the progress of clients in attaining their financial objectives. With GPS, you can navigate the path towards your clients' desired financial outcomes with confidence and precision.
Morgan Stanley Goals Planning System (GPS) is a focus on goals-based planning. Within this framework, we have a goals-based platform that includes a brokerage investment analysis tool (GPS Platform). While securities held in your investment advisory accounts may be included in the analysis, the reports generated from the GPS Platform are not financial plans nor constitute a financial planning service. A financial plan generally seeks to address a wide spectrum of your long-term financial needs, and can include recommendations about insurance, savings, tax and estate planning, and investments, taking into consideration your goals and situation, including anticipated retirement or other employee benefits. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) will only prepare a financial plan at your specific request using Morgan Stanley approved financial planning software. If you would like to have a financial plan prepared for you, please consult with a Morgan Stanley Financial Advisor.
To understand the differences between brokerage and advisory relationships, clients should consult their Financial Advisor, or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at http://www.morganstanley.com/ourcommitment/
Morgan Stanley Goals Planning System (GPS) is a focus on goals-based planning. Within this framework, we have a goals-based platform that includes a brokerage investment analysis tool (GPS Platform). While securities held in your investment advisory accounts may be included in the analysis, the reports generated from the GPS Platform are not financial plans nor constitute a financial planning service. A financial plan generally seeks to address a wide spectrum of your long-term financial needs, and can include recommendations about insurance, savings, tax and estate planning, and investments, taking into consideration your goals and situation, including anticipated retirement or other employee benefits. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) will only prepare a financial plan at your specific request using Morgan Stanley approved financial planning software. If you would like to have a financial plan prepared for you, please consult with a Morgan Stanley Financial Advisor.
To understand the differences between brokerage and advisory relationships, clients should consult their Financial Advisor, or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at http://www.morganstanley.com/ourcommitment/
Aladdin - Portfolio Risk Platform
When you work with us, you gain exclusive access to Morgan Stanley's cutting-edge Portfolio Risk Platform. This platform offers a comprehensive range of risk assessment and reporting tools covering various asset classes and security types. It provides both a macro-level overview and in-depth analysis, enabling you to streamline your risk monitoring and management processes effectively.
The Portfolio Analysis report (“Report”) is generated by Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in a Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models.
Any recommendations regarding external accounts/holdings are asset allocation only and do not include security recommendations.
IMPORTANT: The projections or other information provided in a Report regarding the likelihood of various investment outcomes (including any assumed rates of return and income) are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Hypothetical investment results have inherent limitations.
•There are frequently large differences between hypothetical and actual results.
•Hypothetical results do not represent actual results and are generally designed with the benefit of hindsight.
•They cannot account for all factors associated with risk, including the impact of financial risk in actual trading or the ability to withstand losses or to adhere to a particular trading strategy in the face of trading losses.
•There are numerous other factors related to the markets in general or to the implementation of any specific strategy that cannot be fully accounted for in the preparation of hypothetical risk results and all of which can adversely affect actual performance.
Morgan Stanley cannot give any assurances that any estimates, assumptions or other aspects of the risk analyses will prove correct. They are subject to actual known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from those shown in a Report.
The Portfolio Analysis report (“Report”) is generated by Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in a Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models.
Any recommendations regarding external accounts/holdings are asset allocation only and do not include security recommendations.
IMPORTANT: The projections or other information provided in a Report regarding the likelihood of various investment outcomes (including any assumed rates of return and income) are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Hypothetical investment results have inherent limitations.
•There are frequently large differences between hypothetical and actual results.
•Hypothetical results do not represent actual results and are generally designed with the benefit of hindsight.
•They cannot account for all factors associated with risk, including the impact of financial risk in actual trading or the ability to withstand losses or to adhere to a particular trading strategy in the face of trading losses.
•There are numerous other factors related to the markets in general or to the implementation of any specific strategy that cannot be fully accounted for in the preparation of hypothetical risk results and all of which can adversely affect actual performance.
Morgan Stanley cannot give any assurances that any estimates, assumptions or other aspects of the risk analyses will prove correct. They are subject to actual known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from those shown in a Report.
YOUR INVESTOR TOOLBOX
At Morgan Stanley, we firmly believe in the importance of a strong financial education as a key driver for gaining valuable insights into investment strategies and fostering disciplined decision-making abilities. This fundamental approach ultimately leads to superior long-term outcomes. To uphold this principle, we are fully committed to equipping our clients with essential knowledge on effectively managing wealth in today's dynamic global markets.
To fulfill this commitment, we have meticulously curated a diverse range of resources that highlight the core investment strategies and concepts central to our practice. These resources have been thoughtfully organized and conveniently made accessible through direct links. We highly encourage you to explore these materials regularly to deepen your understanding of the critical factors that influence your overall financial well-being.
To fulfill this commitment, we have meticulously curated a diverse range of resources that highlight the core investment strategies and concepts central to our practice. These resources have been thoughtfully organized and conveniently made accessible through direct links. We highly encourage you to explore these materials regularly to deepen your understanding of the critical factors that influence your overall financial well-being.
GIC Weekly Research Report
Lisa Shalett, Head of the Global Investment Office, provides invaluable expertise and delivers a comprehensive outlook through ongoing analysis of global markets, asset class performance, and fixed income.
Read The Latest Report
Thoughts On The Market Podcast
Gain valuable insights into the market's dynamics from the perspective of Mike Wilson, the highly respected Chief Investment Officer and Chief Equity Strategist for Morgan Stanley, and his team. Listen to the Team's dialogue encompassing diverse viewpoints on the latest trends in the financial marketplace, exploring the various forces that are shaping the industry.
Listen To The Latest Episode
On The Markets Research Report
Gain valuable insights on global equities, fixed income, monetary policy, and more from Morgan Stanley's expert thought leaders. Their robust market commentary offers in-depth perspectives to help inform your investment decisions.
Read The Latest Report
Morgan Stanley's Ideas Podcast
The Morgan Stanley Ideas Podcast presents sophisticated and enlightening narratives that offer profound insights into the business, finance, and technology landscapes. This engaging and informative podcast serves as a valuable resource, deepening your understanding of diverse industries.
Listen To The Latest Episode
Global Insights Report
Stay informed about regional trends in international markets with Morgan Stanley's global multi-asset publication. Combining economic data and policy insights, this publication provides a thorough analysis for a deeper understanding of market dynamics.
Read The Latest Report
Tax Smart Investing
Enhance you financial growth by incorporating tax management into your investment process. By thinking ahead and employing tax-smart strategies throughout the investment journey, not just during tax season, you can potentially achieve better overall outcomes.
Learn More HereMORGAN STANLEY'S SUITE OF CUTTING-EDGE DIGITAL TOOLS
At Morgan Stanley we proudly offer our clients a suite of digital resources meticulously designed to empower and enhance every aspect of their financial portfolio. We understand the importance of staying ahead in today's fast-paced world, and that's why we have curated a range of Modern Wealth Management tools to cater to our valued clients.
Take the time to explore and learn more about the many digital resources at your disposal. Whether you're seeking real-time market insights, personalized financial planning guidance, or seamless access to your accounts, Morgan Stanley has you covered. Join us on this journey towards financial success, powered by the tools that set us apart in the world of wealth management.
Take the time to explore and learn more about the many digital resources at your disposal. Whether you're seeking real-time market insights, personalized financial planning guidance, or seamless access to your accounts, Morgan Stanley has you covered. Join us on this journey towards financial success, powered by the tools that set us apart in the world of wealth management.
Morgan Stanley Online and MS Mobile
Morgan Stanley Online (MSO) provides a comprehensive suite of features designed to enhance your daily financial management. With MSO, you not only gain access to your account balance and activity but also enjoy a range of functionalities that streamline tasks such as bill payments, fund transfers, and expedited transactions. Our meticulously crafted eAuthorizations feature ensures secure and efficient transaction approvals, optimizing your financial management processes and saving you valuable time and effort.
Morgan Stanley Online
Total Wealth View
Total Wealth View offers a secure and holistic solution for consolidating accounts from multiple sources. By bringing all your financial information into one place, it enables an overarching view of your portfolio. This in-depth understanding allows our team to provide personalized and tailored advice, perfectly aligned with your unique financial situation.
Total Wealth View
eAuthorizations
Our eAuthorizations feature provides a streamlined and secure method for granting transaction approvals electronically. With just a single click, you can easily manage and authorize transactions through Morgan Stanley's Online and Mobile App, ensuring seamless and hassle-free financial control.
eAuthorizations Client Guide
Digital Vault
The Digital Vault, available on Morgan Stanley Online and the Mobile App, offers a highly secure and convenient way to access, upload, and share crucial documents. From wills and deeds to financial statements and tax filings, the Digital Vault serves as a centralized repository for managing your important records, ensuring they are easily accessible whenever you need them.
Digital Vault Client Guide
eDelivery
Take advantage of our eDelivery feature, which offers you the convenience and flexibility of accessing your statements and important documents in an electronic format. By eliminating the need for paper copies, eDelivery not only reduces clutter but also enhances accessibility. Morgan Stanley Online clients can easily enroll in eDelivery, and the platform currently supports a wide range of documents including trade confirmations, prospectuses, general correspondence, selected IRS-approved tax documents, and more.
eDelivery Client GuideLocation
2000 Meridian Blvd
Suite 290
Franklin, TN 37067
US
Direct:
(615) 292-0303(615) 292-0303
Meet The Highland Ridge Group
Tiffany Y. Mason
Portfolio Associate
Phone:
(615) 665-4703(615) 665-4703
About Jeffrey S. Weiner
As a licensed investment professional for 30 years, Jeff implements wealth management strategies for clients by concentrating on investment management, estate and retirement planning strategies.
In 2019, Jeff was recognized by Forbes Magazine as being a Best-In-State Wealth Advisor, and again in 2020.
As an alumnus of The University of Massachusetts in Amherst with a Bachelor’s degree in Finance and a minor in Economics, Jeff continues to expand his knowledge base by remaining experienced in the capital markets arena.
Jeff and his wife, Kim, have three children and live in Franklin.
"2019 & 2020 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019 & 2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. "
In 2019, Jeff was recognized by Forbes Magazine as being a Best-In-State Wealth Advisor, and again in 2020.
As an alumnus of The University of Massachusetts in Amherst with a Bachelor’s degree in Finance and a minor in Economics, Jeff continues to expand his knowledge base by remaining experienced in the capital markets arena.
Jeff and his wife, Kim, have three children and live in Franklin.
"2019 & 2020 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019 & 2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. "
Securities Agent: SC, MI, OR, OH, NM, MS, MA, CA, VA, PA, HI, UT, TX, OK, MD, IL, GA, CT, DE, WA, TN, NH, KY, KS, FL, WY, VT, RI, NJ, CO, AL, NY, LA, IN, DC, SD, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1270271
NMLS#: 1270271
About Tiffany Y. Mason
Tiffany is an experienced Portfolio Associate with a strong foundation in the finance industry. She launched her career with Vanguard in 2010 as a fresh graduate and later joined Morgan Stanley in 2013 after moving to Nashville, TN. Possessing both Series 7 and Series 66 certifications, Tiffany brings a wealth of knowledge and experience to her role.
She earned her Bachelor of Science in Marketing from the University of North Carolina, Charlotte. In her role, Tiffany uses her financial acumen to understand the unique needs of her clients, and her attention to detail and organizational skills to provide a high level of service. She takes deep pride in helping each client reach their goals, benefiting not just them but their families and future generations as well.
Tiffany is originally from Charlotte, North Carolina, but now resides in Nashville, TN, with her husband, Robert, and their pug, Oliver. They love to travel, cook, and spend quality time with Oliver. Additionally, Tiffany is an avid runner and reader.
As a Portfolio Associate, Tiffany's years of experience, coupled with her commitment to building strong client relationships, make her an invaluable asset to our team and a reliable guide to help you navigate your financial future.
She earned her Bachelor of Science in Marketing from the University of North Carolina, Charlotte. In her role, Tiffany uses her financial acumen to understand the unique needs of her clients, and her attention to detail and organizational skills to provide a high level of service. She takes deep pride in helping each client reach their goals, benefiting not just them but their families and future generations as well.
Tiffany is originally from Charlotte, North Carolina, but now resides in Nashville, TN, with her husband, Robert, and their pug, Oliver. They love to travel, cook, and spend quality time with Oliver. Additionally, Tiffany is an avid runner and reader.
As a Portfolio Associate, Tiffany's years of experience, coupled with her commitment to building strong client relationships, make her an invaluable asset to our team and a reliable guide to help you navigate your financial future.
Contact Jeffrey S. Weiner
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
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Ready to start a conversation? Contact The Highland Ridge Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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)
