William Hines
Senior Vice President, Financial Advisor
Phone:
(617) 570-9527(617) 570-9527
The Hines Hall Team at Morgan Stanley
Direct:
(617) 570-9571(617) 570-9571
Our Mission Statement
Comprehensive, thoughtful financial management for successful people and families focused on preserving wealth and planning for major life events.
Our Story and Services
At the Hines Hall team at Morgan Stanley, we believe that strong relationships are built on two things – a synergy between client goals and advisor strengths, and a set of shared values. Accordingly, here are 5 principles that define our team:
1. Nothing is more important than trust. Our background is in private banking – a culture built on doing what you promise to do, having frank discussions, and always acting in our client’s best interest.
2. Your goals are the only yardstick of success. We practice goal-based, comprehensive wealth management, and provide thoughtful, strategic advice for every decision.
3. Have a plan for everything. Short-, medium- and long-term goals. Liquidity events. Life stage changes. Each can (and must) be planned for.
4. Wealth decisions and emotions don’t mix. Why do investors make poor decision? Often, the answer is simple: emotion. Emotions cause people to deviate from their plans. We provide the steady hand to help ensure that financial decisions are driven by logic, wisdom and planning.
5. Even complicated issues can be made simple. Our clients lead engaged, active lives. We handle the heavy lifting, so clients enjoy sophisticated wealth management made simple.
We work with successful entrepreneurs, executives, business owners, physicians – primarily self-made people keenly interested in protecting what they’ve earned for their families and future generations. And we are committed to the highest level of personal, boutique-style service.
1. Nothing is more important than trust. Our background is in private banking – a culture built on doing what you promise to do, having frank discussions, and always acting in our client’s best interest.
2. Your goals are the only yardstick of success. We practice goal-based, comprehensive wealth management, and provide thoughtful, strategic advice for every decision.
3. Have a plan for everything. Short-, medium- and long-term goals. Liquidity events. Life stage changes. Each can (and must) be planned for.
4. Wealth decisions and emotions don’t mix. Why do investors make poor decision? Often, the answer is simple: emotion. Emotions cause people to deviate from their plans. We provide the steady hand to help ensure that financial decisions are driven by logic, wisdom and planning.
5. Even complicated issues can be made simple. Our clients lead engaged, active lives. We handle the heavy lifting, so clients enjoy sophisticated wealth management made simple.
We work with successful entrepreneurs, executives, business owners, physicians – primarily self-made people keenly interested in protecting what they’ve earned for their families and future generations. And we are committed to the highest level of personal, boutique-style service.
Services Include
- Alternative InvestmentsFootnote1
- Wealth ManagementFootnote2
- Wealth PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Philanthropic ManagementFootnote5
- Cash Management and Lending ProductsFootnote6
- Institutional ServicesFootnote7
- Financial PlanningFootnote8
- Estate Planning StrategiesFootnote9
- Cash ManagementFootnote10
- Trust AccountsFootnote11
- Life InsuranceFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A systematic approach to comprehensive wealth management
Every client is unique and our advice and recommendations are tailored to your specific goals.
However, we also have found that the best way to create a customized plan for you is with a time-tested, repeatable process. It is a four-step process that helps identify and clarify your goals, preferences and personal style:
1. Discover
• Assess your current financial situation
• Discuss your financial and life goals
• Talk about objectives for your family and legacy
• Assist in defining your time frame and preferred level of risk
2. Create
• Develop an investment strategy based on your needs
• Design a customized portfolio using Modern Portfolio Theory to determine asset allocation
• Create comprehensive financial plans that offer solutions for important life events and goals such as retirement, education and philanthropy
• Advise on employer-sponsored plans and benefits
• Assess cash flow and liability requirements
• Consider strategies to mitigate tax liabilities
3. Act
• Provide an implementation plan involving investment management, cash management, trust & estate strategies and insurance solutions
• Integrate equity compensation and other benefits into an overall investment strategy
• Coordinate plan implementation with your attorneys and tax advisors
4. Adjust
• Continually assess investment allocation to determine if adjustments are needed based on life events and/or changing market conditions
• Adapt strategies based on evolving tax and regulatory environments
• Conduct formal reviews throughout the year
However, we also have found that the best way to create a customized plan for you is with a time-tested, repeatable process. It is a four-step process that helps identify and clarify your goals, preferences and personal style:
1. Discover
• Assess your current financial situation
• Discuss your financial and life goals
• Talk about objectives for your family and legacy
• Assist in defining your time frame and preferred level of risk
2. Create
• Develop an investment strategy based on your needs
• Design a customized portfolio using Modern Portfolio Theory to determine asset allocation
• Create comprehensive financial plans that offer solutions for important life events and goals such as retirement, education and philanthropy
• Advise on employer-sponsored plans and benefits
• Assess cash flow and liability requirements
• Consider strategies to mitigate tax liabilities
3. Act
• Provide an implementation plan involving investment management, cash management, trust & estate strategies and insurance solutions
• Integrate equity compensation and other benefits into an overall investment strategy
• Coordinate plan implementation with your attorneys and tax advisors
4. Adjust
• Continually assess investment allocation to determine if adjustments are needed based on life events and/or changing market conditions
• Adapt strategies based on evolving tax and regulatory environments
• Conduct formal reviews throughout the year
Beyond your portfolio – the importance of wealth management
Comprehensive wealth management is much more than investments; it includes every decision – large or small – that has a financial impact on your overall goals. We carefully review both sides of your personal balance sheet: assets (investments, real estate, etc.) and liabilities (debt, taxes, etc.).
That’s why we believe in a comprehensive approach, which we call goals-based wealth management. In practice, it means we offer advice and recommendations on anything involving money, including (but not limited to):
401(k) Rollovers
529 Plans
Alternative Investments
Asset Management
Business Planning
Cash Management
Corporate Bonds
Endowments and Foundations
Estate Planning Strategies
Exchange Traded Funds
Financial Planning
Lending Products
Municipal Bonds
Philanthropic Services
Planning for Education Funding
Professional Portfolio Management
Retirement Planning
Trust Services*
Wealth Consulting
Wealth Management
That’s why we believe in a comprehensive approach, which we call goals-based wealth management. In practice, it means we offer advice and recommendations on anything involving money, including (but not limited to):
401(k) Rollovers
529 Plans
Alternative Investments
Asset Management
Business Planning
Cash Management
Corporate Bonds
Endowments and Foundations
Estate Planning Strategies
Exchange Traded Funds
Financial Planning
Lending Products
Municipal Bonds
Philanthropic Services
Planning for Education Funding
Professional Portfolio Management
Retirement Planning
Trust Services*
Wealth Consulting
Wealth Management
Location
28 State Street
Fl
Boston, MA 02109
US
Direct:
(617) 570-9571(617) 570-9571
Meet The Hines Hall Team
Deirdre Hall, CFA
Senior Vice President, Financial Advisor
Phone:
(617) 570-9571(617) 570-9571
Benjamin M. Giglio
Client Service Associate
Phone:
(617) 570-9588(617) 570-9588
About William Hines
Bill is a co-founder of the Hines Hall team, and works with our clients to develop comprehensive investment strategies. He has more than 25 years of experience in investment and wealth management, helping clients with goals-based advice and recommendations.
Bill has spent his entire career working with high-net-worth individuals and families. He started his career at The Bankers Trust Company Global Private Wealth Division, later joining firms including Mellon Private Capital Management and State Street Wealth Management Services. Most recently, he was Executive Managing Director with Boston Private Wealth, where he met Deirdre Hall. In order to take advantage of the firm’s global resources and cutting-edge technology, they teamed up and joined Morgan Stanley.
Bill earned a B.A. from Cornell University, and also studied at the Wharton School of Finance. He is a member of the Investments and Wealth Institute and the Institute for Private Investors.
Bill and his wife raised three children in Hingham, where he still lives. In addition to a variety of community and family activities, he is a former executive board member of the Boy Scouts of America. An enthusiastic outdoorsman, Bill enjoys sailing, skiing and spending time outside with family and friends.
Bill has spent his entire career working with high-net-worth individuals and families. He started his career at The Bankers Trust Company Global Private Wealth Division, later joining firms including Mellon Private Capital Management and State Street Wealth Management Services. Most recently, he was Executive Managing Director with Boston Private Wealth, where he met Deirdre Hall. In order to take advantage of the firm’s global resources and cutting-edge technology, they teamed up and joined Morgan Stanley.
Bill earned a B.A. from Cornell University, and also studied at the Wharton School of Finance. He is a member of the Investments and Wealth Institute and the Institute for Private Investors.
Bill and his wife raised three children in Hingham, where he still lives. In addition to a variety of community and family activities, he is a former executive board member of the Boy Scouts of America. An enthusiastic outdoorsman, Bill enjoys sailing, skiing and spending time outside with family and friends.
Securities Agent: ME, NY, VT, OR, CA, CT, FL, IL, IN, KS, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1913284
NMLS#: 1913284
About Deirdre Hall
A co-founder of the Hines Hall team, Deirdre has been putting her experience and analytical skills to work for clients for over 20 years. During that time, she has guided her clients through several volatile market cycles with a steady hand and thoughtful, goals-based advice.
At previous firms including Thomson Financial, Appleton Partners and Rockland Trust, Deirdre’s roles included equity and fixed income analysis, asset allocation, manager due diligence, financial planning and portfolio management. Most recently, she was a Senior Client Advisor at Boston Private Wealth, where she worked closely with Bill Hines developing trusted relationships with clients and their families. They joined Morgan Stanley together to leverage the firm’s global resources and cutting-edge technology for their clients.
Deirdre earned a BS in Psychology with a minor in Chemistry from Duke University. She holds the Chartered Financial Analyst® designation and is a member of the CFA Society of Boston.
Deirdre and her family live in the North End, where she stays active with her two young children and their activities. She serves on the board of her condominium association and also enjoys travel, playing the piano and tennis.
At previous firms including Thomson Financial, Appleton Partners and Rockland Trust, Deirdre’s roles included equity and fixed income analysis, asset allocation, manager due diligence, financial planning and portfolio management. Most recently, she was a Senior Client Advisor at Boston Private Wealth, where she worked closely with Bill Hines developing trusted relationships with clients and their families. They joined Morgan Stanley together to leverage the firm’s global resources and cutting-edge technology for their clients.
Deirdre earned a BS in Psychology with a minor in Chemistry from Duke University. She holds the Chartered Financial Analyst® designation and is a member of the CFA Society of Boston.
Deirdre and her family live in the North End, where she stays active with her two young children and their activities. She serves on the board of her condominium association and also enjoys travel, playing the piano and tennis.
Securities Agent: OR, FL, MA, ME, VT, NY, KS, IN, CA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1879618
NMLS#: 1879618
About Benjamin M. Giglio
As a client service associate, Ben works with our clients to provide exceptional service and administrative support.
Ben joined Morgan Stanley in 2022 from Northwestern Mutual, where he was a Financial Representative.
Ben grew up in Plymouth, Massachusetts and graduated from Bryant University with a B.S. in Finance. During his years at Bryant, he helped run nonprofit organizations through the pandemic, managed school sponsored investment funds, and helped take a leadership role for youth justice and social change.
Ben joined Morgan Stanley in 2022 from Northwestern Mutual, where he was a Financial Representative.
Ben grew up in Plymouth, Massachusetts and graduated from Bryant University with a B.S. in Finance. During his years at Bryant, he helped run nonprofit organizations through the pandemic, managed school sponsored investment funds, and helped take a leadership role for youth justice and social change.
Contact William Hines
Contact Deirdre Hall
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Hines Hall Team today.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley 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
11Morgan 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.
12Insurance products 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley 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
11Morgan 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.
12Insurance products 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)
