Kenny Hoover, CPWA®, CIMA®
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director, Lending Specialist, Alternative Investments Director, Senior Investment Management Consultant
Phone:
(713) 968-3141(713) 968-3141
The Hoover Schmidt Group at Morgan Stanley
Direct:
(713) 968-3123(713) 968-3123
Our Mission Statement
Our goal is to help you protect and grow the wealth you have created, and to help you and your family maintain unity as you pass both assets and values across generations.
Our Story
We are The Hoover Schmidt Wealth Management Group at Morgan Stanley bringing 42 years of combined industry experience working with families and their complex dynamics. Our entire careers have been spent with Morgan Stanley, reflecting our loyalty and commitment to our clients. We hold various professional designations including Certified Private Wealth Advisor® and Certified Financial Planner® but the most impactful for our clients is the Family Wealth Director designation.
The Family Wealth Director designation allows us to leverage the Morgan Stanley Family Office Resources team which has capabilities including Family Governance, Legacy Planning, Philanthropy Management and Wealth Transfers. We play a specialized role within your families’ wealth as we address your financial challenges and help develop an overall wealth management strategy that meets your needs and helps you and your family reach your goals. We apply a proven and consistent approach in which we communicate with our clients to truly understand your vision, preferences and unique circumstances. Our goal is to help you protect and grow the wealth you have created, and to help you and your family maintain unity as you pass both assets and values across generations.
While most advisors claim to be wealth planners, we find very few actually practice wealth management. What separates our group from most others is the ability to look at all aspects of the balance sheet. We take pride in the firm we have dedicated our careers to and in the commitment and consistency. Morgan Stanley has for Wealth Management and serving families just like yours.
For a second opinion on your current investments, or to talk about your goals, please call us at 713-968-3123.
2018-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2012 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2012). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria from 10/16/2011 through 5/6/2012.
The Family Wealth Director designation allows us to leverage the Morgan Stanley Family Office Resources team which has capabilities including Family Governance, Legacy Planning, Philanthropy Management and Wealth Transfers. We play a specialized role within your families’ wealth as we address your financial challenges and help develop an overall wealth management strategy that meets your needs and helps you and your family reach your goals. We apply a proven and consistent approach in which we communicate with our clients to truly understand your vision, preferences and unique circumstances. Our goal is to help you protect and grow the wealth you have created, and to help you and your family maintain unity as you pass both assets and values across generations.
While most advisors claim to be wealth planners, we find very few actually practice wealth management. What separates our group from most others is the ability to look at all aspects of the balance sheet. We take pride in the firm we have dedicated our careers to and in the commitment and consistency. Morgan Stanley has for Wealth Management and serving families just like yours.
For a second opinion on your current investments, or to talk about your goals, please call us at 713-968-3123.
2018-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2012 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2012). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria from 10/16/2011 through 5/6/2012.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Advanced Approach
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast and flexible. As a part of our services, these resources are readily available for all of our clients.
Your Assets Are Safeguarded
As a Morgan Stanley client, you rely on us to help you reach your financial goals. As a result, you entrust us with not only your aspirations for the future, but also with your confidential information and assets. We want you to know how seriously we take our responsibilities.
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Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – Access up-to-date news, current market data, research, company profiles, and quotes
• Access Import Documents – Sign up for digital access to all of your financial documents
• Manage Everyday Finances – Mobile check deposit, online bill pay, send money with Zelle, and e-authorizations
Learn More About MSO• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – Access up-to-date news, current market data, research, company profiles, and quotes
• Access Import Documents – Sign up for digital access to all of your financial documents
• Manage Everyday Finances – Mobile check deposit, online bill pay, send money with Zelle, and e-authorizations
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth View
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You shouldn't have to wait for important paperwork like statements, tax documents, or trade confirmations. With eDelivery, you'll get email notifications as soon as they're available on Morgan Stanley Online.
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Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
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Portfolio Risk Platform - Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
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Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Watch Video on Digital Vault
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have resources of MSO on the go.
Learn More About Our Mobile AppFamily Wealth Director Designation
The Family Wealth Director (FWD) designation is earned by approximately only 5% of all Morgan Stanley advisors, and entitles the Hoover Schmidt Group specialized access to a variety of family advisory services including family governance and wealth education, philanthropy management and lifestyle advisory.
Our goal is to help you protect and grow the wealth you have created, and to help you and your family maintain unity as you pass both assets and values across generations.
Our goal is to help you protect and grow the wealth you have created, and to help you and your family maintain unity as you pass both assets and values across generations.
National Recognition for The Hoover Schmidt Group:
MORGAN STANLEY
Morgan Stanley's President's Club
Kenny Hoover — 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023
Morgan Stanley's Master's Club
Nick Schmidt — 2016, 2017, 2018, 2019, 2020, 2021, 2022
Kenny Hoover — 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023
Morgan Stanley's Master's Club
Nick Schmidt — 2016, 2017, 2018, 2019, 2020, 2021, 2022
FORBES
Forbes' Best-In-State Wealth Advisors in Texas
Kenny Hoover — 2018, 2019, 2020, 2021, 2022, 2023
2018-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
View The 2023 List HereKenny Hoover — 2018, 2019, 2020, 2021, 2022, 2023
2018-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
TEXAS MONTHLY
Five Star Wealth Investment Manager
Kenny Hoover — 2012
2012 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 10/16/2011 through 05/16/2012
Kenny Hoover — 2012
2012 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 10/16/2011 through 05/16/2012
Let's Review Your Individual Needs
Location
1330 Post Oak Blvd
Suite 900
Houston, TX 77056
US
Direct:
(713) 968-3123(713) 968-3123
Meet The Hoover Schmidt Group
Nick Schmidt, CFP®
Executive Director, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(713) 968-3165(713) 968-3165
Lina Alanis
Director of Business Strategy
About Kenny Hoover
Kenny takes pride in developing comprehensive financial plans for our clients. Beginning in 1998, Kenny has gained the knowledge and experience essential to educating clients about their portfolios and for developing financial plans according to their individual goals and objectives. Kenny recognizes education is important and has obtained both the Certified Investment Management Analyst® (CIMA) and Certified Private Wealth Advisor® (CPWA) designations. He received his CIMA from The Wharton School's Aresty Institute of Executive Education and his CPWA from the University of Chicago Booth Business School. His focus is investment management where he utilizes institutional money managers and alternative investments.
Kenny graduated with a Bachelor of Business Administration degree in Finance from Texas A&M University.
A native Houstonian, Kenny currently resides in West Houston. During his free time, Kenny enjoys spending time with his family and friends. His hobbies include fishing, hunting, and traveling. However, his true passion is supporting the Texas A&M Community. He is a member of the 12th Man as well as the Association of Former Students.
Kenny graduated with a Bachelor of Business Administration degree in Finance from Texas A&M University.
A native Houstonian, Kenny currently resides in West Houston. During his free time, Kenny enjoys spending time with his family and friends. His hobbies include fishing, hunting, and traveling. However, his true passion is supporting the Texas A&M Community. He is a member of the 12th Man as well as the Association of Former Students.
Securities Agent: AR, CA, CO, CT, DC, FL, GA, IL, IN, KS, KY, LA, MS, MT, NE, NJ, NM, NY, OH, OK, OR, SC, TN, TX, UT, VA, WA, WY, AZ, DE, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285099
NMLS#: 1285099
About Nick Schmidt
Nick Schmidt is a Senior Vice President, Wealth Management Financial Advisor with The Hoover Schmidt Group at Morgan Stanley. Since starting his career with the Firm in 2003, Nick has developed a strong passion for truly understanding what is important to his clients. Learning what motivates them in their various aspects of life has allowed Nick to implement meaningful and impactful solutions within their Wealth Management Plans. He believes in understanding each and every unique family dynamic to develop a plan that is customized to achieve various goals such as retirement, college, gifting, legacy planning, and many other client desires. Nick works diligently to find the best financial solutions for each individual investor, small business, or foundation. His focus is comprehensive financial planning and wealth management.
Nick graduated with a Bachelor of Science degree in Finance from the University of Houston – Clear Lake. After completing coursework at the Suzanne M. Glasscock School of Continuing Studies at Rice University, he obtained the CERTIFIED FINANCIAL PLANNER™ designation. Maintaining the CFP designation requires ongoing coursework which allows him to stay on top of the ever changing financial planning landscape. Nick is currently a member of the Masters Club (four years) recognition group within Morgan Stanley.
Nick is originally from Connecticut, lived part of his childhood in Europe and currently resides in Houston, which he now calls home. During his off hours he enjoys spending time with family & friends, running, exercising, reading, learning, and traveling to new places.
Nick graduated with a Bachelor of Science degree in Finance from the University of Houston – Clear Lake. After completing coursework at the Suzanne M. Glasscock School of Continuing Studies at Rice University, he obtained the CERTIFIED FINANCIAL PLANNER™ designation. Maintaining the CFP designation requires ongoing coursework which allows him to stay on top of the ever changing financial planning landscape. Nick is currently a member of the Masters Club (four years) recognition group within Morgan Stanley.
Nick is originally from Connecticut, lived part of his childhood in Europe and currently resides in Houston, which he now calls home. During his off hours he enjoys spending time with family & friends, running, exercising, reading, learning, and traveling to new places.
Securities Agent: CA, WI, VA, OR, MA, MT, LA, AL, WA, NM, NJ, NE, KY, GA, CT, WY, FL, CO, AZ, TN, NY, IL, TX, SC, OK, MS, KS, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282460
NMLS#: 1282460
Contact Kenny Hoover
Contact Nick Schmidt
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
Ben Cucuzza
Private Banker
About Ben Cucuzza
Ben Cucuzza is a Private Banker serving Morgan Stanley Wealth Management offices in Texas.
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.
Ben began his career in financial services in 2005, and joined Morgan Stanley in 2022. Prior to joining the firm, he was an Affluent Segment Leader at Wells Fargo Bank, N.A.
Ben is a graduate of the University of Georgia, where he received a Bachelor of Business Administration in Marketing. He lives in Houston, Texas with his family. Outside of the office, Ben is involved in the Junior Achievement as well as the Big Brothers Big Sisters program. He also enjoys fishing, sports, and watching the Georgia Bulldogs.
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.
Ben began his career in financial services in 2005, and joined Morgan Stanley in 2022. Prior to joining the firm, he was an Affluent Segment Leader at Wells Fargo Bank, N.A.
Ben is a graduate of the University of Georgia, where he received a Bachelor of Business Administration in Marketing. He lives in Houston, Texas with his family. Outside of the office, Ben is involved in the Junior Achievement as well as the Big Brothers Big Sisters program. He also enjoys fishing, sports, and watching the Georgia Bulldogs.
NMLS#: 703137
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
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Hoover Schmidt Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4Alternative 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.
5Morgan 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
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
8Insurance 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
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4Alternative 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.
5Morgan 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
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
8Insurance 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)
