Phone:
(805) 278-3609(805) 278-3609
The Hopps Group at Morgan Stanley
Direct:
(805) 278-3633(805) 278-3633
Toll-Free:
(800) 767-0170(800) 767-0170
Our Mission Statement
Our clients enjoy working with a team they know they can trust.
Our Story and Services
We are a goals-based financial advisory team that has developed a process, the Fit process, to help clients simplify, organize, and coordinate all of their Wealth Management and Investing needs. We also work closely with a Value Added Support Team, and this team is composed of fully vetted professionals, such as CPAs, Estate Planning Lawyers, Private Bankers, Insurance and any needed professional services. Using our process, we collaborate with these professionals, so that our clients always have the complete picture.
Determining if we are a fit for each other, is an important part of our process. We start with understanding your goals, concerns and what’s important to you.
We then take the time to understand your financial status by analyzing your existing situation and building a thorough Personal Financial Profile. We also use this time to get to know one another. Then, we mutually decide if The Hopps Group is the team best suited for helping you achieve your financial goals.
If you'd like to find out more about our team and our 'Fit' process, please give us a call or send an email, and we will have someone from our team to reach out to you.
We look forward to hearing from you.
Determining if we are a fit for each other, is an important part of our process. We start with understanding your goals, concerns and what’s important to you.
We then take the time to understand your financial status by analyzing your existing situation and building a thorough Personal Financial Profile. We also use this time to get to know one another. Then, we mutually decide if The Hopps Group is the team best suited for helping you achieve your financial goals.
If you'd like to find out more about our team and our 'Fit' process, please give us a call or send an email, and we will have someone from our team to reach out to you.
We look forward to hearing from you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Wealth Management Process
“It’s not the blowing of the wind that determines our destination, it’s the set of the sail.” — Jim Rohn
DISCOVER
Our relationship begins with a thorough understanding of your immediate needs, priorities and goals. We’ll discover details about your credit and basic finances and help you take precautions to maintain credit and preserve assets.
CREATE
We develop a tailored roadmap to begin to help you rebuild your wealth and achieve the outcomes you seek. We’ll identify the strategies to help you:
• Plan for retirement
• Provide healthcare protection for yourself and your children
• Revise your estate plan
• Plan for retirement
• Provide healthcare protection for yourself and your children
• Revise your estate plan
ACT
Next, we help you implement the strategies we formulate together, taking into account special circumstances, such as alimony, child support and tax consequences of selling large assets like your home.
ADJUST
Achieving your goals requires vigilance and flexibility. We help monitor your progress and make adjustments as life evolves, markets and tax laws shift and priorities change.
Women & Wealth
Wealth is about more than just your money.
True wealth is also about your life and the things you value most. Regardless of whether you are married, divorced or widowed; have a family and /or career; own your business, create your wealth or inherit assets, there are relationships, interests and goals that bring you joy. These vital elements need to be at the heart of your wealth plan.
You will find your Morgan Stanley Financial Advisor to be a reliable source of objective information and ideas as you begin to assess how to best manage your wealth. Your Advisor is an advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley for you, delivering resources in the way that is appropriate for how you invest and what you want to achieve.
The links below provide resources and insights for women who are going through or have had a major life change.
True wealth is also about your life and the things you value most. Regardless of whether you are married, divorced or widowed; have a family and /or career; own your business, create your wealth or inherit assets, there are relationships, interests and goals that bring you joy. These vital elements need to be at the heart of your wealth plan.
You will find your Morgan Stanley Financial Advisor to be a reliable source of objective information and ideas as you begin to assess how to best manage your wealth. Your Advisor is an advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley for you, delivering resources in the way that is appropriate for how you invest and what you want to achieve.
The links below provide resources and insights for women who are going through or have had a major life change.
Playbook: A Woman’s Guide to Life & Money
Morgan Stanley has created the Playbook as a resource to help guide you on this financial journey. Filled with articles, infographics, checklists, interviews, and tips that cover 10 major life milestones, the Playbook shares essential money know-how to help you navigate the road ahead and explore new horizons with confidence.
Playbook: A Woman’s Guide to Life & Money
Divorce: Planning for a New Beginning
Divorce can make an emotionally difficult time even more challenging, especially considering the potential financial impact. This factsheet helps women plan and make well-informed decisions to protect their financial independence.
Divorce: Planning for a New Beginning
Planning for Your Financial Future
Armed with education and a plan, women can feel more confident about their financial goals and how they'll achieve them.
Planning for Your Financial Future
Women Changing the Conversation
Gender inequality is a persistent problem for society. Here's how several highly influential women think we can begin to address it.
Women Changing the Conversation2024 Tax Tables Edition
Access PDF Version Here
2024 Tax TableOur Suite of Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Online Security Center
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
eDelivery
Digital Vault
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. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
Digital VaultLocation
300 E. Esplanade Dr
10th Floor
Oxnard, CA 93036
US
Direct:
(805) 278-3633(805) 278-3633
Toll-Free:
(800) 767-0170(800) 767-0170
Meet The Hopps Group
Vice President, Financial Advisor, Alternative Investments Director, Senior Investment Management Consultant, CERTIFIED FINANCIAL PLANNER®
Phone:
(805) 278-3632(805) 278-3632
Jason Whited
Registered Associate
Phone:
(805) 278-3633(805) 278-3633
Adam Biederman
Registered Client Service Associate
Phone:
(805) 278-3649(805) 278-3649
About Lydia Hopps
As the senior partner of The Hopps Group, Lydia leads her team in creating financial road-maps for her clients, allowing them to take care of their loved ones, meet their personal goals and leave a lasting legacy.
Lydia’s background reflects her wealth management style; it includes a combination of educational training and professional experience. She has spent over 24 years working with clients to help them find a balance between financial security, health and quality of life. Before that, she spent the first part of her career as a teacher. She began working in her family business in her early teens.
Lydia earned a Bachelor of Science degree in Psychology from California State College at Long Beach, and later her lifetime teaching credential from the University of California at Santa Barbara.
Lydia is president of the Community Memorial Healthcare Foundation and on the Board of Trustees of the Community Memorial Healthcare System. She is also an active supporter of Casa Pacifica, Women’s Economic Ventures, The Ventura Music Festival, Ventura Botanical Gardens, and The Museum of Ventura County Collector’s Council. She has resided in Ventura for over 47 years with her family which includes sons Ben and Daniel, and grandchildren Phoebe and Jacob.
Professional Details
Founder of the Hopps Group and leader of our wealth management team that helps create a financial road-map for each client
Over 20 years experience working with clients
Former teacher with a strong belief in education and clarity BS in Psychology from California State University at Long Beach; lifetime teaching credentials from University of California, Santa Barbara
President of the Community Memorial Healthcare Foundation and member of the Board of Trustees
Supporter of Casa Pacifica, Women’s Economic Ventures, the Ventura Music Festival, Ventura Botanical Gardens and other community based organizations
Lydia’s background reflects her wealth management style; it includes a combination of educational training and professional experience. She has spent over 24 years working with clients to help them find a balance between financial security, health and quality of life. Before that, she spent the first part of her career as a teacher. She began working in her family business in her early teens.
Lydia earned a Bachelor of Science degree in Psychology from California State College at Long Beach, and later her lifetime teaching credential from the University of California at Santa Barbara.
Lydia is president of the Community Memorial Healthcare Foundation and on the Board of Trustees of the Community Memorial Healthcare System. She is also an active supporter of Casa Pacifica, Women’s Economic Ventures, The Ventura Music Festival, Ventura Botanical Gardens, and The Museum of Ventura County Collector’s Council. She has resided in Ventura for over 47 years with her family which includes sons Ben and Daniel, and grandchildren Phoebe and Jacob.
Professional Details
Founder of the Hopps Group and leader of our wealth management team that helps create a financial road-map for each client
Over 20 years experience working with clients
Former teacher with a strong belief in education and clarity BS in Psychology from California State University at Long Beach; lifetime teaching credentials from University of California, Santa Barbara
President of the Community Memorial Healthcare Foundation and member of the Board of Trustees
Supporter of Casa Pacifica, Women’s Economic Ventures, the Ventura Music Festival, Ventura Botanical Gardens and other community based organizations
Securities Agent: MI, WA, UT, AL, TX, TN, PA, OR, OH, NY, NV, NM, MT, MO, ME, MD, MA, LA, KY, KS, ID, HI, GA, FL, DE, DC, CO, CA, AZ, AK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1298014
NMLS#: 1298014
About Benjamin Hopps
Ben uses his analytical skills and financial training to help clients address their needs, particularly in the areas of capital preservation, liquidity, access to lending services, cash management and investments.
Ben has spent the over 18 years working at Morgan Stanley. Prior to that, he worked as a mechanical engineer in the aerospace industry, helping plan and execute rocket launches, among other things. He earned a degree in Mechanical Engineering from California Polytechnic University San Luis Obispo, and later received his Certified Financial Planning degree from American College.
Ben is passionately involved in his community. He was a board member on The Starkey Hearing Foundation for 10 years and is a supporter of Casa Pacifica. Ben and his wife Sandra attended Buena High School together and have been married for over 21 years.
Professional Details
Applies analytics to wealth management for clients
Focuses on capital preservation, liquidity, access to lending, cash management and investments
Over 15 years experience in financial services at Morgan Stanley
Trained aerospace engineer with experience in planning and executing rocket launches
Degree in Mechanical Engineering from California Polytechnic University at San Luis Obispo
CERTIFIED FINANCIAL PLANNER™ designation from American College
Ben has spent the over 18 years working at Morgan Stanley. Prior to that, he worked as a mechanical engineer in the aerospace industry, helping plan and execute rocket launches, among other things. He earned a degree in Mechanical Engineering from California Polytechnic University San Luis Obispo, and later received his Certified Financial Planning degree from American College.
Ben is passionately involved in his community. He was a board member on The Starkey Hearing Foundation for 10 years and is a supporter of Casa Pacifica. Ben and his wife Sandra attended Buena High School together and have been married for over 21 years.
Professional Details
Applies analytics to wealth management for clients
Focuses on capital preservation, liquidity, access to lending, cash management and investments
Over 15 years experience in financial services at Morgan Stanley
Trained aerospace engineer with experience in planning and executing rocket launches
Degree in Mechanical Engineering from California Polytechnic University at San Luis Obispo
CERTIFIED FINANCIAL PLANNER™ designation from American College
Securities Agent: KY, LA, MA, MD, ME, MI, MO, MT, AL, WA, UT, TX, TN, PA, OR, OH, NY, NV, NM, AK, AZ, CA, CO, DC, DE, FL, GA, HI, ID, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301099
NMLS#: 1301099
About Jason Whited
Jason T. Whited
Registered Associate
Jason Whited is a registered associate with the Hopps Group. He has 11 years of experience in the Financial Services industry and has been with Morgan Stanley since 2018.
Jason is an integral member of the team due to his enhancements of the client experience and level of service they can expect to receive. His primary responsibilities include ensuring each client receives dedicated support, streamlining of administrative and operational tasks, and assisting in the safeguarding of client assets. Along with Jason’s operational support, he has an emphasized focus on client education which has been essential with helping clients understand the digital technology available to them at the firm.
Despite Jason’s many professional commitments, he still manages to be a dedicated husband and father. Jason is married to his wife of nine years, Melanie, and has one daughter, Scarlett. The Whited’s currently reside in Ventura, CA and Jason takes pride in being a lifelong Ventura County resident.
Jason received his Bachelor’s degree in Political Science from the University of California, Santa Barbara in 2009 and completed the Personal Financial Planning Certificate Program at UCLA in 2017. He is a holder of the Series 6, Series 7, Series 63, and Series 65 FINRA professional licenses.
Registered Associate
Jason Whited is a registered associate with the Hopps Group. He has 11 years of experience in the Financial Services industry and has been with Morgan Stanley since 2018.
Jason is an integral member of the team due to his enhancements of the client experience and level of service they can expect to receive. His primary responsibilities include ensuring each client receives dedicated support, streamlining of administrative and operational tasks, and assisting in the safeguarding of client assets. Along with Jason’s operational support, he has an emphasized focus on client education which has been essential with helping clients understand the digital technology available to them at the firm.
Despite Jason’s many professional commitments, he still manages to be a dedicated husband and father. Jason is married to his wife of nine years, Melanie, and has one daughter, Scarlett. The Whited’s currently reside in Ventura, CA and Jason takes pride in being a lifelong Ventura County resident.
Jason received his Bachelor’s degree in Political Science from the University of California, Santa Barbara in 2009 and completed the Personal Financial Planning Certificate Program at UCLA in 2017. He is a holder of the Series 6, Series 7, Series 63, and Series 65 FINRA professional licenses.
About Adam Biederman
Adam Biederman was born and raised in sunny Santa Barbara, California. At Pepperdine University he juggled a double major in Economics and Creative Writing. He's been married for 5 years to Meghan, and has his hands full with two daughters, Shiloh and Elliana.
Contact Lydia Hopps
Contact Benjamin Hopps
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
Drew Zager
Managing Director, Private Wealth Management, Private Wealth Advisor
Robert Lord
Executive Director, Private Wealth Advisor, Lending Specialist, Alternative Investments Director
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
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
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Hopps 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.
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.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
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.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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), 3582895 (6/2024)
