Phone:
(301) 941-0383(301) 941-0383
The River Falls Group at Morgan Stanley
Direct:
(301) 657-6300(301) 657-6300
Toll-Free:
(800) 455-6622(800) 455-6622
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
Our Story
In a world undergoing dynamic political and economic changes, it is imperative that your financial concerns come first. Our team provides you, your family, and your business with the attention and tools needed to navigate these times by addressing all aspects of your financial well-being. Please contact our team today so that we may begin our work together towards your personal plan of action.
Services Include
- 401(k) Rollovers
- Asset Management
- Business PlanningFootnote1
- Divorce Financial AnalysisFootnote2
- Endowments and FoundationsFootnote3
- Estate Planning StrategiesFootnote4
- Lending Products
- Life InsuranceFootnote5
- Long Term Care InsuranceFootnote6
- Planning for Education FundingFootnote7
- Professional Portfolio ManagementFootnote8
- SyndicateFootnote9
- Trust AccountsFootnote10
- Wealth ManagementFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Financial Plan Made For You
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
Using a suite of tools that includes goal-specific analysis, we can work together to create a strategy that integrates the various aspects of your financial life. The following resources below will introduce you to a few of the tools that we use.
Using a suite of tools that includes goal-specific analysis, we can work together to create a strategy that integrates the various aspects of your financial life. The following resources below will introduce you to a few of the tools that we use.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView Client Profile FormGoals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Click to learn moreSpending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool TodayRetirement Planning
It's important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.
Explore potential optionsStrategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
View Tax-Aware Strategies HereWorking With You
Our group believes that true service is more than just providing investment advice and recommending products. We view our clients as valued members of a financial family and we are proud to serve as trusted confidants for all matters of their lives. We will help you address needs across many areas of finance to see your goals come to fruition.
Retirement Plans - 401(k)
Many companies offer a 401(k) plan to help their employees save for retirement. This is a convenient and powerful retirement planning vehicle that helps you invest early and automatically. The earlier you start, the more opportunity you'll have to grow your investments.
The Benefits of a 401(k)
Life Insurance
Life Insurance may be a powerful tool for investors when applied in the context of other strategic decisions. The Life Insurance Toolkit compares and contrasts general features of life insurance products to highlight the differentiating characteristics and benefits.
Banking - CashPlus Account
A modern alternative to banking, the Morgan Stanley CashPlus Account helps you manage your cash needs while potentially avoiding monthly account fees by meeting certain deposit and other qualifying criteria.
CashPlus Account Features
Lending - Liquidity Access Line
A Liquidity Access Line allows you to use the eligible securities in your investment account(s) as collateral for a line of credit. You can finance real estate purchases, fund tax obligations, cover business expenses or a variety of other financing needs.
The Benefits of a Liquidity Access Line
Annuities
As your Financial Advisors, we will provide holistic financial advice to incorporate assets that help you meet your financial goals. Should Annuities be a suitable investment for you, they offer unlimited contributions, tax-deferred growth, and flexible income options.
Staying Safe in a Digital World
As the threat of cybercrime intensifies, your digital safety has never been more critical. Consider these ways to bolster your cyber defenses. And explore investment opportunities in the fast-growing cybersecurity sector.
The Top Cybersecurity Terms You Need to Know
When it comes to cybersecurity, knowledge is your first line of defense. Here’s a list of common terms to make it easier for you to comprehend the reports or articles you come across and give you the opportunity to react quickly to threats.
Learn More
Maintain Good Cybersecurity Habits
Whether it’s strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to help reduce the threat of identity theft, online scams, malware, fraud and more.
Learn More
Password Management
The weakest link in your cybersecurity set-up may also be the most overlooked aspect: your passwords.
Learn More
Dealing with Cyber Threats: The Evolution of Authentication
Over the years, cybercriminals have become more sophisticated and employed increasingly complex ways to commit account fraud. Multi-Factor Authentication (MFA) provides additional verification—beyond your username and password.
Learn MoreStay Updated on Emerging Topics
On The Markets Research Report
Detailed collections of timely market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
See the Latest Report
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Morgan Stanley Research Reports
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Latest Insights
Morgan Stanley Podcasts
Listen to Morgan Stanley's award-winning podcasts, featuring daily market analysis, human stories of insight and innovation, and in-depth conversations around equity, entrepreneurship and sustainability.
Listen to the Latest PodcastsLocation
7500 Old Georgetown Rd
10th Fl
Bethesda, MD 20814
US
Direct:
(301) 657-6300(301) 657-6300
Toll-Free:
(800) 455-6622(800) 455-6622
Fax:
(240) 392-3929(240) 392-3929
Meet The River Falls Group
Phone:
(301) 657-6348(301) 657-6348
Phone:
(301) 657-6342(301) 657-6342
About Richard E Horn
Richard Horn is a Senior Vice President, Portfolio Manager and Financial Advisor with the River Falls Group at Morgan Stanley. Having seen the business first-hand from his father, a former stockbroker on Wall Street, Rich is confident in his ability to advise his clients about trends in the capital markets and the suitability of various investment vehicles within their portfolio. Rich is responsible for investing large asset accounts with a focus on capital appreciation and preservation.
Rich got his start in New York City in 1987 upon earning his B.A. in Literature from George Washington University. After moving his practice to Potomac, MD in 1995, Rich cultivated strong relationships with his clients and their families, as well as with businesses and hedge funds focusing on individual equity transactions throughout the country. Rich is confident in his team’s diverse background and skill sets, which offers clients a hybrid model of services based on what works and fits for each respective client. The team’s flexibility in recommending individual equities and/or a managerial consulting platform is a system that allows Rich and his team to service a plethora of clients that have various financial and life goals.
Rich resides in Potomac, Maryland with his wife, whom he has three children with. In his spare time, Rich loves to exercise, read up on the equity markets, spend time with family, and try different restaurants in his local area with family and friends.
Rich got his start in New York City in 1987 upon earning his B.A. in Literature from George Washington University. After moving his practice to Potomac, MD in 1995, Rich cultivated strong relationships with his clients and their families, as well as with businesses and hedge funds focusing on individual equity transactions throughout the country. Rich is confident in his team’s diverse background and skill sets, which offers clients a hybrid model of services based on what works and fits for each respective client. The team’s flexibility in recommending individual equities and/or a managerial consulting platform is a system that allows Rich and his team to service a plethora of clients that have various financial and life goals.
Rich resides in Potomac, Maryland with his wife, whom he has three children with. In his spare time, Rich loves to exercise, read up on the equity markets, spend time with family, and try different restaurants in his local area with family and friends.
Securities Agent: CT, PA, VA, OR, CO, MI, IN, NC, NM, DE, WV, MD, MT, ME, VI, FL, MO, LA, NV, UT, CA, DC, KS, OH, NY, WY, MN, OK, WA, TX, NJ, GA, MA, IL, SC, AL, AZ, ID, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1288398
NMLS#: 1288398
About Jeffrey M Deckelbaum
Jeffrey Deckelbaum is a Vice President, Portfolio Manager, Chartered Retirement Plan SpecialistSM, and Financial Advisor with The River Falls Group at Morgan Stanley. Jeff is dedicated to helping professionals, families, and business leaders solve their financial challenges and achieve their goals. His results-driven approach emphasizes the value of planning along with prudent diversification and risk diligence within client portfolios.
Jeff’s passion for wealth management was honed upon his arrival at the University of Maryland, College Park where he earned his degree in Economics. Jeff joined Morgan Stanley in 2006 and has been with the firm and its predecessors ever since, working with clients to help build and preserve their wealth over time to provide clarity and confidence throughout their lives.
Jeff currently resides in Bethesda with his wife and two children. Jeff enjoys spending time with his family, working out, and cheering on his Ravens and Orioles.
Jeff’s passion for wealth management was honed upon his arrival at the University of Maryland, College Park where he earned his degree in Economics. Jeff joined Morgan Stanley in 2006 and has been with the firm and its predecessors ever since, working with clients to help build and preserve their wealth over time to provide clarity and confidence throughout their lives.
Jeff currently resides in Bethesda with his wife and two children. Jeff enjoys spending time with his family, working out, and cheering on his Ravens and Orioles.
Securities Agent: PA, NC, NY, NM, ID, KS, WV, CT, CO, WA, OH, TN, UT, VI, MO, DC, TX, MT, GA, WY, FL, IN, LA, VA, MD, SC, ME, OR, OK, MI, AZ, NV, NJ, MN, MA, IL, DE, CA, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1253041
NMLS#: 1253041
About Gerald Horn
Gerald Horn is a Financial Advisor with the River Falls Group at Morgan Stanley. As a third generation Financial Advisor with the firm, Gerald has spent his whole life immersed in the world of equity markets and personal finance. This has led to his passion for his work, helping clients protect their capital and reach their retirement goals.
Gerald started at Morgan Stanley as a Client Service Associate in 2018 after earning his Economics degree from the University of Maryland. Prior to attending UMD, Gerald graduated from the Bullis School in Potomac, MD. He switched roles and joined the River Falls Group as a Financial Advisor in 2022, bringing the knowledge learned and years of experience earned from the administrative side of the business to ensure his clients are given the service they deserve.
Gerald also brings both equity market knowledge and financial planning experience to the team, helping ensure that the hybrid model of services the team employs makes sense for each of his clients.
Gerald resides in Washington, DC. In his spare time, Gerald loves to play basketball, read up on current events, explore DC with friends, and visit his family in Potomac, MD.
Gerald started at Morgan Stanley as a Client Service Associate in 2018 after earning his Economics degree from the University of Maryland. Prior to attending UMD, Gerald graduated from the Bullis School in Potomac, MD. He switched roles and joined the River Falls Group as a Financial Advisor in 2022, bringing the knowledge learned and years of experience earned from the administrative side of the business to ensure his clients are given the service they deserve.
Gerald also brings both equity market knowledge and financial planning experience to the team, helping ensure that the hybrid model of services the team employs makes sense for each of his clients.
Gerald resides in Washington, DC. In his spare time, Gerald loves to play basketball, read up on current events, explore DC with friends, and visit his family in Potomac, MD.
Securities Agent: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, LA, MA, MD, ME, MI, MN, MT, NJ, NM, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WV, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 2392816
CA Insurance License #: 4222096
NMLS#: 2392816
CA Insurance License #: 4222096
Contact Richard E Horn
Contact Jeffrey M Deckelbaum
Contact Gerald Horn
Wealth Management
From Our Team
TAX SEASON IS HERE. HOW HAVE YOUR FINANCES CHANGED?
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
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 River Falls Group today.
1Morgan 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.
2Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
8Morgan 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.
9Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
10Morgan 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.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
2Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
8Morgan 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.
9Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
10Morgan 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.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
