Senior Vice President, Wealth Management, Financial Advisor, Investment Management Consultant, Senior Portfolio Management Director, Insurance Planning Director
Phone:
(212) 643-5726(212) 643-5726
The Hudson York Group at Morgan Stanley
The Hudson York Group
The Hudson York Group at Morgan Stanley is a team of dedicated professionals who provides comprehensive wealth management services to high net worth individuals, families, and foundations globally. With specific focuses on technological innovators, attorneys, professionals, and entrepreneurs, our diverse practice is well-equipped to help you address the challenges and complexities of growth and wealth preservation.
As Financial Advisors, we strive to present you with investment opportunities that will help you fully achieve your financial objectives. We will work with you to help you grow and preserve your wealth, relying on the insights of seasoned investment professionals, a premier trading and execution platform, and a full spectrum of investment choices. Having served many high net worth clients for more than 18 years, with combined experience of over 40 years on the team, The Hudson York Group focuses on providing sound financial advice and customized investment strategies based on each client’s specific needs.
As Financial Advisors, we strive to present you with investment opportunities that will help you fully achieve your financial objectives. We will work with you to help you grow and preserve your wealth, relying on the insights of seasoned investment professionals, a premier trading and execution platform, and a full spectrum of investment choices. Having served many high net worth clients for more than 18 years, with combined experience of over 40 years on the team, The Hudson York Group focuses on providing sound financial advice and customized investment strategies based on each client’s specific needs.
Services Include
- 529 PlansFootnote1
- AnnuitiesFootnote2
- Asset Management
- Cash ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Executive Financial ServicesFootnote5
- Lending Products
- 401(k) Rollovers
- Alternative InvestmentsFootnote6
- Financial PlanningFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Retirement PlanningFootnote10
- Sustainable InvestingFootnote11
- Structured ProductsFootnote12
- Trust AccountsFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
As Financial Advisors, we strive to present our clients with investment opportunities that will help them fully achieve their financial objectives. We work to help our clients grow and preserve their wealth, relying on the insights of seasoned investment professionals, a premier trading and execution platform, and a full spectrum of investment choices. Having served many high net worth clients for more than 18 years, The Hudson York Group focuses on providing sound financial advice and customized investment strategies based on each client’s specific needs.
1. Introduction
We begin with a conversation to understand your concerns and determine how we can add value. Since not every advisor is a good match for every client, we introduce you to our approach and share our fee structure. If we all agree to move forward, we schedule our next meeting and request important financial information.
2. Discovery
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis and Plan Development
Here, we utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow, preserve and transfer your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
4. Plan Presentation
In this step, we present your financial plan that includes an investment portfolio that aligns your investments with your goals, your timeframe and your risk level. We also discuss other wealth management solutions that may include risk management techniques and estate planning strategies.
5. Plan Implementation
Upon your approval of our recommendations, we begin to implement the strategies outlined in the plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, we walk you through the details of your new statement and introduce all of the tools and resources now available to you.
6. Ongoing Service and Care
Committed to a first-class experience, we focus on developing longstanding relationships that can provide value to you and your family. We speak with you regularly to provide updates on your accounts. We also monitor progress towards each of your goals, adjusting your financial plan accordingly as changes in your life occur with quarterly meetings.
Digital Tools Available to You
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.
Morgan Stanley Online
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Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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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.
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Goal-Based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
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2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Source: Forbes.com (2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
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The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
2024 Federal Tax Table
In 2024, the IRS has implemented adjustments to the Federal Tax Table to account for inflation. To learn more about the change, click here.
2024 Tax Table
Tax-Efficient Strategies
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life
Guide to Tax-Efficient Planning
Retirement Planning
Retirement planning is more than making the right investments. Align your financial goals to your lifestyle, today and all the days that follow. Learn how I can help you meet your retirement savings challenges with customized financial solutions.
View More Retirement Insights
Education Planning
529 Plans offer a tax-advantaged way to help save for education. Depending on the specific plan, you can choose from a range of investment strategies appropriate to your specific needs, objectives and time frame. I offer valuable experience to help you incorporate an education savings plan into your overall investment strategy – while helping to minimize your tax liability and maintain your current lifestyle and long-term financial goals.
More on Education Planning
Charitable Giving
Morgan Stanley charitable giving allows for a smart way to give to causes you care about. It is a simple, thoughtful, and tax-advantageous way to support your favorite charities.
Guide to Charitable Giving
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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The GIC Weekly
The Global Investment Committee's (GIC) Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest GICLocation
1 Penn Plaza 43rd
Fl
New York, NY 10119
US
Direct:
(212) 643-5726(212) 643-5726
Meet The Hudson York Group
Phone:
(212) 643-5711(212) 643-5711
Michelle Ashley Hart
Phone:
(212) 643-5898(212) 643-5898
Shaun Bensol
Client Service Associate
Phone:
(212) 613-6810(212) 613-6810
Viktoriya Scott
Business Development Director, Client Service Associate
Phone:
(212) 643-5710(212) 643-5710
Janet Perri
Client Service Associate
Phone:
(212) 643-5775(212) 643-5775
About Jonathan Rynsky
Jonathan brings over 20 years of experience within the Financial Services Industry and manages the execution of The Hudson York Groups model portfolios.
Jonathan previously worked as Vice President at both JP Morgan Securities and Chase Investment Services Corp where he advised clients within the Private Wealth Management division.
Licenses held: Series 7, 63, 65, Life Insurance.
Jonathan holds a Bachelor's Degree in Communications and Broadcasting from University of Rhode Island.
Jonathan previously worked as Vice President at both JP Morgan Securities and Chase Investment Services Corp where he advised clients within the Private Wealth Management division.
Licenses held: Series 7, 63, 65, Life Insurance.
Jonathan holds a Bachelor's Degree in Communications and Broadcasting from University of Rhode Island.
Securities Agent: MD, IL, GA, CT, WY, MO, NY, NC, LA, AZ, WA, ID, DE, DC, ND, MA, FL, CA, VT, NH, KS, WI, VA, TX, IN, HI, CO, SC, PA, UT, NV, NJ, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 530346
NMLS#: 530346
About Seth Hart
Seth is a Senior Vice President and Family Wealth Advisor at The Hudson York Group at Morgan Stanley. Growing up, Seth was very curious about stocks and understood it was a great way to build a net worth. Because of this early knowledge, Seth enjoys helping simplify investing and financial planning to educate people about the benefits.
Seth graduated from the SUNY Oneota with a B.S. degree in Business Economics and now has over 30 years in the industry and more than a decade at Morgan Stanley. Seth has built his business by helping actively listening clients’ individual needs to really try to understand a client’s ability to assume risk. His approach is centered around customization: actively listening to client’s individual needs and building each portfolio based upon their unique situation. It's critical to understand a client’s ability to assume risk and stick with a long-term plan.
Outside of work, Seth is very involved in his Woodbury community. He has many relationships with both business and political leaders in his community and spent many years coaching and mentoring local youth. Outside of work, Seth enjoys traveling with his wife, Michelle, and their two sons.
Seth graduated from the SUNY Oneota with a B.S. degree in Business Economics and now has over 30 years in the industry and more than a decade at Morgan Stanley. Seth has built his business by helping actively listening clients’ individual needs to really try to understand a client’s ability to assume risk. His approach is centered around customization: actively listening to client’s individual needs and building each portfolio based upon their unique situation. It's critical to understand a client’s ability to assume risk and stick with a long-term plan.
Outside of work, Seth is very involved in his Woodbury community. He has many relationships with both business and political leaders in his community and spent many years coaching and mentoring local youth. Outside of work, Seth enjoys traveling with his wife, Michelle, and their two sons.
Securities Agent: OH, FL, NV, NE, DE, AZ, WV, VT, OR, MO, CA, VA, MT, MN, MI, GA, CT, CO, WY, WI, NM, KY, IN, DC, SC, WA, UT, NJ, NH, IL, TX, MA, RI, NY, MD, PA, NC, ME, KS, HI, ND, LA, ID, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1295650
NMLS#: 1295650
About Michelle Ashley Hart
Securities Agent: HI, FL, WA, MT, DE, KS, CA, TX, NM, ID, AZ, WY, WI, OH, ND, MD, IL, CT, CO, NH, MO, KY, IN, GA, DC, VA, PA, NV, NJ, NC, SC, NY, LA, RI, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1830774
NMLS#: 1830774
About Shaun Bensol
Shaun Bensol brings over 10 years of financial services experience to the team. He is responsible for delivering platinum level client service and working with the financial advisors to develop customized financial planning solutions.
As a fully licensed registered associate, Shaun works with the group to monitor and execute client objectives.
Shaun holds a Bachelor's Degree in communications from the S.I. Newhouse School of Public Communications at Syracuse University.
Licenses held: Series 7, 63, 65, Life & Health Insurance
As a fully licensed registered associate, Shaun works with the group to monitor and execute client objectives.
Shaun holds a Bachelor's Degree in communications from the S.I. Newhouse School of Public Communications at Syracuse University.
Licenses held: Series 7, 63, 65, Life & Health Insurance
About Janet Perri
Janet Perri is a Senior Registered Associate with sixteen years of financial services experience. Janet is responsible for delivering platinum level client service and working with the financial advisors to develop customized financial planning solutions. As a fully licensed registered associate, Janet works with the group to monitor and execute client objectives. She has a Bachelor of Science degree in Business from Nazareth College, Rochester, New York.
Contact Jonathan Rynsky
Contact Seth Hart
Contact Michelle Ashley Hart
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
Abigail Comer
Planning Associate
Managing Director, Wealth Management, Institutional Consulting Director, Corporate Retirement Director, Senior Investment Management Consultant, Senior Portfolio Management Director
Managing Director, Private Wealth Management, Private Wealth Advisor, Stock Plan Director
About Abigail Comer
Abigail Comer is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Abby provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from Vanderbilt University and received the Financial Planning Specialist® designation from the College for Financial Planning. Abby is originally from outside of Philadelphia, PA and currently resides in New York City.
She earned her undergraduate degree from Vanderbilt University and received the Financial Planning Specialist® designation from the College for Financial Planning. Abby is originally from outside of Philadelphia, PA and currently resides in New York City.
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
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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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
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
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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
5 Mistakes to Avoid in Retirement
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Ready to start a conversation? Contact The Hudson York Group today.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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
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 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.
6Alternative 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11The 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.
12Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
13Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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
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 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.
6Alternative 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11The 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.
12Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
13Morgan 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.
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)
