Jay Keranen, CFP®
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director
Phone:
(248) 258-2657(248) 258-2657
The Hunter Boulevard Group at Morgan Stanley
Direct:
(248) 258-2657(248) 258-2657
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
Our Story & Services
The Hunter Boulevard Group is an experienced wealth management team, focused on delivering best in class service to our clients. We serve the wealth management needs of accomplished families, business owners, and emerging wealth clients.
Our scale allows us to properly invest the necessary time to implement customized financial solutions on three core principles.
I. Personalized Solutions:
- Provide high-touch service for a limited number of families, helping ensure we are always accessible and responsive to our client’s needs
- Build specialized solutions for wealthy families based on their specific goals and desires
- Provide regular, proactive communication, making the complex simple to understand
II. Innovative Investment Approach:
- Unique investment approach that combines traditional and non-traditional investment solutions to help clients navigate complex financial markets
- Exclusive access to specialized solutions and unique investment opportunities
- Access to additional firm resources to help clients solve complicated problems
III. Experienced Team:
-Knowledgeable advice from experienced, accredited professionals who can handle complex financial situations for clients
- Focused on affluent families, business owners and executives, as well as emerging wealth and complex situation segments
- Provide thorough education to help clients make the best investment choices
Focusing on these three core principles gives our group a vested interest in delivering a financial and investment plan that is tailored to our client’s needs.
Our scale allows us to properly invest the necessary time to implement customized financial solutions on three core principles.
I. Personalized Solutions:
- Provide high-touch service for a limited number of families, helping ensure we are always accessible and responsive to our client’s needs
- Build specialized solutions for wealthy families based on their specific goals and desires
- Provide regular, proactive communication, making the complex simple to understand
II. Innovative Investment Approach:
- Unique investment approach that combines traditional and non-traditional investment solutions to help clients navigate complex financial markets
- Exclusive access to specialized solutions and unique investment opportunities
- Access to additional firm resources to help clients solve complicated problems
III. Experienced Team:
-Knowledgeable advice from experienced, accredited professionals who can handle complex financial situations for clients
- Focused on affluent families, business owners and executives, as well as emerging wealth and complex situation segments
- Provide thorough education to help clients make the best investment choices
Focusing on these three core principles gives our group a vested interest in delivering a financial and investment plan that is tailored to our client’s needs.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
While all client situations are unique, the Wealth Planning Process consists of the following basic steps:
1. Introduction
Getting to know you:
Our relationship begins with an initial meeting aimed towards getting to know you, your lifestyle, and your future goals
Our relationship begins with an initial meeting aimed towards getting to know you, your lifestyle, and your future goals
2. Discovery
Identifying your values and goals:
- Family
- Risk Tolerance
- Financial Milestones
- Family
- Risk Tolerance
- Financial Milestones
3. Financial Plan
Creating a plan or you:
- Financial plan presentations map out essential factors that play into your financial success
- We cover items such as: stock based compensation, liquidity events, and insurance coverage
- Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan
- Financial plan presentations map out essential factors that play into your financial success
- We cover items such as: stock based compensation, liquidity events, and insurance coverage
- Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan
4. Analysis & Recommendations
Helping you build an action plan:
- Identifying liabilities and risks
- Full balance sheet analysis
- Action plan-growth, preservation and/or wealth transfer
- Identifying liabilities and risks
- Full balance sheet analysis
- Action plan-growth, preservation and/or wealth transfer
5. Monitoring
Ongoing evaluation and reporting:
- Track progress toward goals
- Set/ follow guidelines for liquidity, asset allocation
- Notification when portfolio strays outside guidelines
- Performance reporting
- Online access
- Track progress toward goals
- Set/ follow guidelines for liquidity, asset allocation
- Notification when portfolio strays outside guidelines
- Performance reporting
- Online access
6. Performance Tracking
Ongoing performance tracking:
- Consistently monitoring your investment to help ensure performance is meeting our financial expectations
- Maintain high standard of service with you to address all concerns and requests
- Consistently monitoring your investment to help ensure performance is meeting our financial expectations
- Maintain high standard of service with you to address all concerns and requests
OUR RELATIONSHIP WITH YOU BEGINS WITH A CONVERSATION
We’ll talk about your business, your family, and your goals. We’ll explore topics such as liquidity needs, lifetime income needs, your philanthropy, and the legacy you wish to leave. Only after we have a deep understanding of what is important and meaningful in your life do we begin to talk about wealth management. The better we know you as a person, the greater the opportunity for your long-term success.
Equally important is for you to learn about us. Having shared values is the foundation for a successful relationship. Trust, integrity, and transparency are the principles on which we build lifelong relationships. You will always know where you stand in relation to your objectives. Our work with you is collaborative. We especially enjoy the coaching and teaching that we feel goes hand-in-hand in managing your wealth, taking time to ensure you are comfortable with the strategy and investment decisions. Your success is our success.
Equally important is for you to learn about us. Having shared values is the foundation for a successful relationship. Trust, integrity, and transparency are the principles on which we build lifelong relationships. You will always know where you stand in relation to your objectives. Our work with you is collaborative. We especially enjoy the coaching and teaching that we feel goes hand-in-hand in managing your wealth, taking time to ensure you are comfortable with the strategy and investment decisions. Your success is our success.
Family Office Services
Our team offers access to an extensive suite of services needed to help highly affluent families manage the complex multigenerational challenges of managing significant wealth. We integrate investment management with all other aspects of wealth planning while providing concierge services and personalized care for your family. We coordinate with your external advisors (attorneys, accountants, trust officers, insurance providers, property managers, household staff, etc.) to provide active and strategic planning as well as management of daily actionable administrative needs.
Estate Planning Strategies
Building, protecting, and passing on a legacy involves much more than investing wisely. It requires a careful analysis and an integrated, strategic approach to planning and implementation. Our goal is to help you protect and grow the wealth you have created, and to help you and your family maintain unity as you pass both assets and values across generations.
Retirement Planning
- Income Strategies
- Corporate Retirement Plans
- Pension Analysis
- 401(k) Rollovers
- Corporate Retirement Plans
- Pension Analysis
- 401(k) Rollovers
Tax and Risk Management
- Tax-Efficient Investing
- Concentrated Stock Analysis & Strategies
- 10b5-1 Plans
- Diversification Strategies
- Concentrated Stock Analysis & Strategies
- 10b5-1 Plans
- Diversification Strategies
Donor Advised Funds
Charitable giving is among the highest of human aspirations, woven into the fabric or organizations, countries, and societies around the world. While many individuals and families have a deep commitment to philanthropy, charitable giving is not limited to those with significant wealth. A well-structured charitable plan can provide benefits to the causes you care about for generations to come. Donor advised funds are among the easiest and most tax-advantaged ways to give to charity for donors across the spectrum of wealth.
Cash Management & Lending
We recognize that clients and their families have unique needs that require dedicated experience and capabilities. Our goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.
Location
34901 Woodward Ave
Ste 300
Birmingham, MI 48009
US
Direct:
(248) 258-2657(248) 258-2657
Meet The Hunter Boulevard Group
Joseph Michalak
First Vice President, Wealth Management, Financial Advisor
Phone:
(248) 593-7557(248) 593-7557
George Hamaty
Wealth Management Associate
Phone:
(248) 258-1780(248) 258-1780
Laura Smith
Senior Registered CSA
Phone:
(248) 988-2384(248) 988-2384
About Jay Keranen
With a passion for empowering individuals to achieve financial success, Jay has dedicated over three decades to enhancing financial literacy and guiding clients through the complexities of investment strategies. A graduate of Michigan State University with a bachelor's degree in finance, Jay entered the financial services industry in 1992, driven by a fascination with the financial markets and a desire to help others navigate their financial journeys.
Since joining Morgan Stanley in 1997, Jay has honed a deep understanding of client psychology and decision-making processes. This insight allows him to educate clients effectively about their investment goals and tailor strategies that can align with their unique aspirations.
Holding certifications as a Certified Financial Planner™ (CFP®) and Family Wealth Director, Jay combines technical insight with a client-centered approach, seeking to ensure that every individual receives the personalized guidance they need to help thrive in today’s financial landscape.
Jay is a long time member of Michigan State University Broad School Finance Department Advisory Board. In this position, he helps advise professors and students about the "real world" application of investment finance.
Jay enjoys spending time with family, his wife Trish and their two children, Charles and Ava. He is an avid golfer, skier, and sports car driver, and a member of the Oakland Hills Country Club.
Since joining Morgan Stanley in 1997, Jay has honed a deep understanding of client psychology and decision-making processes. This insight allows him to educate clients effectively about their investment goals and tailor strategies that can align with their unique aspirations.
Holding certifications as a Certified Financial Planner™ (CFP®) and Family Wealth Director, Jay combines technical insight with a client-centered approach, seeking to ensure that every individual receives the personalized guidance they need to help thrive in today’s financial landscape.
Jay is a long time member of Michigan State University Broad School Finance Department Advisory Board. In this position, he helps advise professors and students about the "real world" application of investment finance.
Jay enjoys spending time with family, his wife Trish and their two children, Charles and Ava. He is an avid golfer, skier, and sports car driver, and a member of the Oakland Hills Country Club.
Securities Agent: KS, IL, AR, WI, NV, KY, DC, WA, PR, LA, NJ, MO, MI, GA, CA, AZ, SC, PA, OR, OH, NE, CT, CO, AL, NY, MA, IN, VA, UT, TX, MN, DE, OK, NC, MD, FL; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285125
NMLS#: 1285125
About Joseph Michalak
As a dedicated financial advisor with over 3 decades of experience, Joe is honored to bring tailored strategies to high-net-worth families. Joe's journey began in management, where he spent many years solving complex issues for top clients and advisors. This invaluable experience laid the foundation for his transition to a full-time advisory role nearly 15 years ago, where he continues to leverage his skills to serve his clients with dedication and insight.
The Hunter Boulevard Group is intentionally limited in scope, allowing the team to focus on a select number of high-net-worth families. This personalized approach enables them to deeply understand each client's unique financial situation, recommend strategies, and deliver exceptional service. With over 60 years of combined experience, The Hunter Boulevard group is committed to delivering on the timeless Morgan Stanley motto of "First Class Business in a First Class Way."
Having entered the financial industry in 1991 and joined Morgan Stanley as a manager in 2000, Joe has built a career dedicated to excellence. Outside of his professional life, Joe is passionate about competitive golf and supporting educational opportunities for underprivileged youth through organizations like Folds of Honor and the Birmingham Employee Scholarship Trust. He is also a proud member of the Birmingham Country Club.
Joe and his wife Kristine have one child, Jordan. In his free time he enjoys golf, travel and spending time with family and friends.
The Hunter Boulevard Group is intentionally limited in scope, allowing the team to focus on a select number of high-net-worth families. This personalized approach enables them to deeply understand each client's unique financial situation, recommend strategies, and deliver exceptional service. With over 60 years of combined experience, The Hunter Boulevard group is committed to delivering on the timeless Morgan Stanley motto of "First Class Business in a First Class Way."
Having entered the financial industry in 1991 and joined Morgan Stanley as a manager in 2000, Joe has built a career dedicated to excellence. Outside of his professional life, Joe is passionate about competitive golf and supporting educational opportunities for underprivileged youth through organizations like Folds of Honor and the Birmingham Employee Scholarship Trust. He is also a proud member of the Birmingham Country Club.
Joe and his wife Kristine have one child, Jordan. In his free time he enjoys golf, travel and spending time with family and friends.
Securities Agent: NV, PA, IN, GA, CA, SC, NM, AZ, AL, WI, OR, OH, NJ, MI, MD, IL, TX, NE, MO, FL, CO, VA, NY, MN, CT, AR, PR, NC, KS, DC, WA, ME, MA, LA, KY, DE, UT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285151
NMLS#: 1285151
About George Hamaty
George Hamaty is a Wealth Management Associate with the Hunter Boulevard Group at Morgan Stanley. He has 6 years of experience in the financial services industry and has been with the firm since 2022. Before joining the Hunter Boulevard Group, George was a Private Banker at J.P. Morgan serving high-net-worth individuals and families.
George was drawn to working with the Hunter Boulevard Group because of the team’s long track record of helping clients execute on their financial plans through teamwork and customized investment strategies. His background in helping high-net-worth families build and preserve capital for future generations has deepened the team’s existing and new clientele.
George earned his bachelor’s degree in finance from the Eli Broad College of Business at Michigan State University. He holds the General Securities Representative License (Series 7), as well as the Uniform Combined State Law License (Series 66).
Outside of the office, George enjoys golf, tennis, hockey, and above all else spending time with family and friends. He tries to get to Northern Michigan whenever the opportunity arises.
George was drawn to working with the Hunter Boulevard Group because of the team’s long track record of helping clients execute on their financial plans through teamwork and customized investment strategies. His background in helping high-net-worth families build and preserve capital for future generations has deepened the team’s existing and new clientele.
George earned his bachelor’s degree in finance from the Eli Broad College of Business at Michigan State University. He holds the General Securities Representative License (Series 7), as well as the Uniform Combined State Law License (Series 66).
Outside of the office, George enjoys golf, tennis, hockey, and above all else spending time with family and friends. He tries to get to Northern Michigan whenever the opportunity arises.
Contact Jay Keranen
Contact Joseph Michalak
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Hunter Boulevard Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
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 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
8When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
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 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
8When 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.
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)
