Phone:
(734) 827-0542(734) 827-0542
The Huron Group at Morgan Stanley
Direct:
(734) 827-0542(734) 827-0542
Toll-Free:
(866) 387-6437(866) 387-6437
Our Mission Statement
We at The Huron Group of Morgan Stanley help multi-generational clients and families with custom plans and strategies so they can take a fresh look at their complete financial lives.
A Fresh Look at Your Complete Financial Life
In the cookie-cutter world of financial services, The Huron Group at Morgan Stanley believe it’s time to take a fresh look at what clients can expect from their Financial Advisor. A fresh look at defining your goals. A fresh look at customizing strategies around your specific objectives, time frame and preferences. A fresh look at comprehensive wealth management that includes not just investments but both sides of your personal balance sheet. And a fresh look at the engagement, professionalism and personal service your Financial Advisor provides.
We at The Huron Group of Morgan Stanley believe in functioning as your personal financial coach. Because every financial decision you make affects the ones that follow, our comprehensive strategies include planning, investment management and wide-ranging financial advice and counsel with a personal touch. The Huron Group is committed to helping you make intelligent, thoughtful, strategically driven choices designed to help you reach your goals.
For help in reaching your goals, please contact us TheHuronGroup@MorganStanley.com or 734-827-0542.
We at The Huron Group of Morgan Stanley believe in functioning as your personal financial coach. Because every financial decision you make affects the ones that follow, our comprehensive strategies include planning, investment management and wide-ranging financial advice and counsel with a personal touch. The Huron Group is committed to helping you make intelligent, thoughtful, strategically driven choices designed to help you reach your goals.
For help in reaching your goals, please contact us TheHuronGroup@MorganStanley.com or 734-827-0542.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Business PlanningFootnote4
- Cash ManagementFootnote5
- Professional Portfolio ManagementFootnote6
- Estate Planning StrategiesFootnote7
- Philanthropic Services
- Long Term Care InsuranceFootnote8
- Divorce Financial AnalysisFootnote9
- LGBT+ Planning ServicesFootnote10
- Sustainable InvestingFootnote11
- Alternative InvestmentsFootnote12
- 401(k) Rollovers
- Planning for Education FundingFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Take a Fresh Look at Your Financial Life
At The Huron Group, our goal is to provide each client with possible solutions, informed insight and proactive guidance, so they can live the life they choose. That’s why we want to “take a fresh look” at virtually every aspect of your financial life, from planning to investing and everything in between.
You’ll experience our distinctive approach with your very first conversation with The Huron Group when we talk about your goals. We work with you to help you (and us) understand what you’d like to do with your life. It’s easy to say, for example, “I’d like to retire comfortably,” and that’s a good start. But to make your vision into an actionable goal, we need to dig deeper and ask, “What would you like to retire to?”
Once we’ve identified what you want to do, we can estimate the cost. That gives us a target, which leads to a plan. Why not just select investments we think will earn the greatest return? Because investments come with risk. And unnecessary risk could undermine your overall goals.
That’s one way The Huron Group at Morgan Stanley “takes a fresh look” at your financial life, but it’s just the beginning. We will apply the same expansive thinking to all our recommendations, whether for investing, inheritance investing, philanthropic and estate planning strategies, education planning, or any other area of wealth management.
You’ll experience our distinctive approach with your very first conversation with The Huron Group when we talk about your goals. We work with you to help you (and us) understand what you’d like to do with your life. It’s easy to say, for example, “I’d like to retire comfortably,” and that’s a good start. But to make your vision into an actionable goal, we need to dig deeper and ask, “What would you like to retire to?”
Once we’ve identified what you want to do, we can estimate the cost. That gives us a target, which leads to a plan. Why not just select investments we think will earn the greatest return? Because investments come with risk. And unnecessary risk could undermine your overall goals.
That’s one way The Huron Group at Morgan Stanley “takes a fresh look” at your financial life, but it’s just the beginning. We will apply the same expansive thinking to all our recommendations, whether for investing, inheritance investing, philanthropic and estate planning strategies, education planning, or any other area of wealth management.
Goals We Heard From Clients
Pursue a job with less income but greater personal satisfaction.
Restore and live in a cabin by the lake.
Travel for months at a time.
Move closer to the grandchildren.
Make a serious commitment to a cherished organization.
Give my children and grandchildren a head start (but not too much).
Schedule a meeting with The Huron GroupRestore and live in a cabin by the lake.
Travel for months at a time.
Move closer to the grandchildren.
Make a serious commitment to a cherished organization.
Give my children and grandchildren a head start (but not too much).
Certified Financial Planner™ (CFP ®)
Individuals certified by the Certified Financial Planner™ (CFP®) Board have taken the extra step to show commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional’s ability to help clients achieve their goals.
Judy McCammon holds the CFP® designation.
Judy McCammon holds the CFP® designation.
Financial Planning Brochure: Plan for Your Future
Click here to learn more:Multi-generational planning for you and your family
Some of the most complex wealth management issues revolve around families. Our clients are generally focused on the long-term well being of their families, and want to ensure that their spouse, children and grandchildren are taken care of.
At the Huron Group, we believe in multi-generational planning. For many clients, we work with two or even three generations of a single family. Naturally, the wealth management services and advice we offer to each generation varies with their age and life-stage. But our commitment to every client remains steadfast.
Among our services of note for multi-generational clients:
Financial education: ensuring that subsequent generations understand the important concepts of wealth management.
Family dynamics: helping to unite the family around your objectives.
Wealth transfer: planning and executing a strategy that reflects your time frame, tax obligations and multi-generational goals.
Perhaps most important – we provide the same kind of informed, proactive, caring and comprehensive wealth management for your children and grandchildren as we’ve provided to you. It’s a commitment The Huron Group at Morgan Stanley takes very seriously.
At the Huron Group, we believe in multi-generational planning. For many clients, we work with two or even three generations of a single family. Naturally, the wealth management services and advice we offer to each generation varies with their age and life-stage. But our commitment to every client remains steadfast.
Among our services of note for multi-generational clients:
Financial education: ensuring that subsequent generations understand the important concepts of wealth management.
Family dynamics: helping to unite the family around your objectives.
Wealth transfer: planning and executing a strategy that reflects your time frame, tax obligations and multi-generational goals.
Perhaps most important – we provide the same kind of informed, proactive, caring and comprehensive wealth management for your children and grandchildren as we’ve provided to you. It’s a commitment The Huron Group at Morgan Stanley takes very seriously.
Resources
Our strategy leverages modern wealth tools and cutting-edge technology. Using these tools, we can help you with achieving your financial goals.
Morgan Stanley Online
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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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Morgan Stanley Wealth Management Capabilities
At Morgan Stanley Wealth Management, our Financial Advisors start with you, focusing on your success and remaining committed to helping you grow your wealth and pursue your financial goals.
Wealth Management Brochure
Introduction to Money Saving
An introduction to personal finance with a focus on beginning to build a strong financial foundation. We discuss goal setting, cash flow, budgeting and saving strategies and the power of compounding interest.
Watch the Replay Here
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2001 Commonwealth Blvd
Suite 102
Ann Arbor, MI 48105
US
Direct:
(734) 827-0542(734) 827-0542
Toll-Free:
(866) 387-6437(866) 387-6437
Fax:
(866) 387-6437(866) 387-6437
Meet The Huron Group
Judy McCammon, CFP®, CRPC®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Planning Counselor, Portfolio Manager
Phone:
(734) 827-0532(734) 827-0532
Phone:
(734) 827-0545(734) 827-0545
Reichell Ray
Wealth Management Associate
Phone:
(734) 827-0562(734) 827-0562
About Ernie W Zack
Ernie works with our clients to identify and articulate their goals and create
comprehensive strategies to help achieve them.
His methodology was developed during his 40 years in financial services
and banking. His particular focus is on investment analysis, financial
planning, lending, credit and fixed income investing.
Ernie’s principles are 1) start with a goal, 2) create a plan, 3) stick to the basics, 4) diversify, 5) plan ahead, 6) have a contingency plan.
Ernie earned a B.S. from Central Michigan University, with degrees in Accounting and Finance, and an MBA from Eastern Michigan
University.
He lives in Brighton, MI with his wife. Ernie enjoys lake sports, home construction and remodeling, classic cars and has a passion
for railroad cabooses.
comprehensive strategies to help achieve them.
His methodology was developed during his 40 years in financial services
and banking. His particular focus is on investment analysis, financial
planning, lending, credit and fixed income investing.
Ernie’s principles are 1) start with a goal, 2) create a plan, 3) stick to the basics, 4) diversify, 5) plan ahead, 6) have a contingency plan.
Ernie earned a B.S. from Central Michigan University, with degrees in Accounting and Finance, and an MBA from Eastern Michigan
University.
He lives in Brighton, MI with his wife. Ernie enjoys lake sports, home construction and remodeling, classic cars and has a passion
for railroad cabooses.
Securities Agent: NJ, CA, OK, OH, NM, MA, CT, AZ, WA, ID, WI, MD, KY, TX, TN, SC, MI, CO, ND, NC, MO, VA, HI, GA, OR, PA, FL, NV, MN, KS, NY, IN, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1275780
NMLS#: 1275780
About Judy McCammon
As a member of The Huron Group, Judy focuses in financial planning and portfolio management for individuals and business owners who are preparing for retirement or who are fully retired, the accumulation phase or the retirement income phase of wealth management.
As a CERTIFIED FINANCIAL PLANNER™ (CFP®) Judy has submitted to the rigorous CFP certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones, along with her over 20 years of experience in financial planning, investment analysis, and client service set the foundation for Judy’s ability to help clients clarify and achieve their financial goals.
Judy earned a B.A. in Business Administration and Psychology from Hope College and an M.B.A. from the University of Colorado in Denver.
She lives with her husband near Ann Arbor and enjoys cycling, cross country skiing, kayaking, machine quilting and reading, especially historical fiction and behavioral finance and economics.
As a CERTIFIED FINANCIAL PLANNER™ (CFP®) Judy has submitted to the rigorous CFP certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones, along with her over 20 years of experience in financial planning, investment analysis, and client service set the foundation for Judy’s ability to help clients clarify and achieve their financial goals.
Judy earned a B.A. in Business Administration and Psychology from Hope College and an M.B.A. from the University of Colorado in Denver.
She lives with her husband near Ann Arbor and enjoys cycling, cross country skiing, kayaking, machine quilting and reading, especially historical fiction and behavioral finance and economics.
Securities Agent: TN, NY, NC, MN, CA, WA, NM, ID, FL, OK, NJ, MA, OH, MI, AZ, VA, HI, WI, TX, PA, NV, MO, IN, GA, SC, CO, ND, KS, IL, OR, MD, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1262204
NMLS#: 1262204
About Kevin Curry
As an experienced investment professional since 1999, Kevin will work with you to build a personalized and comprehensive financial plan designed to help achieve your long-term financial goals.
He began his career with Morgan Stanley and has been with the firm ever since. He recently joined the Huron Group where the breadth the team adds to the world class resources of Morgan Stanley.
Kevin’s area of focus on the team included Financial Planning, Portfolio Management, and helping drive overall strategic decisions. He works primarily with individuals and business owners with the ability to focus on both their personal and business needs. He currently holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation.
Born and raised in Holland, Michigan, Kevin attended Michigan Technological University and attended Oakland University for his CFP® training. He currently resides in Brighton, MI with his wife, Stacey, and their three children, Sarah, Jackson and Nicholas. When away from the office, Kevin enjoys traveling, and spending time with his family.
He began his career with Morgan Stanley and has been with the firm ever since. He recently joined the Huron Group where the breadth the team adds to the world class resources of Morgan Stanley.
Kevin’s area of focus on the team included Financial Planning, Portfolio Management, and helping drive overall strategic decisions. He works primarily with individuals and business owners with the ability to focus on both their personal and business needs. He currently holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation.
Born and raised in Holland, Michigan, Kevin attended Michigan Technological University and attended Oakland University for his CFP® training. He currently resides in Brighton, MI with his wife, Stacey, and their three children, Sarah, Jackson and Nicholas. When away from the office, Kevin enjoys traveling, and spending time with his family.
Securities Agent: NM, CO, MA, ND, MI, KY, WI, NY, AZ, VA, OH, NC, MO, KS, ID, FL, WA, TX, IL, GA, OK, NJ, TN, OR, MN, IN, CA, SC, CT, PA, MD, HI, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297772
NMLS#: 1297772
About Reichell Ray
Reichell began her career in finance in 2013 and started at Morgan Stanley in 2017. As a Wealth Management Associate, she works closely with financial advisors on estate planning, financial planning, and cash flow needs. She assists with creating investment strategies and financial reports. Reichell will complete a comprehensive review with clients and prospects to determine their investment objectives, risks, and goals to create their financial profile, while, also developing long lasting relationships.
Reichell studied Mathematics at Lawrence Technology University. She holds the Series 7 & 66 licenses. She enjoys traveling, healthy eating, and spending time with family. You’ll find her in the kitchen creating a new recipe, relaxing in nature, or expanding her industry knowledge.
Reichell studied Mathematics at Lawrence Technology University. She holds the Series 7 & 66 licenses. She enjoys traveling, healthy eating, and spending time with family. You’ll find her in the kitchen creating a new recipe, relaxing in nature, or expanding her industry knowledge.
Contact Ernie W Zack
Contact Judy McCammon
Contact Kevin Curry
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
Joseph V. Portera
Private Banker
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
Wealth Management
From Our Team
Financial Planning Brochure: Plan For Your Future
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
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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
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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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
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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
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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 Huron 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.
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 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Morgan 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
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.
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.
12Alternative 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.
13When 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.
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 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Morgan 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
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.
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.
12Alternative 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.
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Awards Disclosures
CRC 6491812 (04/2024)
