Edward J Igel
Financial Advisor, Managing Director, Portfolio Management Director
Phone:
(212) 230-3636(212) 230-3636
The Igel Group at Morgan Stanley
Our Mission Statement
The Igel Group at Morgan Stanley Wealth Management. Private Wealth Management. Financial Planning. Financial Advising. Tailored Strategies. Personalized Service. Experienced Team
Our Story and Services
The Igel Wealth Management Group can help to preserve your wealth, maintain, and enhance your lifestyle, and aid you in creating the legacy you hope for. We begin by simply getting to know you and then developing robust financial plans and portfolio allocations using the vast resources Morgan Stanley has to offer. With our experienced team and in conjunction with Morgan Stanley’s Intellectual Capital Resource platforms, we cater to our client’s needs, individually, and make personalized investment recommendations.
We strive to ensure that the clients’ and their families’ wealth is sustainable. By providing estate and trust planning strategies, assisting families develop their future missions, and promoting philanthropy and foundation development, through Morgan Stanley Family Office Resources, we help families preserve their wealth in a way that is aligned with their goals. In addition, we understand short-term needs are important to maintaining an appropriate day-to-day lifestyle. Through Morgan Stanley’s online platform, we assist clients set up routine bill pay, and help ensure they have enough liquidity for unexpected cash needs.
The Igel Group was created with the goal of delivering an unsurpassed experience and personalization to our clients, their families, foundations, and businesses. By providing advice founded on a culture of excellence and driven by global insight, our team’s professionals deliver the vast resources of Morgan Stanley within the context of a transparent personalized strategy. We provide our clients with the resources and experience needed for the potential enhancement of financial and social capital, and the optimization and preservation of their legacy.
See the 'Meet The Igel Group' section below to learn more about our team members—we look forward to meeting you.
We strive to ensure that the clients’ and their families’ wealth is sustainable. By providing estate and trust planning strategies, assisting families develop their future missions, and promoting philanthropy and foundation development, through Morgan Stanley Family Office Resources, we help families preserve their wealth in a way that is aligned with their goals. In addition, we understand short-term needs are important to maintaining an appropriate day-to-day lifestyle. Through Morgan Stanley’s online platform, we assist clients set up routine bill pay, and help ensure they have enough liquidity for unexpected cash needs.
The Igel Group was created with the goal of delivering an unsurpassed experience and personalization to our clients, their families, foundations, and businesses. By providing advice founded on a culture of excellence and driven by global insight, our team’s professionals deliver the vast resources of Morgan Stanley within the context of a transparent personalized strategy. We provide our clients with the resources and experience needed for the potential enhancement of financial and social capital, and the optimization and preservation of their legacy.
See the 'Meet The Igel Group' section below to learn more about our team members—we look forward to meeting you.
Services Include
- Alternative InvestmentsFootnote1
- Stock Plan ServicesFootnote2
- Executive Financial ServicesFootnote3
- Cash Management and Lending ProductsFootnote4
- Qualified Retirement PlansFootnote5
- Wealth PlanningFootnote6
- Fixed IncomeFootnote7
- Estate Planning StrategiesFootnote8
- Retirement PlanningFootnote9
- 401(k) Rollovers
- Professional Portfolio ManagementFootnote10
- Business Succession PlanningFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Five-Step Process
I. Discovery Process
We recognize that every client, and their family or business situation is unique. This is why we strongly believe it is imperative that we begin our process by learning about you, and what is important to you. What we learn helps us to create specific strategies and tailor our relationship in accordance with your preferences, objectives and beliefs.
II. Personal Balance Sheet Review
We next review or help construct a personal balance sheet taking into account all assets and liabilities. We pay careful attention to the titling of assets and with your permission we will work with your CPA and attorneys in order to help ensure your assets are protected and optimized from, a tax and legacy planning perspective.
III. Customized Strategic Portfolio
Your specific short, medium and long term goals require a customized investment portfolio or portfolios which take into account such factors as risk, opportunity, taxation, and estate planning. Weighing all of these factors, we help design a custom asset allocation intended to assist you in meeting your stated goals and objectives.
IV. Plan Implementation
A final review meeting will be held to answer all questions and review each aspect of the chosen plan. After this thorough consultation is completed and mutual agreement on the chosen strategy or strategies occurs, we put the investment plan into practice and adopt your custom financial plan.
V. Monitoring, Supervision & Ongoing Updates
We provide regular updates at least annually, or more frequently depending on the plan’s complexity and your overall needs on the plan’s progress. We coordinate with you, your legal and tax advisors to ensure your custom strategy is continually adaptive to an ever changing environment.
Personalized Solutions
From buying a home to rolling over your 401(k) to leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
Financial Planning
Life is constantly changing. How do I prepare for a more secure future knowing that certain events – like a divorce or a death in the family – can dramatically impact my plans?
Learn More Here
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I’ll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Learn More Here
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Learn More Here
Managing Risk
Life’s risks can reveal themselves in many ways – from loss of life to loss of health. How do I protect myself and my family from life’s unknowns?
Learn More Here
Professional Portfolio Management
I have so many things I want to do with my life. How can one investment strategy balance them all?
Learn More Here
Socially-Responsible Investing
Is there a way to incorporate my personal values into the way I invest without giving up performance?
Learn More Here
Growing Older
Given extended life expectancy, how do I make certain I can afford the health services I may need?
Learn More HereInvest in What Lasts
Legacy planning had changed dramatically over the past 10 years. It’s less about money and more about the conversation about values. We can help you think through complex issues and develop a comprehensive plan for you and your family than spans generations creating a lasting legacy.
How Insurance Can Help With Retirement Planning
Due to their tax treatment and risk mitigation features, you can help improve the odds that you will have enough money to maintain your lifestyle throughout retirement and meet other financial goals by integrating these kinds of policies into your long-term plan.
Read More HereExecutor of A Will For Parents: A Checklist
This honor—and legal responsibility—involves taking care of financial obligations, including the payment of any debt and taxes and then properly dispersing the remaining assets according to the directions spelled out in your parent’s Will. It also involves maintaining property until the estate is settled and making any required court appearances. Knowing and understanding these responsibilities is the first step when preparing to oversee the estate process.
Read More HereElder Care Planning Checklist: Being Prepared
As hard as it is to swallow, old age can rob one of hard-won independence. And at some point in time, we’ll all be faced with the reality that we’re unable or unfit to make important calls about finances and medical care. Too often, though, these topics go unaddressed. So what prevents many of us from preparing for outcomes that, intellectually, we know we're all going to face?
Read More HereTrusted Contact Authorization Form
FINRA Rule 4512 requires Morgan Stanley to make reasonable efforts to obtain the contact information of a Trusted Contact for clients. Branch personnel may contact a Trusted Contact to address potential financial exploitation of the client, verify the client’s current contact information, or to address other concerns about the client or the client’s wellbeing.
Learn More HereMorgan Stanley Reserved Living & Giving
Reserved Living & Giving (RLG) is a tiered complimentary loyalty program that rewards our most valued clients. The program is designed to enhance our clients lifestyle and relationship with the firm beyond traditional wealth management services.
As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program.
As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program.
Exclusive Offers and Insights from Premium Brands for You and Your Family
Get Started and Enroll HereReserved Offers
Learn more about some of our partnerships, extensive list of offers and benefits
Browse Our Offers HereSignature Access
Clients who qualify for our highest tier*, Signature Access, are connected to a vetted network of professionals who can craft custom solutions for your family’s exceptional needs such as Art Advisory, Private Health Advisory, Cybersecurity, and bespoke travel services.
Clients with $10 million+ in assets and liabilities at the firm are eligible for Signature Access status, which includes access to world-class services and more exclusive offers.
Learn More HereClients with $10 million+ in assets and liabilities at the firm are eligible for Signature Access status, which includes access to world-class services and more exclusive offers.
Reserved Video
Learn more about the program and how clients are currently leveraging these select services
Watch The Video HereLocation
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 230-3636(212) 230-3636
Meet The Igel Group
Executive Director, Financial Advisor, Senior Portfolio Management Director, Chartered Retirement Plans Specialist
Phone:
(212) 230-3720(212) 230-3720
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist
Phone:
(212) 230-3751(212) 230-3751
Connie L Serra-Gallo
Assistant Vice President, Wealth Management Associate, Financial Planning Specialist*
Phone:
(212) 230-3657(212) 230-3657
Joseph Cascio
Client Service Associate, Financial Planning Specialist*
Phone:
(212) 230-3517(212) 230-3517
About Edward J Igel
Edward Igel has over 35 years of experience in the Financial Services and Securities Industry. Ed is a seasoned professional whose hard work and perseverance have led him to earn the prestigious titles of Managing Director, Portfolio Management Director and Financial Advisor. Ed focuses on developing financial strategies for individual accredited investors, high net worth generational families, businesses, and institutions. Ed is dedicated to providing clients with an individually tailored approach to long term wealth management, emphasizing diversification across various asset classes and efficient retirement planning.
Ed has numerous professional FINRA licenses including the Series 3, 7, 63, 65 and holds a New York Insurance License. He is a Registered Options Principal and a Registered Investment Advisor. Ed has been a member of the highly regarded Chairman’s Club (formerly referred to as the Directors Council), a special recognition club for the firm’s top Financial Advisors, since 1993. Ed has also received the prestigious Five Star Wealth Manager award for “Wealth Managers who deliver outstanding service and client satisfaction”, as seen in the New York Magazine.
Ed received his Bachelor’s and Master’s Degree from the City University of New York. In his spare time Ed enjoys long distance swimming, billiards and collecting cars.
2014, 2015, 2017 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2017)The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Ed has numerous professional FINRA licenses including the Series 3, 7, 63, 65 and holds a New York Insurance License. He is a Registered Options Principal and a Registered Investment Advisor. Ed has been a member of the highly regarded Chairman’s Club (formerly referred to as the Directors Council), a special recognition club for the firm’s top Financial Advisors, since 1993. Ed has also received the prestigious Five Star Wealth Manager award for “Wealth Managers who deliver outstanding service and client satisfaction”, as seen in the New York Magazine.
Ed received his Bachelor’s and Master’s Degree from the City University of New York. In his spare time Ed enjoys long distance swimming, billiards and collecting cars.
2014, 2015, 2017 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2017)The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: OK, WY, WV, WI, WA, VT, VA, TX, SC, RI, PA, OH, NY, NV, NM, NJ, NH, NE, NC, MT, MO, MI, ME, MD, MA, LA, KS, IL, IA, HI, OR, GA, FL, DE, TN, DC, CT, CO, CA, AZ, AR, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1265224
NMLS#: 1265224
About Eric A. DiNapoli
Eric is an Executive Director, Financial Advisor, and Senior Portfolio Management Director at The Igel Group at Morgan Stanley.
Eric and his team serve a diverse client base consisting of individual investor, families, corporations, and charitable foundations. Eric takes a holistic; goal-based planning approach to each client relationship. He recognizes that every client, whether an individual investor, family, corporation, or foundation, comes with a unique set of goals and investment objectives. Eric collaborates with his clients to formulate a comprehensive and customized investment plan to help position the client to reach those goals and makes recommendations necessary to adjust the plan over time in a constantly changing economic, market, and geo-political environment.
Eric is an admitted attorney in both New York and New Jersey. While he currently does not actively practice law, he utilizes his experience and legal training to facilitate conversations with his client’s legal and tax advisors to help ensure each client’s legacy plan and current financial plan work in a complementary manner.
Additionally, his experience working in the legal profession has helped him form an appreciation of the challenges faced by busy, successful professionals in high stress/high reward occupations. Eric often draws on this experience when selecting and introducing financial planning and investment strategies and concepts to clients.
Eric received his Bachelor of Science in Finance at St. John’s University, and his Juris Doctor at Seton Hall University School of Law, and holds the CRPS (Chartered Retirement Plans Specialist) professional designation. Eric has also achieved the internal Morgan Stanley designation of Senior Portfolio Management Director, which is awarded to financial advisors who manage significant assets on a discretionary basis on behalf of clients.
Eric enjoys skiing, golf, pickle ball, weight training and spending time with family and friends.
Eric and his team serve a diverse client base consisting of individual investor, families, corporations, and charitable foundations. Eric takes a holistic; goal-based planning approach to each client relationship. He recognizes that every client, whether an individual investor, family, corporation, or foundation, comes with a unique set of goals and investment objectives. Eric collaborates with his clients to formulate a comprehensive and customized investment plan to help position the client to reach those goals and makes recommendations necessary to adjust the plan over time in a constantly changing economic, market, and geo-political environment.
Eric is an admitted attorney in both New York and New Jersey. While he currently does not actively practice law, he utilizes his experience and legal training to facilitate conversations with his client’s legal and tax advisors to help ensure each client’s legacy plan and current financial plan work in a complementary manner.
Additionally, his experience working in the legal profession has helped him form an appreciation of the challenges faced by busy, successful professionals in high stress/high reward occupations. Eric often draws on this experience when selecting and introducing financial planning and investment strategies and concepts to clients.
Eric received his Bachelor of Science in Finance at St. John’s University, and his Juris Doctor at Seton Hall University School of Law, and holds the CRPS (Chartered Retirement Plans Specialist) professional designation. Eric has also achieved the internal Morgan Stanley designation of Senior Portfolio Management Director, which is awarded to financial advisors who manage significant assets on a discretionary basis on behalf of clients.
Eric enjoys skiing, golf, pickle ball, weight training and spending time with family and friends.
Securities Agent: NY, OH, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, WV, WY, OK, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, KS, LA, MA, MD, ME, MI, MO, MT, NC, NH, NJ, NM, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1316526
NMLS#: 1316526
About Susan Igel Candia
Susan Igel Candia, is a Financial Advisor and Financial Planning Specialist. She is not only the legacy to our groups founder Edward Igel, she is a seasoned service professional with over 30 years of experience in the business and education sectors. Susan started her career with her own retail business, transitioned to a manager of a major online retailer, then continued with her education to receive a dual masters and eventually landed in academia. Currently she acts as the head of client services for the Igel Group and is primarily focused on the Igel Group’s modern wealth management and financial planning initiatives.
Through her experience and education, Susan has developed a keen business acumen and unwavering professional resolve. Her strong leadership enables a culture that allows both our clients and business professionals to enjoy a level of trust in and loyalty to Morgan Stanley. Susan is passionate about the continued development of client services for the group as well as expanding her knowledge of financial advising. She takes the most enjoyment in acting as a liaison with our established clientele to the many facets of financial planning that The Igel group has to offer. She is committed to our firm’s core values and fosters a collegial, inclusive work environment. Susan, along with The Igel team, remains intently focused on consistently delivering the world-class white glove service to our clients.
Susan attended Northeastern University, Boston University and achieved her Dual Masters from LIU. She resides on Long Island, with her husband, two children and her dog.
NMLS ID 2440992
Through her experience and education, Susan has developed a keen business acumen and unwavering professional resolve. Her strong leadership enables a culture that allows both our clients and business professionals to enjoy a level of trust in and loyalty to Morgan Stanley. Susan is passionate about the continued development of client services for the group as well as expanding her knowledge of financial advising. She takes the most enjoyment in acting as a liaison with our established clientele to the many facets of financial planning that The Igel group has to offer. She is committed to our firm’s core values and fosters a collegial, inclusive work environment. Susan, along with The Igel team, remains intently focused on consistently delivering the world-class white glove service to our clients.
Susan attended Northeastern University, Boston University and achieved her Dual Masters from LIU. She resides on Long Island, with her husband, two children and her dog.
NMLS ID 2440992
Securities Agent: NJ, OR, VA, ME, WY, WA, VT, TX, SC, PA, OH, NY, NV, NH, NC, MI, MD, MA, IL, HI, GA, FL, DC, CT, CO, CA, AZ, AR, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 2440992
NMLS#: 2440992
About Connie L Serra-Gallo
Connie is an Assistant Vice President, Wealth Management Associate and Financial Planning Specialist* at The Igel Group with more than 32 years of industry experience. She started working under the founder of the Igel Group, Ed, as an entry level sales assistant. A results-driven professional, she is committed to cultivating deep relationships with clients so she can help them solve their financial challenges.
Connie’s primary responsibilities focus on bridging the advisory services offered through the team with operational excellence. Some of these duties include establishing and cultivating relationship with existing and new clients, attending client meetings, and educating clients on product and services the firm offers. She manages the team’s day-to-day workflow, reviews and analyzes financial reports, and identifies service enhancements to help improve efficiencies for both our clients and advisors.
Prior to becoming a Wealth Management Associate, Connie started out as a Sales Assistant and then worked in the Compliance Department as a Branch Examiner. She graduated from Iona College in 1990 with a degree in Finance. In her free time, some of her hobbies include traveling, going to the gym, cooking, and helping at her daughters’ dance school.
*This role cannot solicit or provide investment advice
Connie’s primary responsibilities focus on bridging the advisory services offered through the team with operational excellence. Some of these duties include establishing and cultivating relationship with existing and new clients, attending client meetings, and educating clients on product and services the firm offers. She manages the team’s day-to-day workflow, reviews and analyzes financial reports, and identifies service enhancements to help improve efficiencies for both our clients and advisors.
Prior to becoming a Wealth Management Associate, Connie started out as a Sales Assistant and then worked in the Compliance Department as a Branch Examiner. She graduated from Iona College in 1990 with a degree in Finance. In her free time, some of her hobbies include traveling, going to the gym, cooking, and helping at her daughters’ dance school.
*This role cannot solicit or provide investment advice
About Joseph Cascio
*This role cannot solicit or provide investment advice
Contact Edward J Igel
Contact Eric A. DiNapoli
Contact Susan Igel Candia
Wealth Management
Global Investment Office
Portfolio Insights
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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
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
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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 Igel Group today.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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
5When 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.
6Morgan 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.
Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9When 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.
10Morgan 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.
11Morgan 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.
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:
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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.
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Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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
5When 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.
6Morgan 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.
Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9When 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.
10Morgan 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.
11Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
