Skip Moosher
Managing Director, Wealth Management, Financial Advisor, International Client Advisor, Family Wealth Director
Phone:
(202) 857-5423(202) 857-5423
The Independence Wealth Management Group at Morgan Stanley
Direct:
(202) 861-5113(202) 861-5113
Toll-Free:
(800) 522-3546(800) 522-3546
Our Mission Statement
Leveraging diverse talents and leading with exceptional ideas to go above and beyond for high net worth individuals and their families, both domestically and abroad.
Welcome
The core of The Independence Wealth Management Group has worked together for over a decade, effectively combining the knowledge and perspective of Financial Advisors with complementary capabilities and over 100 years of combined experience to offer our clients creative solutions delivered with exceptional service. Managing Director Skip Moosher and Senior Vice President Tim Thompson have built a diverse team of thoughtful, engaging and committed professionals that span ages, generations and approaches to the wealth management of over $2 billion in client assets*, creating a group that challenges each other’s ideas in pursuit of the best outcomes for the successful professionals, business owners and foundations we serve.
Skip and Tim are Family Wealth Directors, specially trained to meet the complex needs of high net worth clients with a focus on generational wealth transfer that includes estate planning, family governance and wealth education as well as philanthropy. In addition, Skip and Charles “Chaz” Boylan are among a select group of International Client Advisors positioned to manage the wealth of international citizens and US persons living abroad. Tim, meanwhile, holds the Certified Investment Management Analyst® designation, which supports his decades-long discretionary management of client portfolios.
Financial Advisors Courtney McIntosh and Ian Ross focus on our client relationships, ensuring personalized planning and guidance across each client’s financial lifecycle. They provide comprehensive implementation and review of financial goals and asset allocations for every individual, family and organization we serve across the globe. These efforts are supported by dedicated Client Service Associates Mackenzie Mendoza and Brian Dinka, who take the initiative in anticipating and fulfilling client requests and delivering excellent service.
Skip and Tim are Family Wealth Directors, specially trained to meet the complex needs of high net worth clients with a focus on generational wealth transfer that includes estate planning, family governance and wealth education as well as philanthropy. In addition, Skip and Charles “Chaz” Boylan are among a select group of International Client Advisors positioned to manage the wealth of international citizens and US persons living abroad. Tim, meanwhile, holds the Certified Investment Management Analyst® designation, which supports his decades-long discretionary management of client portfolios.
Financial Advisors Courtney McIntosh and Ian Ross focus on our client relationships, ensuring personalized planning and guidance across each client’s financial lifecycle. They provide comprehensive implementation and review of financial goals and asset allocations for every individual, family and organization we serve across the globe. These efforts are supported by dedicated Client Service Associates Mackenzie Mendoza and Brian Dinka, who take the initiative in anticipating and fulfilling client requests and delivering excellent service.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
International Wealth Management
International Wealth Management is a specialized area within Morgan Stanley Wealth Management that is dedicated to serving individuals, families, family offices, entrepreneurs, corporate executives and corporate stock plan managers who live outside the United States. We also serve US citizens living and working abroad as well as those who are relocating to the United States or otherwise changing domicile.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client’s language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client’s language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We may be able to provide you access to:
- An open architecture platform that includes leading asset management firms, giving you access to unaffiliated third party managers and their teams.
- Thematic investing ideas and asset allocation models from Morgan Stanley’s Global Investment Committee, guiding your overall portfolio allocation.
- Customized lending solutions from Morgan Stanley Private Bank, National Association, addressing your financing needs.
- Dedicated specialists in wealth transfer, philanthropy, family dynamics, concierge and lifestyle advisory services, and other family office capabilities, supporting the non-financial needs you may have.
Not all products and services are available to clients outside of the United States.
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 suitable 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”) 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.
CRC 3430115 05/22
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Learn More- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn MoreThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn More
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn More
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth ManagementLocation
1775 I Street NW
Suite 200
Washington, DC 20006
US
Direct:
(202) 861-5113(202) 861-5113
Toll-Free:
(800) 522-3546(800) 522-3546
Meet The Independence Wealth Management Group
Senior Vice President, Financial Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(202) 861-5109(202) 861-5109
Courtney C. McIntosh
Financial Advisor, International Client Advisor
Phone:
(202) 861-5113(202) 861-5113
Charles W. Boylan
Financial Advisor, International Client Advisor
Phone:
(202) 862-2875(202) 862-2875
Ian Ross
Financial Advisor
Phone:
(202) 862-9059(202) 862-9059
Mackenzie Mendoza
Client Service Associate
Phone:
(202) 862-9163(202) 862-9163
Brian J. Dinka
Senior Registered Client Service Associate
Phone:
(202) 857-5475(202) 857-5475
About Skip Moosher
With over 38 years of experience at the firm, Skip acts as the senior partner of the Independence Wealth Management Group in Washington, DC, overseeing assets under management in excess of $2 billion (as of March 2024). Skip has built his career around hard work and doing the right thing for his clients, colleagues and the community. He has thoughtfully assembled a team of talented financial professionals at Independence Wealth, instilling them with a client-first focus and dedication to trusting relationships. Sharing his experience with fellow team members and supporting their professional development are key tenets of the team’s success.
As one of a select group of individuals approved as an International Client Advisor, Skip manages portfolios both domestically and throughout 40 countries. His areas of concentration include investment management, asset allocation and estate planning for high net worth individuals and families across the globe.
Skip has repeatedly been recognized by Barron's as one of the Top 1,000 Advisors in the US and, by Forbes as a Best-In-State Wealth Advisor, and by Morgan Stanley as a President's Club member. He enjoys sharing his passion for the wealth management business and serving as a mentor, as well as speaking with those interested in a career in wealth management. Within the Washington, DC community, he supports the Georgetown Main Street civic association and Morgan Stanley’s local fundraising efforts for Covenant House
Skip is a magna cum laude graduate of The State University of New York at Oswego and lives in the heart of Georgetown. Outside of work, Skip enjoys golf, skiing, live music, visiting his daughters in New York City and exploring the Blue Ridge Mountains.
As one of a select group of individuals approved as an International Client Advisor, Skip manages portfolios both domestically and throughout 40 countries. His areas of concentration include investment management, asset allocation and estate planning for high net worth individuals and families across the globe.
Skip has repeatedly been recognized by Barron's as one of the Top 1,000 Advisors in the US and, by Forbes as a Best-In-State Wealth Advisor, and by Morgan Stanley as a President's Club member. He enjoys sharing his passion for the wealth management business and serving as a mentor, as well as speaking with those interested in a career in wealth management. Within the Washington, DC community, he supports the Georgetown Main Street civic association and Morgan Stanley’s local fundraising efforts for Covenant House
Skip is a magna cum laude graduate of The State University of New York at Oswego and lives in the heart of Georgetown. Outside of work, Skip enjoys golf, skiing, live music, visiting his daughters in New York City and exploring the Blue Ridge Mountains.
Securities Agent: ND, IN, VI, OR, MS, CA, WV, OK, LA, WA, TX, PA, OH, MI, NC, MO, KY, GA, DC, ID, IL, WI, VA, UT, SC, NH, IA, CT, AL, MN, AZ, VT, PR, NY, NV, NJ, FL, DE, CO, WY, TN, RI, NE, MD, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1295546
NMLS#: 1295546
About J Timothy Thompson
As a Financial Advisor for more than 47 years and a Senior Investment Management Consultant, Tim focuses on helping preserve the wealth of high net worth individuals and families across the country. He provides portfolio management and comprehensive counseling regarding wealth preservation and transfer strategies, risk management, financial independence and retirement planning, charitable gifting, executive benefits, and more.
Tim holds the distinguished designations of Certified Investment Management Analyst® (CIMA®) and Chartered Private Wealth Advisor (CPWA®) and holds certificates from the Investment Management Consultants Association (IMCA) sponsored Fundamentals of Alternative Investments and Applied Behavioral Finance. He also is a member of the Association of Professional Investment Consultants (APIC). Tim holds his Series 3, 4, 7, 12, 24, 53, 63, and 65 licenses as well as Life Health and Variable Annuity Insurance Licenses.
Tim is active in alumni affairs at Washington & Lee University as a member of the General’s Club and at Georgetown Visitation where he is a member of the St. Francis de Sales Society. He enjoys spending time with his grandchildren and his personal hobbies include tennis, golf and reading.
Tim holds the distinguished designations of Certified Investment Management Analyst® (CIMA®) and Chartered Private Wealth Advisor (CPWA®) and holds certificates from the Investment Management Consultants Association (IMCA) sponsored Fundamentals of Alternative Investments and Applied Behavioral Finance. He also is a member of the Association of Professional Investment Consultants (APIC). Tim holds his Series 3, 4, 7, 12, 24, 53, 63, and 65 licenses as well as Life Health and Variable Annuity Insurance Licenses.
Tim is active in alumni affairs at Washington & Lee University as a member of the General’s Club and at Georgetown Visitation where he is a member of the St. Francis de Sales Society. He enjoys spending time with his grandchildren and his personal hobbies include tennis, golf and reading.
Securities Agent: LA, CO, AL, VT, TN, OK, MS, MO, MI, KY, ID, MA, IL, IA, FL, DC, CT, RI, OH, DE, WI, VI, VA, OR, NV, ND, GA, CA, WA, SC, NY, NH, MN, IN, UT, WY, WV, TX, PR, NC, AZ, PA, NJ, NE, MD; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278972
NMLS#: 1278972
About Courtney C. McIntosh
With over 18 years of industry experience, Courtney is responsible for strategic business development initiatives and customized client solutions for the team. She focuses on financial planning and assists in developing tailored, comprehensive solutions to help clients manage and simply their financial lives and goals. Her areas of concentration include delivering family office resources to clients, creating and customizing wealth management tools, and overseeing internal operations for the group. Courtney has also earned the International Client Advisor designation.
Courtney graduated with honors with a bachelor’s degree in communication studies from James Madison University. She is an alumna Mortar Board member, an active volunteer with InTandem cycling, and immersed in the outdoor community.
Courtney and her family live in Alexandria, VA and enjoy spending time together at the beach.
Courtney graduated with honors with a bachelor’s degree in communication studies from James Madison University. She is an alumna Mortar Board member, an active volunteer with InTandem cycling, and immersed in the outdoor community.
Courtney and her family live in Alexandria, VA and enjoy spending time together at the beach.
Securities Agent: RI, LA, VA, TN, SC, IL, CA, VT, NJ, KY, OK, MO, WV, WA, PA, NV, MS, MD, CT, WI, OH, ND, ID, AL, TX, NE, MN, MA, IA, DC, VI, WY, OR, GA, AZ, UT, PR, NC, MI, DE, CO, NY, NH, IN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1638801
NMLS#: 1638801
About Charles W. Boylan
Since joining Morgan Stanley in 2014, Chaz has earned the International Client Advisor designation which enables him to work with clients in over 40 jurisdictions globally. He also possesses deep understanding of the firm’s offshore trading and foreign exchange capabilities. More broadly, Chaz supports client engagement and thoughtfully customizes asset allocation models through extensive manager analysis and goals-based planning. His areas of concentration include facilitating strategic partnerships and supporting the team’s investment committee through research and analytical tools. Chaz also focuses on integrating financial planning as a foundation of client relationships and business development.
An Atlanta native and graduate of the University of Georgia, Chaz, his wife, Emery, and their young son now reside in Washington, DC. Chaz also holds an MBA degree from Georgetown University. Outside the office, Chaz enjoys cheering for the Georgia Bulldogs and snowboarding.
An Atlanta native and graduate of the University of Georgia, Chaz, his wife, Emery, and their young son now reside in Washington, DC. Chaz also holds an MBA degree from Georgetown University. Outside the office, Chaz enjoys cheering for the Georgia Bulldogs and snowboarding.
Securities Agent: NC, IN, OR, OK, NH, ND, MO, MA, CO, CA, DC, WY, WI, TX, PR, PA, UT, NV, NJ, SC, RI, AZ, VT, OH, MS, CT, AR, VA, MI, MD, KY, ID, GA, VI, MN, LA, AL, TN, IL, IA, FL, DE, WV, WA, NY, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 1297977
NMLS#: 1297977
About Ian Ross
As a Financial Planning Specialist designee, Ian helps clients create a roadmap for their future that puts their wealth to work for them. Leveraging his academic background in engineering, he conducts investment manager research and related quantitative analysis, partnering with other team members in building customized client portfolios. Ian provides financial plan monitoring and reporting as well as assisting in client strategy reviews. As an International Financial Advisor Associate, he also plays a supporting role in the team’s International Client Advisor business.
A New York native, Ian earned a bachelor's degree in mechanical engineering from the University of Michigan. Away from work, Ian serves as district chief for the Beta Theta Pi fraternity, supporting volunteer advisors and student chapter leaders at several universities in the Washington, DC area.
A New York native, Ian earned a bachelor's degree in mechanical engineering from the University of Michigan. Away from work, Ian serves as district chief for the Beta Theta Pi fraternity, supporting volunteer advisors and student chapter leaders at several universities in the Washington, DC area.
Securities Agent: DC, CO, WY, FL, VA, PA, MN, KY, AZ, AL, NE, IN, GA, OK, MO, MI, LA, TN, SC, IL, ID, CT, CA, VI, OR, NJ, NH, MS, MD, IA, AR, WA, PR, NV, WV, WI, VT, UT, OH, MA, DE, TX, RI, NY, ND, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 2474434
NMLS#: 2474434
About Mackenzie Mendoza
As a Client Service Associate, Mackenzie is the go-to resource for all client requests and inquiries. Mackenzie plays an integral role in onboarding new clients both domestically and internationally. in support of our international business. In addition, she enhances existing client relationships through outstanding service and timely knowledge and application of Morgan Stanley resources. Mackenzie also supports our risk management efforts to ensurethrough proper due diligence of U.S. and non-resident client accounts and to ensure the safeguarding of client assets.
Mackenzie began her career with Morgan Stanley in 2017 on the institutional trading operations team for fixed income securities and municipal bonds. She joined Independence Wealth Management in 2019.
A native of upstate New York, Mackenzie graduated summa cum laude with a bachelor’s degree in business administration from Binghamton University, State University of New York. She now lives on New York’s Long Island with her husband and two young boys. Together, they enjoy exploring Long Island and attending Red Bulls soccer games.
Mackenzie began her career with Morgan Stanley in 2017 on the institutional trading operations team for fixed income securities and municipal bonds. She joined Independence Wealth Management in 2019.
A native of upstate New York, Mackenzie graduated summa cum laude with a bachelor’s degree in business administration from Binghamton University, State University of New York. She now lives on New York’s Long Island with her husband and two young boys. Together, they enjoy exploring Long Island and attending Red Bulls soccer games.
About Brian J. Dinka
Brian brings more than 14 years of financial services experience to his role as a Senior Client Service Associate. As a key member of the team, Brian assists with administrative functions such as client onboarding and timely fulfillment of existing client requests. Through careful and detailed monitoring of client accounts, he also keeps his colleagues up to date on any notable items that require further action. In addition, Brian regularly shares information with the team on pertinent Morgan Stanley and financial industry updates.
Prior to joining Morgan Stanley in 2023, Brian was a premier banker at Wells Fargo for six years. He previously held various client facing roles for PNC and New York Life.
Brian earned a bachelor’s degree in business management from Washington College (MD) and an MBA in finance from Charleston Southern University. A New York native, Brian and his wife, Gillian, reside in Maryland. Outside of the office, he enjoys playing hockey, spending time at the beach and cooking.
Prior to joining Morgan Stanley in 2023, Brian was a premier banker at Wells Fargo for six years. He previously held various client facing roles for PNC and New York Life.
Brian earned a bachelor’s degree in business management from Washington College (MD) and an MBA in finance from Charleston Southern University. A New York native, Brian and his wife, Gillian, reside in Maryland. Outside of the office, he enjoys playing hockey, spending time at the beach and cooking.
Contact Skip Moosher
Contact J Timothy Thompson
Contact Courtney C. McIntosh
Contact Charles W. Boylan
Contact Ian Ross
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
Tolu Adeyemi
Private Banker
About Tolu Adeyemi
Tolu Adeyemi is a Private Banker serving Morgan Stanley Wealth Management offices in Washington D.C. and Maryland.
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.
Tolu began his career in financial services in 2007, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Client Advisor at PNC Private Bank. He also served as a Wealth Management Banker and Investment Service Adviser for Merrill Lynch.
Tolu is a graduate of Kean University, where he received a Bachelor of Science in Marketing. He lives in Fulton, MD with his wife and two sons. Outside of the office, Tolu enjoys playing golf, fishing, cooking, and spending time with family and friends.
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.
Tolu began his career in financial services in 2007, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Client Advisor at PNC Private Bank. He also served as a Wealth Management Banker and Investment Service Adviser for Merrill Lynch.
Tolu is a graduate of Kean University, where he received a Bachelor of Science in Marketing. He lives in Fulton, MD with his wife and two sons. Outside of the office, Tolu enjoys playing golf, fishing, cooking, and spending time with family and friends.
NMLS#: 643728
Wealth Management
From Our Team
6 Financially Smart Ways to Start 2025
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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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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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,
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Independence Wealth Management Group today.
1Morgan 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.
2Alternative 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.
3The 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.
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
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.
2Alternative 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.
3The 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
