Robert Jacobs
Financial Advisor, Managing Director, Wealth Management, Senior Portfolio Manager
Phone:
(805) 494-0281(805) 494-0281
The Jacobs Byrne Group at Morgan Stanley
Direct:
(805) 494-0281(805) 494-0281
Our Mission Statement
Creating comprehensive financial plans with compassion, patience, unprecedented customer service.
Our Group
Our Group is highly experienced and equipped to help you achieve your goals. We believe strongly in a team approach to promote quality client service, reliable communication and a working relationship that feels like family.
At the Jacobs Byrne Group, we strive to create comprehensive plans to help preserve wealth and build assets in light of an investor’s needs and circumstances. A key to achieving this goal is to establish a planned, purposeful financial direction early in our relationship.
We work closely with you to develop an investment plan tailored to your needs. The plan includes a thorough understanding of objectives, realistic expectations, and an understanding of the risks and rewards in all investment vehicles selected. We understand each client is different and appreciate your individual circumstances. Our goal is to be your primary source of financial advice no matter what life stage you are at.
To this end, we will concentrate our efforts on developing a long-term, multigenerational relationship with you through a commitment to quality client service. You can expect a high level of service and an ongoing dialogue including regular calls or emails, portfolio reviews and performance analyses, and invitations to client events.
When working with us you can expect compassion, patience, unprecedented customer service.
At the Jacobs Byrne Group, we strive to create comprehensive plans to help preserve wealth and build assets in light of an investor’s needs and circumstances. A key to achieving this goal is to establish a planned, purposeful financial direction early in our relationship.
We work closely with you to develop an investment plan tailored to your needs. The plan includes a thorough understanding of objectives, realistic expectations, and an understanding of the risks and rewards in all investment vehicles selected. We understand each client is different and appreciate your individual circumstances. Our goal is to be your primary source of financial advice no matter what life stage you are at.
To this end, we will concentrate our efforts on developing a long-term, multigenerational relationship with you through a commitment to quality client service. You can expect a high level of service and an ongoing dialogue including regular calls or emails, portfolio reviews and performance analyses, and invitations to client events.
When working with us you can expect compassion, patience, unprecedented customer service.
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- Cash ManagementFootnote2
- Certificates of DepositFootnote3
- Corporate BondsFootnote4
- Estate Planning StrategiesFootnote5
- Exchange Traded FundsFootnote6
- Financial PlanningFootnote7
- Fixed IncomeFootnote8
- Lending Products
- Municipal BondsFootnote9
- Planning for Education FundingFootnote10
- Professional Portfolio ManagementFootnote11
- Retirement PlanningFootnote12
- Wealth ManagementFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Morgan Stanley's Digital Offerings
We believe that digital technology plays a crucial role in how our clients 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.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Learn More About MSO- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- 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.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth ViewThe 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.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Portfolio Risk Platform – Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn How We Mitigate Risk For Clients
Goals Planning System
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Contact the Jacobs Byrne Group at Morgan Stanley to start the conversation.
Learn More About GPSContact the Jacobs Byrne Group at Morgan Stanley to start the conversation.
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 clients and their families to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital VaultThe Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
Data Security
At Morgan Stanley, our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Learn More About Our Online Security Measures- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Explore Exclusive Perks & Insights Available to Our Clients
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.
Contact the Jacobs Byrne Group at Morgan Stanley to learn more about how you can enroll for the Reserved Living & Giving program.
Contact the Jacobs Byrne Group at Morgan Stanley to learn more about how you can enroll for the Reserved Living & Giving program.
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
Browse The Latest Reserved Offers
Reserved Insights
Curated insights and articles spanning such topics as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
Browse the Latest Reserved Insights
Signature Access
Signature Access, the highest tier of Morgan Stanley’s complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
Signature Access Login
Meet the Global Investment Committee
The Global Investment Committee is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients. They continually monitor developing economic and market conditions, review tactical outlooks and recommend asset allocation weightings, as well as produce a suite of strategy, research, analysis, commentary, and other reports and broadcasts.
Meet the Global Investment Committee
Justin Rose and Morgan Stanley a Winning Team
Every golfer could always use a little more consistency. In this video Justin Rose shares a few of his own tricks on how to stay consistent.
Learn How To Be More Consistent
Morgan Stanley
Uncover the history of Morgan Stanley. Learn about the people and events that have shaped the company over the last 85 years.
Location
100 N Westlake Blvd
Ste 200
Westlake Village, CA 91362
US
Direct:
(805) 494-0281(805) 494-0281
Meet The Jacobs Byrne Group
Philip J Byrne
Financial Advisor, Senior Vice President, Lending Specialist
Phone:
(805) 494-0279(805) 494-0279
Armen Doyan, CFP®
Financial Advisor, Portfolio Manager
Phone:
(805) 494-0276(805) 494-0276
David Ray, CFP®
Financial Advisor, Senior Vice President, Senior Portfolio Manager
Phone:
(805) 494-0299(805) 494-0299
Janielle Swayne
Phone:
(805) 494-0278(805) 494-0278
About Robert Jacobs
Robert Jacobs is a Managing Director and Financial Advisor at the Morgan Stanley Westlake Village office. Having been in the financial industry for over 38 years, Robert has no shortage of experience. He and his team work tirelessly with you to help you define, implement and achieve your financial goals.
He joined Morgan Stanley Smith Barney in August 2006; prior to that, he was a Senior Vice President at UBS Financial Services from January 1994 to August 2006. He served as a Vice President at Prudential Securities from March 1987 to January 1994, and began his investment career at Drexel Burnham in June 1985. Robert also has been a portfolio manager since 1994.
Robert is a distinguished member of the Morgan Stanley President's Council. He is also a Senior Portfolio Manager Director in the Morgan Stanley Portfolio Management Program.
Robert was born and raised in Sothern California. He lives with his wife Kristi in Westlake Village, CA. He has two children, his daughter Brittany graduated from Pepperdine University, and his son Brandon graduated from the University of California Santa Barbara.
He joined Morgan Stanley Smith Barney in August 2006; prior to that, he was a Senior Vice President at UBS Financial Services from January 1994 to August 2006. He served as a Vice President at Prudential Securities from March 1987 to January 1994, and began his investment career at Drexel Burnham in June 1985. Robert also has been a portfolio manager since 1994.
Robert is a distinguished member of the Morgan Stanley President's Council. He is also a Senior Portfolio Manager Director in the Morgan Stanley Portfolio Management Program.
Robert was born and raised in Sothern California. He lives with his wife Kristi in Westlake Village, CA. He has two children, his daughter Brittany graduated from Pepperdine University, and his son Brandon graduated from the University of California Santa Barbara.
Securities Agent: CO, MN, GA, DC, UT, NV, VA, TN, PA, IL, OR, IN, AL, MO, MD, OK, OH, MA, FL, CA, AK, NY, ID, HI, CT, AZ, KS, NJ, NC, WA, TX, MI, LA, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265293
NMLS#: 1265293
About Philip J Byrne
Philip Byrne is a Senior Vice President, Financial Advisor and Lending Specialist at the Morgan Stanley Westlake Village office. Phil and the team work tirelessly helping clients attain the financial security they desire for themselves and their family.. He works with individuals and families in all aspects of financial planning and investing to help clients remain on a path to achieving their goals.
Phil began his financial services career at UBS Financial Services in 2002 and then moved to Morgan Stanley in 2006. He received his bachelor’s degree from Marquette University in Milwaukee in 1979. Prior to UBS, Phil worked over 20 years in the television industry before making the transition to finance.
Having spent his early career in television, Phil has unique insight into working with individuals in the entertainment industry. He understands the challenges of working in a free-lance environment and how to plan for sporadic bouts of unemployment. Phil is a member of The Directors Guild of America and as a television producer won two Emmy awards during his career in television.
Phil was born and raised on Long Island and is a long suffering NY Mets and NY Giants fan. After graduating college, he moved out west to Southern California. Phil lives with his wife Myra in Westlake Village where he is involved with several community organizations and supports numerous charities. He has two children, his son Andrew graduated The University of Arizona and currently works at Spotify. His daughter Katherine graduated from The University of California at Santa Barbara and is currently working on her Ph. D at UCLA working with Autistic children.
When not in the office. Phil stays active and loves to spend time with his family. He is a big fan of Marquette basketball and especially enjoys traveling with his wife experiencing the world.
Phil began his financial services career at UBS Financial Services in 2002 and then moved to Morgan Stanley in 2006. He received his bachelor’s degree from Marquette University in Milwaukee in 1979. Prior to UBS, Phil worked over 20 years in the television industry before making the transition to finance.
Having spent his early career in television, Phil has unique insight into working with individuals in the entertainment industry. He understands the challenges of working in a free-lance environment and how to plan for sporadic bouts of unemployment. Phil is a member of The Directors Guild of America and as a television producer won two Emmy awards during his career in television.
Phil was born and raised on Long Island and is a long suffering NY Mets and NY Giants fan. After graduating college, he moved out west to Southern California. Phil lives with his wife Myra in Westlake Village where he is involved with several community organizations and supports numerous charities. He has two children, his son Andrew graduated The University of Arizona and currently works at Spotify. His daughter Katherine graduated from The University of California at Santa Barbara and is currently working on her Ph. D at UCLA working with Autistic children.
When not in the office. Phil stays active and loves to spend time with his family. He is a big fan of Marquette basketball and especially enjoys traveling with his wife experiencing the world.
Securities Agent: ID, WA, DC, AL, TX, NJ, HI, DE, IL, AK, OR, OH, PA, NC, MI, MD, CT, CO, IN, FL, CA, AZ, UT, TN, OK, NV, MN, LA, NY, MO, MA, GA, VA, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1262008
NMLS#: 1262008
About Armen Doyan
As a Financial Advisor at Morgan Stanley, Armen has the privilege of helping individuals, multi-generational families and small business owners achieve their financial goals.
He has been a member of the Jacobs Byrne group in Westlake Village since 2017. He aids his clients with asset management, financial planning, and customized advice so that his clients can spend their time doing what they love to do.
Since joining the firm, he has received the designation of Certified Financial Planner, CFP® from the University of California, Berkeley, and the accreditation of Portfolio Manager. As a PM, he is among a select group of financial advisors at the firm qualified to directly manage client assets.
Armen grew up in the Greater Washington, D.C. area and moved to California in 2004. He currently resides in Thousand Oaks with his wife, Laura and two daughters. Outside of the office, Armen can be found spending time outdoors with his family, traveling, skiing and playing golf.
He has been a member of the Jacobs Byrne group in Westlake Village since 2017. He aids his clients with asset management, financial planning, and customized advice so that his clients can spend their time doing what they love to do.
Since joining the firm, he has received the designation of Certified Financial Planner, CFP® from the University of California, Berkeley, and the accreditation of Portfolio Manager. As a PM, he is among a select group of financial advisors at the firm qualified to directly manage client assets.
Armen grew up in the Greater Washington, D.C. area and moved to California in 2004. He currently resides in Thousand Oaks with his wife, Laura and two daughters. Outside of the office, Armen can be found spending time outdoors with his family, traveling, skiing and playing golf.
Securities Agent: OR, WA, CT, GA, NC, MN, TN, NV, IN, WI, VA, UT, TX, SD, RI, PA, OK, OH, NY, NM, NJ, NE, MT, MS, MO, MI, ME, MD, MA, LA, KY, KS, IL, ID, HI, FL, DE, DC, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2326401
NMLS#: 2326401
About David Ray
David Ray joined Morgan Stanley in 2016 after 15 years as a CPA at PricewaterhouseCoopers and The Ryland Group, Inc.
David was born and raised in Eastern Canada and moved to the United States after he graduated from High School. After serving as a missionary for his church for two years in Hawaii, David began studying accounting and business management. In 2001 he graduated with a degree in Accounting from Brigham Young University and accepted a job with PricewaterhouseCoopers. In 2004 David received his CPA license.
While working in Phoenix, David met his future wife, and they both moved to Los Angeles where he accepted a job with The Ryland Group, Inc. With PricewaterhouseCoopers & The Ryland Group, David gained invaluable experience and insight into accounting and finance.
Since joining Morgan Stanley in March of 2016, David has become certified by Morgan Stanley as a Portfolio Manager and has received the designation of Certified Financial Planner, CFP.
David currently resides in Westlake Village with his wife Brooke, and two children.
David was born and raised in Eastern Canada and moved to the United States after he graduated from High School. After serving as a missionary for his church for two years in Hawaii, David began studying accounting and business management. In 2001 he graduated with a degree in Accounting from Brigham Young University and accepted a job with PricewaterhouseCoopers. In 2004 David received his CPA license.
While working in Phoenix, David met his future wife, and they both moved to Los Angeles where he accepted a job with The Ryland Group, Inc. With PricewaterhouseCoopers & The Ryland Group, David gained invaluable experience and insight into accounting and finance.
Since joining Morgan Stanley in March of 2016, David has become certified by Morgan Stanley as a Portfolio Manager and has received the designation of Certified Financial Planner, CFP.
David currently resides in Westlake Village with his wife Brooke, and two children.
Securities Agent: OR, AK, WY, IN, AL, UT, PA, AZ, VA, PR, NE, CA, AR, NV, GA, WA, TX, TN, OH, MN, KY, NY, NM, MS, LA, HI, SC, NJ, MA, ID, CT, CO, WI, VT, NH, ND, MD, IA, FL, SD, OK, MT, MO, MI, IL, NC, ME, KS, DE, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1500607
CA Insurance License #: 0K97138
NMLS#: 1500607
CA Insurance License #: 0K97138
About Janielle Swayne
Janielle Swayne is a Wealth Management Associate for the Jacobs/Byrne Group at Morgan Stanley. She began her career with Dean Witter/Morgan Stanley in 1989. Janielle has tremendous experience in the financial services industry. During her career at Morgan Stanley, she has worked as an assistant, branch manager assistant and Wealth Management Associate.
Contact Robert Jacobs
Contact Philip J Byrne
Contact Armen Doyan
Contact David Ray
Wealth Management
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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 Jacobs Byrne 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.
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.
2Morgan 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
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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.
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11Morgan 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.
12When 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.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
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.
2Morgan 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
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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.
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11Morgan 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.
12When 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.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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Awards Disclosures
CRC 6491812 (04/2024)
