Bryan K. Longpre, CFP®
Executive Director, Financial Advisor, Family Wealth Advisor, Investing with Impact Director, Lending Specialist, Government Entity Specialist, Alternative Investments Director
Phone:
(818) 409-0750(818) 409-0750
The Jewel City Group at Morgan Stanley
Direct:
(818) 409-0750(818) 409-0750
Toll-Free:
(800) 488-1240(800) 488-1240
Our Mission Statement
Our mission is to help individuals, families, and organizations plan for their most important financial goals.
Our commitment is to always put their best interests first and to provide valuable advice in an environment of respect, collaboration and education.
Our commitment is to always put their best interests first and to provide valuable advice in an environment of respect, collaboration and education.
Our Story and Services
With a history reaching back over forty years, our team's successes reveal the strengths that our clients have found particularly beneficial in their own family's financial journey. Protecting what you have while preparing and planning for upcoming life events. Saving for secondary and college educations. Preparing to purchase and finance a home. Purchasing, developing, or selling a family business. Stopping to smell the roses by taking an aspirational vacation. Including the next generation to expose and educate their eyes on financial foresight. Estate Planning and Philanthropy. If these topics are important in our family discussions, then they may likely be the same in yours.
We are The Jewel City Group and proud to work with multi-generational families, business owners, institutions, and non-profit organizations, to name a few. Our team of six is comprised of three Financial Advisors and three Support Professionals. The personalized attention we strive to provide and the relationship we build with you is pivotally important as we endeavor to understand your uniqueness, life circumstances, responsibilities, and how we may partner to facilitate the financial journey towards your goals.
"Goodness is the only investment that never fails" (Henry David Thoreau) guides our team's approach and mindset. Since our beginnings, we have joyfully supported community organizations and their worthy endeavors. With over 100 combined years of experience in the financial services industry, we pride ourselves on the comprehensive services offered through, and backed by, the global resources of Morgan Stanley. A global firm with a local, warm, and personalized touch.
2025 Forbes Best-In-State Wealth Management Teams
- Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Investment Process -
1. Discovery:
Establishing Financial Objectives - We work with clients to establish a realistic set of objectives based on their financial goals, time horizon, liquidity needs, and tolerance to volatility & risk.
2. Defining Wealth Strategy:
Customized Investment Strategies - Develop an investment strategy to help produce optimal portfolio performance & seek to generate the highest return potential consistent with the strategy's level of risk.
3. Selecting Investments:
Portfolio Growth - Leverage the global resources of Morgan Stanley to select investments to implement your personal strategy.
4. The Review Process:
Assessment of Wealth Management Needs - Monitor your portfolio to track its performance relative to your stated objectives. Furthermore, modify your portfolio on a discretionary basis as your needs and circumstances change over time.
Individual Plans For Individuals like You
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Certified Financial Planner (CFP)
CFP professionals have met excessive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first.
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
Click here to learn more
Spending & Budgeting Tool
One way to manage savings is by using Morgan Stanley's Spending & Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Click here to learn more
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities. GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Click here to learn more
Aladdin - Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management's platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Click here to learn more
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond the traditional wealth management services.
MS Reserved Living & GivingValuable Tools & Resources:
Our comprehensive suite of digital tools are designated to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Total Wealth View
Complete your financial picture with Total wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access and convenient connectivity.
Learn More - Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More - Online Safety
On The Markets: Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read Latest Reports
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in researching your financial goals.
Learn More - Goals Based Planning
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More - MSOOur Mission
At The Jewel City Group, we are a close-knit team of caring professionals that values loyalty to each other and to the individuals, families and organizations we serve. We have deep roots in our community and a commitment to sustaining its character for future generations.
Our charitable work encompasses the empowerment of underserved communities, education, youth development, arts, and commerce in the greater Glendale area.
Morgan Stanley’s culture of global citizenship is a tradition we embrace locally by leveraging our global resources in the communities where we do business. We are proud to be members of the Morgan Stanley family and carry on the firm’s philanthropic mission to give back.
Our charitable work encompasses the empowerment of underserved communities, education, youth development, arts, and commerce in the greater Glendale area.
Morgan Stanley’s culture of global citizenship is a tradition we embrace locally by leveraging our global resources in the communities where we do business. We are proud to be members of the Morgan Stanley family and carry on the firm’s philanthropic mission to give back.
Our Involvement
- Ascencia
- Glendale Education Foundation
- New Horizons
- YMCA Pasadena & Glendale
- YWCA Pasadena & Glendale
- Glendale College Foundation
- Kiwanis Club of Glendale, CA
- Glendale Youth Alliance
- Glendale Chamber of Commerce
- Glendale Arts
Location
55 South Lake Ave
Ste 700
Pasadena, CA 91101
US
Direct:
(818) 409-0750(818) 409-0750
Toll-Free:
(800) 488-1240(800) 488-1240
Fax:
(818) 742-6271(818) 742-6271
Meet The Jewel City Group
Christina Smith
Senior Vice President, Financial Advisor, Government Entity Specialist
Phone:
(818) 409-0751(818) 409-0751
Lauren Francis
Financial Advisor
Phone:
(818) 409-0738(818) 409-0738
Jacob Espinoza
Client Service Associate
Phone:
(818) 409-0745(818) 409-0745
Mamie Lai
Wealth Management Associate
Phone:
(818) 409-0756(818) 409-0756
Kaira Haynes
Senior Client Service Associate
Phone:
(818) 409-0752(818) 409-0752
About Bryan K. Longpre
Beginning in 2006, Bryan worked his way up from an intern to Executive Director today and joined Morgan Stanley’s Elite Pacesetter’s Club in 2018. In 2020, Bryan was named to Investment News “40 Under 40 in Wealth Management,” and Forbes “Top Next Gen Advisors.”
Born and raised in locally La Crescenta, CA, he graduated cum laude in Finance from Cal State Northridge, while concurrently competing on CSUN’s Division 1 Baseball team. Bryan later signed a Professional Baseball contract with the Toronto Blue Jays where he went on to play 3 seasons before suffering a season-ending elbow injury. After retiring from processional baseball, Bryan earned a Master of Business Administration from the University of Southern California with a focus on Finance and Sustainability, while dually completing a graduate certification program in Corporate Sustainability at Harvard University.
An avid volunteer, Bryan currently serves as President of the non-profit Ascencia to address the needs of the homeless, the One for One Foundation that provides microloans to disadvantaged areas, and the Professional Baseball Players Association. Bryan currently lives in Glendale with his wife Baylie, 8-year-old twin boys, Jack and Dean and their puppy Bentley.
Disclosure:
"2019 Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19. "
Morgan Stanley Smith Barney LLC. Member SIPC
Born and raised in locally La Crescenta, CA, he graduated cum laude in Finance from Cal State Northridge, while concurrently competing on CSUN’s Division 1 Baseball team. Bryan later signed a Professional Baseball contract with the Toronto Blue Jays where he went on to play 3 seasons before suffering a season-ending elbow injury. After retiring from processional baseball, Bryan earned a Master of Business Administration from the University of Southern California with a focus on Finance and Sustainability, while dually completing a graduate certification program in Corporate Sustainability at Harvard University.
An avid volunteer, Bryan currently serves as President of the non-profit Ascencia to address the needs of the homeless, the One for One Foundation that provides microloans to disadvantaged areas, and the Professional Baseball Players Association. Bryan currently lives in Glendale with his wife Baylie, 8-year-old twin boys, Jack and Dean and their puppy Bentley.
Disclosure:
"2019 Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19. "
Morgan Stanley Smith Barney LLC. Member SIPC
Securities Agent: MI, ID, SD, OR, WY, WA, WI, VA, UT, TX, SC, RI, PA, OH, NY, NV, NM, NJ, NC, MO, MA, LA, IL, IA, HI, GA, FL, DE, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1253006
CA Insurance License #: 0I26786
NMLS#: 1253006
CA Insurance License #: 0I26786
About Christina Smith
Christina joined Morgan Stanley in 2004, formerly Smith Barney, and The Jewel City Group in 2006, formerly The Stone Beck Group. Her versatility and tenacity have been an asset to the team throughout her career. Over the years, she has worn many hats. With her breadth of experience, she expanded her role in 2020 by transitioning to a Financial Advisor. Prior to her career at Morgan Stanley, she worked for a predecessor firm from 2001- 2003. Her early work experience has been in finance, banking, and accounting.
She understands the value and peace of mind a financial advisor can provide to clients and is excited to further develop her relationships in this capacity. Passionate about helping others, Chris has been a steadfast asset to The Jewel City Group since 2006 and counts it a privilege and an honor to work with our clients. She shares, “It is truly a deeper relationship than being just a client. It becomes more so like family and very personal to me. I truly cherish the close bond that develops over the years to form a more personal connection.”
Christina grew up in nearby San Fernando Valley. She graduated from Alemany High School, followed by college at Coastal Carolina Community College in Jacksonville, NC when her husband was stationed at Camp Lejuene. To root and raise their family, and be close by immediate family members, they moved back to their native California. In her spare time, Christina likes to golf, fish, cook to try out new recipes, read, go to the movies, attend concerts and sporting events, garden, and walk. When not out and about, she frequently hosts family get togethers, birthdays, summer BBQ’s, Super Bowl parties, etc. to spend time with friends and family. She currently resides in Castaic, CA with her husband, Jay, and sons, Matthew and Joshua, and her loveable boxer, Stella.
Morgan Stanley Smith Barney LLC. Member SIPC.
She understands the value and peace of mind a financial advisor can provide to clients and is excited to further develop her relationships in this capacity. Passionate about helping others, Chris has been a steadfast asset to The Jewel City Group since 2006 and counts it a privilege and an honor to work with our clients. She shares, “It is truly a deeper relationship than being just a client. It becomes more so like family and very personal to me. I truly cherish the close bond that develops over the years to form a more personal connection.”
Christina grew up in nearby San Fernando Valley. She graduated from Alemany High School, followed by college at Coastal Carolina Community College in Jacksonville, NC when her husband was stationed at Camp Lejuene. To root and raise their family, and be close by immediate family members, they moved back to their native California. In her spare time, Christina likes to golf, fish, cook to try out new recipes, read, go to the movies, attend concerts and sporting events, garden, and walk. When not out and about, she frequently hosts family get togethers, birthdays, summer BBQ’s, Super Bowl parties, etc. to spend time with friends and family. She currently resides in Castaic, CA with her husband, Jay, and sons, Matthew and Joshua, and her loveable boxer, Stella.
Morgan Stanley Smith Barney LLC. Member SIPC.
Securities Agent: AZ, CO, DE, FL, GA, HI, IA, ID, IL, LA, MA, MI, MO, NC, NJ, NM, NV, NY, OH, OR, RI, SC, SD, TX, UT, VA, WA, WI, WY, CA, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1965700
CA Insurance License #: 4090531
NMLS#: 1965700
CA Insurance License #: 4090531
About Lauren Francis
Lauren brings 10+ years of experience in the financial services industry with a focus on client service, financial planning and business development. She spent most of her career in an operational/support role which taught her invaluable skills. However in early 2023, she decided to expand her role and become a Financial Advisor. She is passionate about, and finds great fulfillment in, connecting with clients and guiding them towards achieving their financial goals.
Lauren joined Morgan Stanley in 2015 after spending four years with Raymond James & Associates in Coral Gables, Florida. Lauren is FINRA licensed Series 7 & Series 66, Insurance Licensed and has the Morgan Stanley Financial Planning Specialist designation.
Born and raised in Northern California, Lauren opted for a change of scenery and relocated to South Florida for college to pursue a degree in business management & marketing from the University of Miami, go Canes! An avid swimmer and runner, she swam competitively for 10 years and has completed six half marathons. Lauren now resides in the South Bay with her husband Brandon and their two (soon to be three in October 2023) children. They love to spend their evenings by the ocean or riding bikes along the beach strand. Lauren and Brandon are both passionate about showing their children different parts of the country (and the world when they are older) and teaching them about different cultures and traditions. Aside from being at the beach and traveling, one of Lauren’s favorite activities is escape rooms. If you haven’t tried one, she highly recommends it!
Morgan Stanley Smith Barney LLC. Member SIPC.
Lauren joined Morgan Stanley in 2015 after spending four years with Raymond James & Associates in Coral Gables, Florida. Lauren is FINRA licensed Series 7 & Series 66, Insurance Licensed and has the Morgan Stanley Financial Planning Specialist designation.
Born and raised in Northern California, Lauren opted for a change of scenery and relocated to South Florida for college to pursue a degree in business management & marketing from the University of Miami, go Canes! An avid swimmer and runner, she swam competitively for 10 years and has completed six half marathons. Lauren now resides in the South Bay with her husband Brandon and their two (soon to be three in October 2023) children. They love to spend their evenings by the ocean or riding bikes along the beach strand. Lauren and Brandon are both passionate about showing their children different parts of the country (and the world when they are older) and teaching them about different cultures and traditions. Aside from being at the beach and traveling, one of Lauren’s favorite activities is escape rooms. If you haven’t tried one, she highly recommends it!
Morgan Stanley Smith Barney LLC. Member SIPC.
Securities Agent: IL, CA, RI, TX, OR, WY, PA, CO, NY, SD, VA, UT, ID, LA, MI, MO, NJ, NC, NM, HI, WA, GA, WI, FL, SC, OH, NV, MA, IA, DE, AZ; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0K59338
CA Insurance License #: 0K59338
About Jacob Espinoza
After interning with The Stone-Beck Group in the Summer of 2016, Jacob has become a full-time member of the team. As a recent graduate from Arizona State University, Jacob brings an eagerness to learn and to help our clients.
As Toni’s youngest son, Jacob was born and raised in La Crescenta and has grown up knowing many of our current clients. With his lifelong connection to The Stone-Beck Group, Jacob looks forward to the road ahead and his role in supporting our clients.
As Toni’s youngest son, Jacob was born and raised in La Crescenta and has grown up knowing many of our current clients. With his lifelong connection to The Stone-Beck Group, Jacob looks forward to the road ahead and his role in supporting our clients.
About Mamie Lai
Mamie Lai has 8 years of experience in the financial services industry and is Series 7 and Series 66 licensed. She is a native of Los Angeles, and a graduate of Occidental College. Residing in San Gabriel Valley, Mamie and her husband have three grown children. Playing Scrabble, cooking, baking, reading, and spending time with family are at the top of her list of favorite pastimes.
About Kaira Haynes
Kaira brings 22 years of experience in the financial services industry with a focus on client service. Kaira joined Morgan Stanley in 1999 as the receptionist at the Pasadena office for a year then transitioned to the New Accounts Clerk position for three years three before moving onto the Client Service role.
Kaira is a native to Los Angeles, residing in the San Gabriel Valley. Kaira has three grown children, two sons and a daughter. Kaira spends her free time backpacking, hiking, travelling, and camping.
Kaira is a native to Los Angeles, residing in the San Gabriel Valley. Kaira has three grown children, two sons and a daughter. Kaira spends her free time backpacking, hiking, travelling, and camping.
Contact Bryan K. Longpre
Contact Christina Smith
Contact Lauren Francis
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 Jewel City 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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2The 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.
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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Municipal 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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8Alternative 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.
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
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2The 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.
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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Municipal 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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8Alternative 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
