Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Senior Portfolio Management Director, Lending Specialist
Phone:
(215) 854-6045(215) 854-6045
The JnR Group at Morgan Stanley
Direct:
(215) 854-6045(215) 854-6045
Our Mission Statement
We deliver extensive experience, dedicated personal service, and leverage intellectual capital to successfully advise and tackle complex financial challenges.
Our Story
In 2022, John Corrado and Rocco Vernisi met to form the JnR group with the mission to deliver extensive experience, dedicated personal service, and leverage intellectual capital to successfully advise and tackle complex financial challenges. With over 50 years of combined investment experience, this team strives to give their clientele an exceptional and dedicated service.
John joined Morgan Stanley in 1998 as a financial advisor focused on servicing the unique needs of high net worth clients, foundations defined contribution plan sponsors and defined benefit plan sponsors. John’s resume includes the Certified Financial Planner ™ (CFP ®) and the Certified Investment Management Analyst SM (CIMA ®) designations. This continued education has enhanced John's skillset in asset allocation and portfolio management, preparing him for the complex financial challenges his clientele face.
In 2008, Rocco joined the firm as a financial advisor aiming to help families plan for retirement and make educated decisions towards the future financial health of their children and golden years. Rocco's continued determination to improve his tool kit and aid in his client's future lead him to the Certified Financial Planner ™ (CFP ®) and Chartered Retirement Plans Specialist (CRPS) ™ designations. Both Rocco and John always choose to go beyond for their clients and have the resume to back it up.
With the strength of Morgan Stanley behind their team, they focus the firm's worldwide resources on providing quality advice, integrated solutions, and intelligence across global markets. Together the JnR Group utilizes their team's experience and investing knowledge to serve a wholistic and personal strategy for their clients. Scroll down to read more on each team member and their backgrounds
John joined Morgan Stanley in 1998 as a financial advisor focused on servicing the unique needs of high net worth clients, foundations defined contribution plan sponsors and defined benefit plan sponsors. John’s resume includes the Certified Financial Planner ™ (CFP ®) and the Certified Investment Management Analyst SM (CIMA ®) designations. This continued education has enhanced John's skillset in asset allocation and portfolio management, preparing him for the complex financial challenges his clientele face.
In 2008, Rocco joined the firm as a financial advisor aiming to help families plan for retirement and make educated decisions towards the future financial health of their children and golden years. Rocco's continued determination to improve his tool kit and aid in his client's future lead him to the Certified Financial Planner ™ (CFP ®) and Chartered Retirement Plans Specialist (CRPS) ™ designations. Both Rocco and John always choose to go beyond for their clients and have the resume to back it up.
With the strength of Morgan Stanley behind their team, they focus the firm's worldwide resources on providing quality advice, integrated solutions, and intelligence across global markets. Together the JnR Group utilizes their team's experience and investing knowledge to serve a wholistic and personal strategy for their clients. Scroll down to read more on each team member and their backgrounds
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote6
- Life InsuranceFootnote7
- Trust ServicesFootnote8
- 529 PlansFootnote9
- Long Term Care InsuranceFootnote10
- AnnuitiesFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Managing Your Money In The Digital Age
Our goal is simple: to be the firm where the most talented trusted advisors in the industry, leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their goals. We strives to ensure our clients are served on market-leading technology platforms that are resilient, safe, efficient, smart, fast, and flexible.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
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 Management
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 OffersAreas of Expertise
Here at the JnR Group, we are committed to using Morgan Stanley resources to manage your wealth more effectively. By speaking with you and developing a relationship, we can personalize a strategy that will best fit your needs and goals. Take a look at just a few of our areas of expertise.
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
401(K) Rollovers
If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place. This helps simplify your financial life, keeps you organized and helps make your money work harder for you.
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your goals, resources and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots, and helps ensure legacy goals are met.
529 College Savings Plan
Morgan Stanley offers a variety of 529 plan options to help you save for college and other education expenses. With the rising cost of education, it is more important now than ever, to have a plan set up for your children.
Retirement Planning
One of our key areas of strength is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Long-Term Care Insurance
Long-term Care (LTC) insurance is an invaluable tool that helps clients protect their assets, maintain financial freedom, and ensure the best care for their loved ones and themselves.
Trust Services
Wealth accumulation is followed by wealth preservation, which in turn is followed by wealth transition. The
management of these three wealth phases requires careful planning and long-term commitment. Here at Morgan Stanley, we work with approved third-party trust companies to manage your Trust relationship.
management of these three wealth phases requires careful planning and long-term commitment. Here at Morgan Stanley, we work with approved third-party trust companies to manage your Trust relationship.
Cash Management & Lending Services
Morgan Stanley provides a variety of cash management solutions to help clients manage everyday finances. Our suite of products & features including home loans and securities based lending may fit your individual needs. Please contact us for more information.
Podcast: Thoughts On The Market
Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, provides perspectives on the forces that are shaping the market as he leads a discussion on the latest trends in the financial marketplace.
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Podcast: Morgan Stanley Ideas
The Morgan Stanley Ideas Podcast shares revealing stories about the world of business, finance, technology and beyond.
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Research: Global Investment Committee Weekly Report
Global Investment Committee member Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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Podcast: Now What's Next?
A podcast about what life after the pandemic might look like, and the opportunities for change that it presents. Hosted by Sonari Glinton.
Click Here to Listen to PodcastLocation
1650 Market Street
42nd Floor
Philadelphia, PA 19103
US
Direct:
(215) 854-6045(215) 854-6045
100 Front Street
Suite 600
West Conshohocken, PA 19428
US
Direct:
(610) 260-7311(610) 260-7311
Meet The JnR Group
Phone:
(610) 260-7311(610) 260-7311
Christine Elliott
Senior Client Services Associate
Phone:
(215) 854-6120(215) 854-6120
Lori Pierre-Louis
Registered Client Service Associate
Phone:
(610) 260-8609(610) 260-8609
About John F. Corrado
John joined Morgan Stanley in 1998. As a Financial Advisor, he focuses his talents on servicing the needs of high net worth clients as well as working with foundations, defined contribution plan sponsors, and defined benefit plan sponsors. As an alumnus of University of Delaware with a Bachelor of Science in Business Administration, he continues to expand his knowledge. In 2008 John obtained the CERTIFIED FINANCIAL PLANNER ™ (CFP ®) certification focusing on financial, retirement, education, and estate planning. In 2009 he completed the Certified Investment Management Analyst SM (CIMA ®) designation focusing on asset allocation, manager search and selection, investment policy and performance and risk measurement. This program is administered in conjunction with the Wharton School of Business.
John is also a Senior Investment Management Consultant, which is designated to qualified consultants within Morgan Stanley who have been through comprehensive training. John attends conferences around the country administered by Stanford University, MIT and other accredited programs and is a member of the Investment Management Consultants Association.
In his spare time, he enjoys Philadelphia culture and traveling with his wife and daughter.
John is also a Senior Investment Management Consultant, which is designated to qualified consultants within Morgan Stanley who have been through comprehensive training. John attends conferences around the country administered by Stanford University, MIT and other accredited programs and is a member of the Investment Management Consultants Association.
In his spare time, he enjoys Philadelphia culture and traveling with his wife and daughter.
Securities Agent: MD, VA, MN, ME, NJ, SC, OH, DE, DC, CO, TX, NV, GA, PA, MA, CT, CA, FL, AZ, NC, MI, UT, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262007
NMLS#: 1262007
About Rocco Vernisi
Making money is hard, but preserving that wealth and maximizing its growth and income can be even harder. As your financial success increases, so does the complexity of managing it. Having a game plan and a professional to help quarterback that game plan for you and your family can simplify your financial life and free you to focus on what you do best.
I work with successful individuals and families who need someone to quarterback their financial lives and help protect the future they are building. The centerpiece of my client relationships is a detailed financial plan that explores every aspect of your financial life in the context of your needs, wants, wishes and goals. I believe financial planning is critical to producing the customized game plan your family needs to preserve, grow and protect your wealth.
As your financial quarterback, I work diligently to ensure the game plan we create together is in line with your goals and values. My years as an NCAA Division I quarterback have given me the foundation of discipline needed to execute your game plan, while always keeping my eye on the ball and the big picture. I combined my knowledge and experience with the planning tools, research, cash management solutions and alternative investment platform of one of the world’s leading financial firms to create your customized plan and bring it to life. Together, we will seek to maximize investment opportunities using all the tools Morgan Stanley has at its disposal.
I work with successful individuals and families who need someone to quarterback their financial lives and help protect the future they are building. The centerpiece of my client relationships is a detailed financial plan that explores every aspect of your financial life in the context of your needs, wants, wishes and goals. I believe financial planning is critical to producing the customized game plan your family needs to preserve, grow and protect your wealth.
As your financial quarterback, I work diligently to ensure the game plan we create together is in line with your goals and values. My years as an NCAA Division I quarterback have given me the foundation of discipline needed to execute your game plan, while always keeping my eye on the ball and the big picture. I combined my knowledge and experience with the planning tools, research, cash management solutions and alternative investment platform of one of the world’s leading financial firms to create your customized plan and bring it to life. Together, we will seek to maximize investment opportunities using all the tools Morgan Stanley has at its disposal.
Securities Agent: KS, PA, MA, NY, ME, IL, TN, CO, GA, NJ, MT, MI, DE, AZ, OR, SC, MD, MN, FL, VA, TX, CT, UT, NC, CA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1838634
NMLS#: 1838634
About Christine Elliott
Christine is a Senior Client Service Associate with The JnR Group at Morgan Stanley. Chris joined the industry in 1999 and began supporting John Corrado in 2006. Chris focuses on maintaining effective client relationships and providing operational, administrative, and account maintenance services. She provides detail oriented and efficient support to both the team and their clients. Chris prides herself in anticipating the needs of her clients and is always eager to help in any way she can.
About Lori Pierre-Louis
Lori is a dedicated Registered Client Service Associated at Morgan Stanley with twenty-six years’ experience. This position has allowed her to serve clients with dedication and skill. She enjoys working with each client to meet their needs and build strong relationships. Lori has her Series 7, 63, and 66 licenses.
Lori, along with her husband enjoys spending time with their children, grandchildren, other family, and friends. They also find pleasure walking the trails of Chester County, canoeing the Brandywine River, fishing, and horseback riding.
She is grateful for everyday and looks forward to serving clients.
Lori, along with her husband enjoys spending time with their children, grandchildren, other family, and friends. They also find pleasure walking the trails of Chester County, canoeing the Brandywine River, fishing, and horseback riding.
She is grateful for everyday and looks forward to serving clients.
Contact John F. Corrado
Contact Rocco Vernisi
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
Fabienne Sarnecki
Private Banker
About Fabienne Sarnecki
Fabienne Sarnecki is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
NMLS#: 1879930
Wealth Management
Global Investment Office
Portfolio Insights
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 JnR Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
9Investors 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
9Investors 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
