Lewis Kalmans
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director, Workplace Advisor – Equity Compensation, Lending Specialist
Phone:
(713) 968-3111(713) 968-3111
The Kalmans Group at Morgan Stanley
Direct:
(713) 968-3111(713) 968-3111
Toll-Free:
(800) 359-4358(800) 359-4358
Our Mission Statement
Our objective is to guide you and your family through all stages of life. Leveraging the intellectual capital and resources of Morgan Stanley, we develop strategies to help create, preserve and manage your wealth so you can pursue your goals.
OUR MISSION
Our mission is to help create, help preserve and manage wealth for our clients. We provide comprehensive financial planning and portfolio management services that are designed to help meet the goals and objectives of our clients. We build lifelong client relationships on a foundation of trust and confidence. We put our clients' interests first, act with integrity, and strive for excellence in every facet of our business practice. Success is not measured by performance statistics but rather by our clients' success in achieving their goals.
IN THE PRESS:
- Forbes Best-In-State Wealth Advisor; 2019 - 2024
- Morgan Stanley President's Club; 2008-Present
- Morgan Stanley Thirty Years of Service 2024
- Morgan Stanley Insurance Planning Director 2020
- Morgan Stanley Private Banking Group Summit Club; 2014, 2015 & 2016
2019-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2019-2024). (Awarded Jan 2024). Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
In the Press
The Kalmans Group has been consistently recognized as a leader in the industry. These accolades are a testament to our valued clients and the trust that they place in our team.
Lewis Kalmans
•Forbes Best-In-State Wealth Advisor, 2019 - 2024
2019-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2019-2024). Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)]
•Morgan Stanley President's Club, 2008-Present
•Morgan Stanley Twenty-Five Years of Service 2019
•Morgan Stanley Insurance Planning Director 2020
•Morgan Stanley Private Banking Group Summit Club, 2014, 2015, 2016
Forbes Best-In-State Recognition2019-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2019-2024). Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)]
•Morgan Stanley President's Club, 2008-Present
•Morgan Stanley Twenty-Five Years of Service 2019
•Morgan Stanley Insurance Planning Director 2020
•Morgan Stanley Private Banking Group Summit Club, 2014, 2015, 2016
THE SIGNIFICANCE OF A FAMILY WEALTH DIRECTOR
Lewis Kalmans of The Kalmans Group, after a rigorous course of study, earned the highly selective Morgan Stanley Family Wealth Director (FWD) certification in 2017. In working with a designated Family Wealth Director, you gain access to the intellectual capital and vast resources of our firm to aid in managing your personal finances. Both our Institutional Securities Group and Morgan Stanley Investment Management extend that range into your professional life, delivering the investment banking, capital markets and institutional investing solutions needed to pursue the strategic ambitions of your enterprise. Our goal is to help you and your family address the myriad challenges of managing significant wealth.
Our Team's Family Wealth Capabilities
A Family Wealth Director (FWD) is a rare distinction, earned by approximately 4% of Morgan Stanley’s Financial Advisors as of February 2021. The designation is given to advisors who have undergone distinctive training to complement their extensive experience working with ultra-high net worth families. To learn more about our family wealth capabilities, click the link below.
Our Family Wealth Capabilities
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Wealth Education Development Plan
Legacy & Estate Planning Strategies
We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process- at your request we will coordinate with your legal tax advisors as well.
Estate Planning Overview
Philanthropy Management
We provide our clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
Learn More About GIFTWOMEN IN TRANSITION
The end of a marriage is a tumultuous time. However, for women, divorce and widowhood can raise a unique set of challenges. Women take on many roles and often navigate complex lives. A solid financial foundation can help women manage their financial future and simplify their financial life. The articles below can be used as a resource to help you through this often difficult transition.
Taking Control of Your Finances After Divorce or Death of A Spouse
Divorce or the death of a spouse can turn the best laid financial plans upside down. An income stream dries up; assets may be divided; in short, where life had a feeling of certainty, you may now be standing on shifting ground.
"Taking Control of Your Finances After Divorce or Death of A Spouse"
Planning for Your Financial Future
It’s natural to feel overwhelmed by all the life events we need to prepare for. But women are tough, and we’re smart, and we’re planners. Feeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
"Women & Wealth: Planning for Your Financial Future"
Planning For a New Beginning
Dealing with the impact of divorce on your financial life can make an emotionally difficult time even more challenging. Although divorce is seldom easy, you can prepare for it- and being prepared will help you feel more in control and better equipped to make informed, confident decisions about your financial future.
"Divorce: Planning For a New Beginning"
Life After Divorce
Divorce is almost never easy. The more you know and the better you understand your options, the more prepared you will be to make sound decisions. This will help you take control of your financial life and prepare the way for greater confidence and flexibility in the future.
"Life After Divorce: Planning Your New Future"
Making the Most of Your Sudden Wealth
Most financial gains are inheritances, but they can also stem from a variety of other sources such as legal settlements. Suddenly inheriting wealth can propel you to financial security or serve as a source of future regret, if not managed wisely. This fact sheet will help you identify the issues involved in managing, preserving and maximizing your new wealth.
Navigating Divorce
It is important to evaluate the impact divorce can have on both your personal and financial matters. The better you understand your options, the more likely you are to make sound financial decisions. This article will help you learn how to build a solid financial strategy that may help provide you with greater confidence and flexibility in the future.
"Planning For the New Beginning"MONTHLY OUTLOOKS & UPDATES
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Mike Wilson: Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
This Week's Podcast with Mike Wilson
2025 Investment Outlook
Investors face tough choices in an imperfect world, but can look for opportunities in fixed income while remaining cautious on emerging markets and commodities.
2025 Investment Outlook
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Read: "GIC on the Markets"
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
Read: "GIC Weekly
6 Ways to Start Fresh Financially in 2025
The start of a new year offers an opportunity to reflect on the past and set goals for the future. Revisiting both your personal and financial goals can help set you up for success in 2025 and beyond. Here are six ways to kick off the new year with fresh a perspective:
"6 Ways to Start Fresh Financially in 2025"
Megatrends: Driving the Adoption of Electric Vehicles
Investors can gear up for a long-term shift in automotive trends, as electric vehicles are expected to account for 90% of auto sales by 2050. There are potentially numerous opportunities for long-term investors to benefit along the way.
"Megatrends: Driving the Adoption of Electric Vehicles"
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
2025 Federal Income Tax Tables
For help filing your taxes this year, our team has published the 2025 tax tables for your reference. Please click the link below to view them.
2025 Tax TablesLocation
1330 Post Oak Blvd
Suite 900
Houston, TX 77056
US
Direct:
(713) 968-3111(713) 968-3111
Toll-Free:
(800) 359-4358(800) 359-4358
Meet The Kalmans Group
Joyce Bodenhamer
Senior Registered Client Service Associate
Phone:
(713) 968-3116(713) 968-3116
Michelle Katona
Phone:
(713) 968-3113(713) 968-3113
About Lewis Kalmans
Since joining Morgan Stanley in June of 1994, Lewis has gained the knowledge and experience essential to educating clients about their portfolios and for developing financial plans according to their individual goals and objectives. In 2017, after a rigorous course of study, Lewis earned the highly selective Morgan Stanley Family Wealth Director certification. Most recently in January 2023, Lewis was promoted to the level of Managing Director.
As your family grows and your wealth increases, you may face a broader and more complex set of wealth management challenges. As a Family Wealth Director, our team has extensive experience, training and the resources necessary to help you and your family address these needs. We help you create and implement a comprehensive wealth management plan based on your unique goals and aspirations.
Lewis formed The Kalmans Group at Morgan Stanley in 2010 to provide a comprehensive, team based approach to working with clients and their families to help them better achieve their goals and objectives.
Prior to joining Morgan Stanley, Lewis was employed by Neiman Marcus as an assistant buyer in their Dallas, Texas buying office. He has a Bachelor of Arts degree in Economics from Emory University in Atlanta, GA. Lewis and his wife Elyse make their home in Bellaire, Texas, with their three children, Aerin, Kendall, and Talia. Outside the office, Lewis is active in the community. He currently serves as the Chair of the Board for the Houston Jewish Community Foundation. Lewis is the past President of the Alumni Board of St. John’s School, and past Brotherhood President and board member of Congregation Emanu El. His hobbies include yoga, running, volunteering, photography, and traveling.
As your family grows and your wealth increases, you may face a broader and more complex set of wealth management challenges. As a Family Wealth Director, our team has extensive experience, training and the resources necessary to help you and your family address these needs. We help you create and implement a comprehensive wealth management plan based on your unique goals and aspirations.
Lewis formed The Kalmans Group at Morgan Stanley in 2010 to provide a comprehensive, team based approach to working with clients and their families to help them better achieve their goals and objectives.
Prior to joining Morgan Stanley, Lewis was employed by Neiman Marcus as an assistant buyer in their Dallas, Texas buying office. He has a Bachelor of Arts degree in Economics from Emory University in Atlanta, GA. Lewis and his wife Elyse make their home in Bellaire, Texas, with their three children, Aerin, Kendall, and Talia. Outside the office, Lewis is active in the community. He currently serves as the Chair of the Board for the Houston Jewish Community Foundation. Lewis is the past President of the Alumni Board of St. John’s School, and past Brotherhood President and board member of Congregation Emanu El. His hobbies include yoga, running, volunteering, photography, and traveling.
Securities Agent: NC, WA, OK, NM, IL, IA, OR, MA, CT, FL, CA, AR, UT, NJ, GA, PA, OH, LA, IN, MN, CO, AZ, VA, SC, NY, MO, DC, TX, ME, ID; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1252986
NMLS#: 1252986
About Joyce Bodenhamer
Joyce is a Senior Registered Client Service Associate for the Kalmans Group. She began her career in the financial industry with EF Hutton and has been with Morgan Stanley for 21 years. Joyce holds the FINRA Series 7 and 66 registrations.
After spending 10 years away from Houston, Joyce recently moved back to be close to her daughters who reside in the Houston area. She enjoys spending time with her children and traveling.
After spending 10 years away from Houston, Joyce recently moved back to be close to her daughters who reside in the Houston area. She enjoys spending time with her children and traveling.
About Michelle Katona
Michelle is a Registered Client Service Associate for the Kalmans Group. She has been with Morgan Stanley for 3 years. Michelle holds the FINRA Series 7 and 66 registrations.
Originally from Columbus, OH, Michelle recently moved to the Houston, TX area. She enjoys volunteering, beach volleyball, and playing classical piano.
Originally from Columbus, OH, Michelle recently moved to the Houston, TX area. She enjoys volunteering, beach volleyball, and playing classical piano.
Contact Lewis Kalmans
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
Ben Cucuzza
Private Banker
About Ben Cucuzza
Ben Cucuzza is a Private Banker serving Morgan Stanley Wealth Management offices in Texas.
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.
Ben began his career in financial services in 2005, and joined Morgan Stanley in 2022. Prior to joining the firm, he was an Affluent Segment Leader at Wells Fargo Bank, N.A.
Ben is a graduate of the University of Georgia, where he received a Bachelor of Business Administration in Marketing. He lives in Houston, Texas with his family. Outside of the office, Ben is involved in the Junior Achievement as well as the Big Brothers Big Sisters program. He also enjoys fishing, sports, and watching the Georgia Bulldogs.
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.
Ben began his career in financial services in 2005, and joined Morgan Stanley in 2022. Prior to joining the firm, he was an Affluent Segment Leader at Wells Fargo Bank, N.A.
Ben is a graduate of the University of Georgia, where he received a Bachelor of Business Administration in Marketing. He lives in Houston, Texas with his family. Outside of the office, Ben is involved in the Junior Achievement as well as the Big Brothers Big Sisters program. He also enjoys fishing, sports, and watching the Georgia Bulldogs.
NMLS#: 703137
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Kalmans Group today.
1Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
CRC 6491812 (04/2024)
