Timothy Kasper, CFP®
Financial Advisor, Senior Vice President
Phone:
(954) 713-8469(954) 713-8469
The Kasper Group at Morgan Stanley
Direct:
(954) 892-0073(954) 892-0073
Our Mission Statement
The Kasper Group at Morgan Stanley manages assets for Franchised Auto Dealers nationwide. Their mission is to simple: to showcase that investing matters. Through Reinsurance, DOWC, and more, they help dealers create a legacy for generations to come through investing.
The Kasper Group has 20 years of experience working with franchised automotive dealers nationwide.
The Kasper Group provides tailored wealth management strategies to franchised auto dealers nationwide. As financial advisors, backed by the power of Morgan Stanley, their main area of focus is managing assets for Vehicle Service Contract Companies (VSCCs).
Tim and Megan take a hands-on, comprehensive approach to be a resource for dealers, as well as other F&I providers. Utilizing their knowledge and experience, they are agnostic to working with all VSCC structures, including but not limited to...
- Dealer Owned Warranty Companies (DOWC)
- Non-Controlled Foreign Corporations (NCFC)
- Controlled Foreign Corporations (CFC)
- Producer Affiliated Reinsurance Companies (PARC)
- Captive Insurance
The Team's methodology is to provide bespoke wealth management strategies that help manage risk-adjusted returns. They help facilitate partnerships with dealers, agents and administrators through the inception of a VSCC, as well as taking an active role through ongoing management. Their goal is to have clients see better success in their VSCC through investing, and it is their priority to do so at a competitive cost.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
One stop shop for dealers
The Kasper Group provides Franchised Auto Dealers with a one stop shop by helping to manage their vehicle service contract companies as well as a variety of other services tailored to their unique needs.
Graystone Consulting
An institutional consulting business of Morgan Stanley, focused on providing you with holistic, objective advice and strive to be your trusted partner by delivering the best of two worlds to you: the personalized service of a consulting boutique, and the resources of a global financial powerhouse.
Investment Management
TIm and Megan work with a multitude of different corporate structures including but not limited to; Dealer Owned Warranty Companies, Reinsurance, and Captive Insurance. We also partner with a number of Third Party Administrators and Agents. Our experience working with these varying structures gives us an enhanced perspective on the inception, ongoing management, and exit strategies available to create an experience custom to our dealer clients.
Portfolio Risk Platfrom
Morgan Stanley's Portfolio Risk Platform (PRP) is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world's largest institutional asset managers. Providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Corporate Cash management
Tim and Megan bring Morgan Stanley's decades of experience and thought leadership in these markets. This allows them to offer our clients and unparalleled standard of excellence and clients experience, in reporting and execution.
Institutional Trust Services
Our trustee platform is "open architecture," meaning that we provide you with access and ability to select an appropriate third-party corporate trustee for your trust account. Trust Specialists, within Morgan Stanley, analyze client situations and then suggest a fiduciary solution for your needs and goal.
Ultra High Net Worth Clients
Our team Services a network of Ultra High Net Worth Clients to whom we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley's substantial global resources.
Alternative Investments
Our leading alternatives platform offers 160+ 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.
Private placements
Morgan Stanley Private Markets brings together a broad range of private markets solutions to comprehensively service client needs. Check out the brochure below to learn more!
Concentrated Stock Strategies
If you have a concentrated stock position from and inheritance, employment stock grant or through building your own position over time, you may want to seek to protect yourself against market declines by diversifying your portfolio.
Outsourced Chief Investment Office (OCIO)
An outsourced chief investment office, or OCIO, acts as an in-house chief investment officer, and connects you and your clients with personalized, institutional investment professionals, resources and dedicated support staff. We leverage the Firm's extensive investment experience, robust research platform and technology to support your needs and vision for your clients.
Tax Management Strategies
While taxes are top of mind for all investors, active tax management of an investment portfolio as a wealth planning tool is typically a passive consideration for most. Asset allocation and product selection are the primary drivers of investment results on a pretax basis; however, after-tax results can vary greatly depending on the tax treatment of those investment decisions.
Dealer Families / Estate Planning
The key to determining which trust, tax and estate strategies to execute is to understand the interplay of personal and exogenous factors. Liquidity events such as an initial public offering or a merger or acquisition may provide income and estate planning opportunities. Liquidity events also magnify the need to put in place or update certain essential estate planning documents.
CUSTOMIZED CORPORATE RETIREMENT ADVISORY SERVICES
The Kasper Group works with Business Owners looking for 401k solutions; ranging from simplifying the monitering of risk all the way to taking the load off their back allowing them to narrowing down their responsibility so they can focus on their Business.
Financial Wellness
This program empowers company employees at every stage of their career to achieve their financial goals through a strong foundation of education, advice and wealth management solutions designed to make addressing finances a source of wellness, not a source of stress.
Plan Sponsor Fiduciary Responsibility
By making the decision to offer your employees a qualified retirement plan, you have taken a crucial step toward helping them prepare for a financially secure retirement. With this decision, however, comes certain additional responsibilities.
Fiduciary Liability 3(21) v 3(38)
Plan sponsors hire a third party, such as a financial advisor, to provide investment advice as an ERISA 3(21) fiduciary or to take responsibility for the management or disposition of the plan assets. As an ERISA 3(38) investment manager, they need to understand how these engagements can assist them in carrying out fiduciary duties.
Morgan Stanley at Work
Morgan Stanley at Work helps build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of workplace solutions. Morgan Stanley at Work solutions include innovative workplace offerings for companies and employees across equity compensation, financial wellness and retirement solutions.
2024 Tax Tables
To help prepare you for the 2024 tax year, we have published the 2024 Tax Tables for your reference.
Washington Retirement Update
A summary of key legislative and regulatory developments affecting retirement savings.
Location
350 East Las Olas Blvd
Ft Lauderdale, FL 33301
US
Direct:
(954) 892-0073(954) 892-0073
Meet The Kasper Group
Megan Kasper
Financial Advisor
Phone:
(303) 595-2049(303) 595-2049
Daniel J. Abrahamsohn
Senior Registered Client Service Associate
Phone:
(954) 713-8465(954) 713-8465
About Timothy Kasper
Timothy Kasper, CFP® is a Financial Advisor with Morgan Stanley, focusing on wealth management for franchised auto dealers. With a Bachelor’s degree in Business Administration from the University of Florida, Tim combines a strong foundation in business principles, 25 years of experience in the financial services industry, and the strength of Morgan Stanley to help clients achieve their long term goals.
Tim married his wife Elaine in 1992. Together they have two daughters, Megan and Jessica. In his free time Tim enjoys exercise and fishing.
Tim married his wife Elaine in 1992. Together they have two daughters, Megan and Jessica. In his free time Tim enjoys exercise and fishing.
Securities Agent: IL, CT, WI, RI, NV, MI, NE, ND, TX, FL, AL, WV, PA, OH, MN, GA, CA, NY, NM, CO, SC, NJ, IN, MT, DE, TN, MO, ID, NC, MA, KY; General Securities Representative; Investment Advisor Representative
About Megan Kasper
The Kasper Group provides tailored wealth management strategies to franchised auto dealers nationwide. While we provide all of the services offered by Morgan Stanley, our area of focus is overseeing assets for Vehicle Service Contract Companies.
Our scale allows us to offer extremely competitive pricing along with customized reporting around performance, asset allocation, and other pertinent information. In addition, our experience helps us to be consultative with clients. For example, we take a risk-focused, agnostic approach to help dealers manage their VSCC, whether that would be a Dealer Owned Warranty Company, a Controlled Foreign Corporation, or a Non-Controlled Foreign Corporation. We advise dealers through inception of these structures and have an active role in ongoing management to help achieve the desired result.
Our scale allows us to offer extremely competitive pricing along with customized reporting around performance, asset allocation, and other pertinent information. In addition, our experience helps us to be consultative with clients. For example, we take a risk-focused, agnostic approach to help dealers manage their VSCC, whether that would be a Dealer Owned Warranty Company, a Controlled Foreign Corporation, or a Non-Controlled Foreign Corporation. We advise dealers through inception of these structures and have an active role in ongoing management to help achieve the desired result.
Securities Agent: TN, MN, MA, FL, NM, WI, CO, NE, ND, IL, OH, MI, WV, NJ, ID, GA, AL, MO, IN, TX, SC, NY, NV, KY, RI, CT, CA, DE, MT, PA, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1934829
NMLS#: 1934829
About Daniel J. Abrahamsohn
It is evident that Daniel is committed to helping his clients achieve their financial goals and is admired for his ability to navigate the complexities of the market.
As a prior student-athlete, Daniel has received a bachelor’s degree in Sport Management as well as a graduate degree in Organizational Leadership from Palm Beach Atlantic University. He has been building his career in the financial services industry for the past 10 years. Daniel previously worked at Ameriprise in their Private Wealth Management Division, after concluding his 8-year tenure at Wells Fargo. In 2023, Daniel officially started his career with Morgan Stanley Wealth Management here in Fort Lauderdale. He has obtained the necessary licenses and certifications including Series 7, Series 63, Series 65, and 2-15 Resident Health & Life.
Throughout his career, Daniel has built strong relationships with clients based on trust, integrity, and transparency. He understands the importance of effective communication and actively listens to clients' concerns, questions, and feedback. By fostering open and honest dialogue, Daniel ensures that clients are well-informed and confident in their financial decisions. In addition to his client-focused approach and first-class customer service, Daniel is known for his ability to collaborate effectively with a team of financial professionals. He leverages the resources and expertise available to provide comprehensive solutions to deliver a seamless client experience. He believes in the power of teamwork and strives to exceed client expectations through proactive and diligent service.
Beyond his professional responsibilities, Daniel is actively engaged in his community. He lived in West Palm Beach for 15 years and he is excited to be an official resident of Fort Lauderdale as of the summer of 2023. When Daniel is not in the office he enjoys traveling, playing soccer, staying active, snowboarding, watching sports, spending time with family, and is forever working on his golf game.
As a prior student-athlete, Daniel has received a bachelor’s degree in Sport Management as well as a graduate degree in Organizational Leadership from Palm Beach Atlantic University. He has been building his career in the financial services industry for the past 10 years. Daniel previously worked at Ameriprise in their Private Wealth Management Division, after concluding his 8-year tenure at Wells Fargo. In 2023, Daniel officially started his career with Morgan Stanley Wealth Management here in Fort Lauderdale. He has obtained the necessary licenses and certifications including Series 7, Series 63, Series 65, and 2-15 Resident Health & Life.
Throughout his career, Daniel has built strong relationships with clients based on trust, integrity, and transparency. He understands the importance of effective communication and actively listens to clients' concerns, questions, and feedback. By fostering open and honest dialogue, Daniel ensures that clients are well-informed and confident in their financial decisions. In addition to his client-focused approach and first-class customer service, Daniel is known for his ability to collaborate effectively with a team of financial professionals. He leverages the resources and expertise available to provide comprehensive solutions to deliver a seamless client experience. He believes in the power of teamwork and strives to exceed client expectations through proactive and diligent service.
Beyond his professional responsibilities, Daniel is actively engaged in his community. He lived in West Palm Beach for 15 years and he is excited to be an official resident of Fort Lauderdale as of the summer of 2023. When Daniel is not in the office he enjoys traveling, playing soccer, staying active, snowboarding, watching sports, spending time with family, and is forever working on his golf game.
Contact Timothy Kasper
Contact Megan Kasper
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
Bill Burnett
Trust Specialist
Mark Jansen
Family Office Resources Generalist
About Bill Burnett
As Executive Director and Trust Specialist, Bill is responsible for helping Financial Advisors, clients, prospects and the legal community to understand and utilize Morgan Stanley’s Trust Services and its “open architecture” corporate trustee platform. He’s available to meet with clients, conduct conference calls, review trust documents and explain to estate planning attorneys the numerous fiduciary solutions our platform can provide. Bill covers the Southeast region and is based in West Palm Beach, FL.
Bill has over 25 years of experience as a comprehensive wealth advisor developing trust and investment management relationships with families, business owners, executives and institutions. Bill cultivated this experience at firms such as Northern Trust, BNY Mellon, The Private Bank at Bank of America, and Merrill Lynch. He holds the Certified Financial Planner (CFP®) and Certified Investment Management Analyst (CIMA®) professional designations. He is a graduate of the University of North Texas with a Bachelor of Arts degree in Interpersonal Communications and Public Address and earned his way through college on a soccer scholarship. He has lived in Florida since 1994.
Bill has over 25 years of experience as a comprehensive wealth advisor developing trust and investment management relationships with families, business owners, executives and institutions. Bill cultivated this experience at firms such as Northern Trust, BNY Mellon, The Private Bank at Bank of America, and Merrill Lynch. He holds the Certified Financial Planner (CFP®) and Certified Investment Management Analyst (CIMA®) professional designations. He is a graduate of the University of North Texas with a Bachelor of Arts degree in Interpersonal Communications and Public Address and earned his way through college on a soccer scholarship. He has lived in Florida since 1994.
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
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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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 Kasper Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
3When 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.
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 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.
6Morgan 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.
7When 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.
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.
9Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
3When 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.
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 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.
6Morgan 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.
7When 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.
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.
9Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
