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
We have dedicated our practice to providing financial advice to the automotive industry, with a primary focus on managing investments for dealer reinsurance structures. Our mission is to showcase that thoughtful investing matters, and intentional advice can help your business become a strategic legacy.
Investment Management for Auto Dealer Reinsurance Portfolios
The Kasper Group brings 30+ years of combined experience working with automotive dealers nationwide.
A reinsurance company is one of the most powerful vehicles available to a dealer. We understand the intricacies of reinsurance, and our goal is to create a customized financial plan that positions your reinsurance portfolio as a meaningful pillar of your net worth.
Built on our team's focus and commitment to our clients, we hand-craft portfolios that are unique to you and your business. As we begin working together, you can expect a comprehensive approach that compliments your dealership's distinct ecosystem as well as your personal financial goals. In practice, that means your investments can adapt right along with your dealership's needs.
We also coordinate directly with our industry partners to create a unified team and a seamless experience, from inception through exit strategy. Our clients can rely on our automotive network, as we are active members of many auto-industry organizations, and we attend regular conferences as a commitment to our thought leadership.
We believe that a dealership is more than just a business. It is a family legacy built on hard work, trust, and service to the community. As a multigenerational family practice, we understand that the value of your work extends beyond the balance sheet. Our family values of honesty, loyalty, and honor guide the way we serve clients.
Every relationship we build is treated with the integrity and care you would expect from a family business. We take pride in building long-term relationships focused on helping you manage your wealth today and for the next generation. You can count on us to pick up the phone, visit your showrooms, and sit at your table to discuss what matters most.
Our core areas of experience include:
- Controlled Foreign Corporations (CFC)
- Dealer Owned Warranty Companies (DOWC)
- Non-controlled Foreign Corporations (NCFC)
- Hybrid Structures
- Captive Insurance
We are very proud to work at Morgan Stanley, where we are supported by the scale, resources, and institutional research of a true global powerhouse. That support helps us deliver thoughtful insights, advanced tools and capabilities, and a broad range of solutions to support your goals.
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.
Investment Management
Our team is agnostic to working with many corporate automotive structures, including but not limited to…
- Dealer Owned Warranty Companies (DOWC)
- Controlled Foreign Corporations (CFC)
- Non-Controlled Foreign Corporations (NCFC)
- Producer Affiliated Reinsurance Companies (PARC)
- "Super CFC", "DOWC Re", and other emerging hybrid structures
- Captive Insurance (Single Parent and Group Captive)
Our knowledge and experience working with these varying structures give us an enhanced perspective on the inception, ongoing management, and exit strategies available to create a streamlined experience.
Graystone Consulting
An institutional consulting business of Morgan Stanley, our internal partnership with Greystone Consulting strives to deliver the best of both worlds: the personalized service of a consulting boutique, and the institutional resources of a global financial powerhouse.
Institutional Trust Services
Our trustee platform is "open architecture," meaning we have access to provide you with access to select an appropriate third-party corporate trustee for your trust account. Trust specialists within Morgan Stanley analyze client situations and can suggest a fiduciary solution for your needs and goals. Our platform offers connectivity to help ensure a smooth trustee relationship.
Corporate Cash management
We bring Morgan Stanley's decades of experience and thought leadership in these markets. This empowers us to take your individual liquidity objective into consideration through our operating cash solutions. These solutions integrate with your investment portfolio to consistently evaluate the bigger picture through execution, reporting and consistent vigilance.
Portfolio Risk Platfrom
Morgan Stanley's Portfolio Risk Platform (PRP) is a state-of-the-art, innovative risk engine used by several of the world's largest institutional asset managers. PRP showcases comprehensive risk analytics and a sophisticated view of risk/return across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
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.
HELPING FAMILIES FIND FINANCIAL FREEDOM
We are a family business afterall. It is a passion of ours to help other families plan for their financial future. The client experience is always top of mind, and we want to deliver truly great service to everyone we work with. We are grateful to our clients, our network, and our team at Morgan Stanley.
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.
NMLS # : 521603
Tim married his wife Elaine in 1992. Together they have two daughters, Megan and Jessica. In his free time Tim enjoys exercise and fishing.
NMLS # : 521603
Securities Agent: PA, MN, IL, GA, CA, WV, NY, AL, NM, CO, AZ, NE, ND, MT, DE, TX, IA, KS, FL, WI, RI, NV, MI, SC, NJ, IN, TN, MO, ID, NC, MA, KY, CT, OH; 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: FL, IA, MT, MN, AL, PA, IN, GA, CT, CO, WI, NY, NV, KY, DE, TX, NJ, MO, MI, MA, KS, WV, TN, RI, NE, SC, OH, ND, IL, ID, NM, NC, CA, AZ; 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
Mark Jansen
Family Office Resources Generalist
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.
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.
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
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
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
Small Business Retirement Plans
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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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC 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.
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.
6Morgan 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.
7Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
8When 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
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
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC 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.
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.
6Morgan 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.
7Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
8When 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
