Samuel C Kenary, CPWA®
Senior Vice President, Financial Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(508) 751-5612(508) 751-5612
The Kenary Wealth Management Group at Morgan Stanley
Our Mission Statement
Support and strengthen the financial lives of our clients and their families with the four pillars of Wealth Management: Service, Financial Planning, Investment Management, and Financial Education.
A LETTER FROM SAM AND JIM:
Thank you for visiting The Kenary Wealth Management Group's website. We appreciate the opportunity to engage with you and share the resources we have assembled for you; we hope you find them valuable and informative.
The Kenary family has been in the wealth management business for four generations. Over the past 100+ years, we have been fortunate to work closely with multiple generations of our clients' families.
Our mission is to support and strengthen the financial lives of our clients and their families with the four pillars of Wealth Management: Service, Financial Planning, Investment Management, and Financial Education. Our process is designed to proactively provide you with the guidance and resources you need to achieve your financial goals.
We invite current clients to visit the "For Clients" tab where we highlight some of the key resources available to you. If you are new to our website and would like to learn more about the services we provide, please visit the "For Prospective Clients" tab.
We look forward to the important work that we will do together to achieve your financial goals. As always, we are just a phone call away: 508-751-5658.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our History
Recognition
Team Awards
• 2023, 2024, 2025 The Kenary Wealth Management Group named to Forbes Magazine’s list of Best-In-State Wealth Management Teams for Massachusetts
Individual Awards
• 2017, 2018, 2019, 2020, 2022, 2023 & 2024 James and Samuel Kenary named to Forbes Magazine's list of America's Best-in-State Wealth Advisors
• 2017-2023 James and Samuel Kenary named to Forbes Magazine's list of Top Next - Generation Wealth Advisors
Award Disclosures
• 2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to issuance of the award
• 2017-2020, 2022-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2017, 2018, 2019, 2020, 2022, 2023 & 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
• 2017-2023 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded 2017-2023) Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
• 2023, 2024, 2025 The Kenary Wealth Management Group named to Forbes Magazine’s list of Best-In-State Wealth Management Teams for Massachusetts
Individual Awards
• 2017, 2018, 2019, 2020, 2022, 2023 & 2024 James and Samuel Kenary named to Forbes Magazine's list of America's Best-in-State Wealth Advisors
• 2017-2023 James and Samuel Kenary named to Forbes Magazine's list of Top Next - Generation Wealth Advisors
Award Disclosures
• 2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to issuance of the award
• 2017-2020, 2022-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2017, 2018, 2019, 2020, 2022, 2023 & 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
• 2017-2023 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded 2017-2023) Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
In Focus
Seasonal topics and timely trends in the world of business & finance
Massachusetts Tax Law
Massachusetts passed a tax reform bill in 2023 impacting estate taxes and income tax filing, among other things. Click below for a recap of changes from the Governor’s office.
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Potential Estate Tax Changes
Barring action from Congress, the estate, gift and generation-skipping transfer tax exemptions will be cut in half beginning in 2026. There are steps that can be taken ahead of then that could help reduce estate taxes, please reach out if you think you might be impacted.
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AI @ Morgan Stanley
AI @ Morgan Stanley Debrief acts as notetaker, summarizer and first draft communication composer for client meetings, greatly enhancing efficiency and enabling scale for Advisors and their practices
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Money Market Funds
One of the biggest stories in recent years has been the rise of the money market funds, which now control about $6 trillion in assets in the U.S. But Andrew Sheets, Morgan Stanley's Global Head of Corporate Credit Research, thinks this could change in 2024 with expectations the Fed will at least hold rates steady and likely cut this year, indicating that now might be a good time to lock in higher yields for longer.
Listen Here
Cybersecurity Checklist
Whether it’s strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to help reduce the threat of identity theft, online scams, malware, fraud and more.
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The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read MoreFor Clients
Helpful resources for our valued clients
Financial Planning Matters
We host a monthly webinar series that addresses a variety of topics relevant to financial planning and investment management. Please join us on the second Tuesday of every month, from 11:30am to 12:00pm ET. Click below to see the schedule for the upcoming months.
Financial Planning Matters Syllabus
Financial Planning
As one of the pillars of our team, we place extra emphasis on the importance of planning for your future. Learn more about the personalized and dynamic wealth management strategy we can create for you and your family to help you prepare for a successful financial future.
Read More
Morgan Stanley Online
The Morgan Stanley Online (MSO) website and app acts as a home base to view your account balance and recent activity.
Within MSO you can:
* Approve wire transfers once enrolled in eAuthorization
* Send Money with Zelle®
* Manage everyday finances and track your spending
Login or Register for MSOWithin MSO you can:
* Approve wire transfers once enrolled in eAuthorization
* Send Money with Zelle®
* Manage everyday finances and track your spending
Total Wealth View
Through Morgan Stanley Online, Total Wealth View (TWV) gives you the ability to link and manage multiple financial accounts from different firms all in one place. This will allow you to conveniently see your entire wealth picture, analyze cash flows and benefit from more informed wealth planning.
Learn More
Safeguarding Your Assets
Morgan Stanley invests considerable funds and resources every year in the development, maintenance, and enhancement of programs and processes to protect your assets and personal information.
Learn More
Reserved Living & Giving
Morgan Stanley's loyalty program allows eligible clients access to exclusive offers and discounts from over 70 premium brands at no cost.
Sign In or EnrollFor Prospects
People often ask us how we support our clients. The spectrum of our services is wide; however, we're confident that, whatever your needs or questions are, our team is equipped to help. Below is just a sample of questions that we work to address with our clients. We encourage you to click on the "Questions We Help You Answer" link so you can see a more expansive list of what we often encounter when engaging with a new client.
- Are we on track with our finances? Are other families like ours doing anything different, that we should be considering?
- I just had a major life event (marriage, childbirth, divorce, loss). What do I need to be thinking about now?
- I'd like a second opinion of my current Investment Portfolio. Could my investments be better balanced? Is there a way to make my investments more tax efficient? Are my investments appropriate given my objectives?
- How should I think about setting financial goals for my family?
- I own a private business/ real estate holdings/ company stock options. Should this factor into my investment portfolio allocation?
Location
100 Front St
15th Fl
Worcester, MA 01608
US
Direct:
(508) 751-5658(508) 751-5658
Meet The Kenary Wealth Management Group
James B Kenary IV, CFP®, CIMA®
Executive Director, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Alternative Investments Director
Phone:
(508) 751-5610(508) 751-5610
Hannah Kenary Goode
Financial Advisor
Phone:
(508) 751-5675(508) 751-5675
Sun Ho Ma, CFP®, CIMA®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(508) 751-5650(508) 751-5650
Jeannine Lusignan
Portfolio Associate, Financial Planning Associate
Phone:
(508) 751-5658(508) 751-5658
Emily Kenary
Portfolio Associate, Financial Planning Associate
Phone:
(508) 751-5651(508) 751-5651
Kathleen Jones
Wealth Management Associate
Phone:
(508) 751-5622(508) 751-5622
About Samuel C Kenary
Sam manages our Group’s Financial Planning offerings.
Sam works with our clients, their accountants and attorneys, as well as Morgan Stanley’s Family Office Resources team to customize a holistic wealth management plan tailored to each client’s unique needs. This role encompasses work with clients on their most important goals including retirement planning, education planning, wealth transfer, philanthropic management, risk management, 401(k) solutions, and portfolio construction.
Sam is a graduate of Harvard University and joined Morgan Stanley in 2009. To further his education and to expand The Kenary Group’s services to high net worth clients, he earned Morgan Stanley’s “Family Wealth Director” designation and also the Certified Private Wealth Advisor designation through Investments & Wealth Institute® and the Booth School of Business. Both accreditation programs focus on delivering comprehensive wealth management solutions to affluent families.
Sam was previously an Associate Faculty Member with the Investments & Wealth Institute’s Certified Private Wealth Advisor® (CPWA®) program. In this role, he provided guidance to CPWA® candidates in the core topic areas of tax strategies and planning, portfolio management, executive compensation, retirement, charitable giving and estate planning.
Experiences that Sam has cherished outside of the office include his years earning the rank of Eagle Scout, his time on the Harvard Varsity Rowing team, and the 4 years he spent founding and running November Project Worcester. Sam lives in Northborough, MA with his wife Sarah and their two children. They enjoy working in their yard, reading, playing golf, and hiking.
Sam works with our clients, their accountants and attorneys, as well as Morgan Stanley’s Family Office Resources team to customize a holistic wealth management plan tailored to each client’s unique needs. This role encompasses work with clients on their most important goals including retirement planning, education planning, wealth transfer, philanthropic management, risk management, 401(k) solutions, and portfolio construction.
Sam is a graduate of Harvard University and joined Morgan Stanley in 2009. To further his education and to expand The Kenary Group’s services to high net worth clients, he earned Morgan Stanley’s “Family Wealth Director” designation and also the Certified Private Wealth Advisor designation through Investments & Wealth Institute® and the Booth School of Business. Both accreditation programs focus on delivering comprehensive wealth management solutions to affluent families.
Sam was previously an Associate Faculty Member with the Investments & Wealth Institute’s Certified Private Wealth Advisor® (CPWA®) program. In this role, he provided guidance to CPWA® candidates in the core topic areas of tax strategies and planning, portfolio management, executive compensation, retirement, charitable giving and estate planning.
Experiences that Sam has cherished outside of the office include his years earning the rank of Eagle Scout, his time on the Harvard Varsity Rowing team, and the 4 years he spent founding and running November Project Worcester. Sam lives in Northborough, MA with his wife Sarah and their two children. They enjoy working in their yard, reading, playing golf, and hiking.
Securities Agent: AZ, UT, TX, PA, MO, IL, DE, WI, NJ, CO, WA, SD, NC, AR, VA, LA, IN, CA, VT, SC, NY, MI, HI, MD, AK, NH, ME, MA, GA, FL, CT, WY, RI, NE, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1278750
NMLS#: 1278750
About James B Kenary IV
Jim oversees our Group's investment management process. Working side-by-side with Morgan Stanley's Capital Markets Teams, Jim spearheads an investment and portfolio construction process that results in individual portfolios tailored specifically to each client’s goals, risk parameters and time frames.
Jim joined Morgan Stanley in 2006 after graduating from Harvard University. He subsequently earned the highly respected CERTIFIED FINANCIAL PLANNER™ designation which qualifies him to provide clients with comprehensive strategies for reaching their most critical objectives. Jim was recognized in 2013 and 2014 as one of the “Top 40 Financial Advisors under the age of 40 in the U.S.” by Registered Rep., a leading financial industry publication.
Jim is an Eagle Scout and a Varsity Letter winner on the Harvard Rowing Team. Jim served on the Board of the Estate and Business Planning Council.
Jim lives in Wellesley, MA with his wife Blair and their three children.
Source: REP. magazine’s “Top 40 Wirehouse Advisors Under 40”, August 2014. Selected Financial Advisors are ranked exclusively by assets under management custodied at their firm. Only Financial Advisors for whom 80 percent or more of assets correspond to retail clients were eligible for the list. Financial Advisors should be under the age of 40 as of July 1, 2014. The rating is not indicative of the Financial Advisor's future performance. Neither the Financial Advisor nor Morgan Stanley Wealth Management pay a fee to REP. magazine in exchange for the ranking.
Jim joined Morgan Stanley in 2006 after graduating from Harvard University. He subsequently earned the highly respected CERTIFIED FINANCIAL PLANNER™ designation which qualifies him to provide clients with comprehensive strategies for reaching their most critical objectives. Jim was recognized in 2013 and 2014 as one of the “Top 40 Financial Advisors under the age of 40 in the U.S.” by Registered Rep., a leading financial industry publication.
Jim is an Eagle Scout and a Varsity Letter winner on the Harvard Rowing Team. Jim served on the Board of the Estate and Business Planning Council.
Jim lives in Wellesley, MA with his wife Blair and their three children.
Source: REP. magazine’s “Top 40 Wirehouse Advisors Under 40”, August 2014. Selected Financial Advisors are ranked exclusively by assets under management custodied at their firm. Only Financial Advisors for whom 80 percent or more of assets correspond to retail clients were eligible for the list. Financial Advisors should be under the age of 40 as of July 1, 2014. The rating is not indicative of the Financial Advisor's future performance. Neither the Financial Advisor nor Morgan Stanley Wealth Management pay a fee to REP. magazine in exchange for the ranking.
Securities Agent: AR, ME, MD, UT, OH, WA, TX, TN, PA, NY, GA, AK, WV, NH, NC, MO, IN, AZ, OR, NJ, FL, NM, LA, IA, HI, VA, SD, NE, KS, IL, WI, MI, WY, SC, DE, CO, CA, VT, RI, MA, CT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278670
NMLS#: 1278670
About Hannah Kenary Goode
Hannah joined The Kenary Wealth Management Group in 2022. In her role as Financial Advisor, Hannah focuses on implementing strategies that help clients reach their financial goals. She is particularly passionate about guiding women to financial confidence and independence.
Hannah also serves as the Team’s Director of Operations, overseeing day-to-day activities and large-scale initiatives to ensure resources are allocated in the most efficient and productive manner, in service to our clients.
Prior to joining Morgan Stanley, Hannah worked for 11 years at The Baupost Group where she was Manager of the Investor Services team. She graduated from Wellesley College and holds her Series 7 and Series 66 Licenses. Hannah lives in Weston with her husband, Rick, and their children. Outside of the office, she enjoys spending time with her family, golfing, gardening, and volunteering her time to the Weston Children’s Association.
Hannah also serves as the Team’s Director of Operations, overseeing day-to-day activities and large-scale initiatives to ensure resources are allocated in the most efficient and productive manner, in service to our clients.
Prior to joining Morgan Stanley, Hannah worked for 11 years at The Baupost Group where she was Manager of the Investor Services team. She graduated from Wellesley College and holds her Series 7 and Series 66 Licenses. Hannah lives in Weston with her husband, Rick, and their children. Outside of the office, she enjoys spending time with her family, golfing, gardening, and volunteering her time to the Weston Children’s Association.
Securities Agent: IA, NY, TX, ME, NH, MA, NJ, LA, AZ, WY, VA, SC, NC, MD, CO, WA, PA, CT, CA, MO, MI, HI, GA, FL, VT, RI, WI, IN, IL, DE, AK, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 2472663
NMLS#: 2472663
About Sun Ho Ma
Sun Ho joined the Kenary Wealth Management Group in 2019 as a Financial Advisor Associate. As a CERTIFIED FINANCIAL PLANNER™, Sun Ho works closely with Jim and Sam to deliver custom and detailed Financial Plans to clients.
Sun Ho joined Morgan Stanley in 2017 and received in-depth training through the 2 year Wealth Advisor Associate program at Morgan Stanley. During this period, he worked with Teams across New England in designing and implementing Financial Plans for high net worth families. As a graduate of this program, Sun Ho now serves as a mentor to members of Morgan Stanley’s Financial Planning Team in New England.
Using his technical training, Sun Ho works with clients to help them navigate through the complex world of family financial planning. The two major areas of this work include identifying a family’s most important and valued goals and aspirations, and implementing tailored wealth strategies that match the family’s unique goals.
Sun has developed a focus on Environmental, Social & Corporate Governance investing (ESG) and works closely with Morgan Stanley’s Impact Investing team to craft portfolios that reflect client’s values.
Prior to joining Morgan Stanley, Sun Ho was a Financial Advisor in Hartford Connecticut. In addition to the Series 7, 66, and Life & Health Insurance license, Sun Ho holds CERTIFIED FINANCIAL PLANNER™ designation and the Certified Investment Management Analyst® certification.
Sun Ho is a graduate of Trinity College with Bachelor of Science in Economics and a Minor in Environmental Science. Outside of work, Sun Ho can be found on the ice competing in Hockey Leagues in Worcester County. Sun Ho also enjoys going on hikes throughout Central Massachusetts with his Golden-doodle puppy named Bo.
Sun Ho joined Morgan Stanley in 2017 and received in-depth training through the 2 year Wealth Advisor Associate program at Morgan Stanley. During this period, he worked with Teams across New England in designing and implementing Financial Plans for high net worth families. As a graduate of this program, Sun Ho now serves as a mentor to members of Morgan Stanley’s Financial Planning Team in New England.
Using his technical training, Sun Ho works with clients to help them navigate through the complex world of family financial planning. The two major areas of this work include identifying a family’s most important and valued goals and aspirations, and implementing tailored wealth strategies that match the family’s unique goals.
Sun has developed a focus on Environmental, Social & Corporate Governance investing (ESG) and works closely with Morgan Stanley’s Impact Investing team to craft portfolios that reflect client’s values.
Prior to joining Morgan Stanley, Sun Ho was a Financial Advisor in Hartford Connecticut. In addition to the Series 7, 66, and Life & Health Insurance license, Sun Ho holds CERTIFIED FINANCIAL PLANNER™ designation and the Certified Investment Management Analyst® certification.
Sun Ho is a graduate of Trinity College with Bachelor of Science in Economics and a Minor in Environmental Science. Outside of work, Sun Ho can be found on the ice competing in Hockey Leagues in Worcester County. Sun Ho also enjoys going on hikes throughout Central Massachusetts with his Golden-doodle puppy named Bo.
Securities Agent: PA, SD, WI, SC, NY, IN, TX, RI, WA, IL, IA, HI, GA, FL, DE, CO, NC, MI, CT, VT, VA, MD, MA, AZ, AK, NJ, LA, CA, WY, NH, MO, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1903860
NMLS#: 1903860
About Jeannine Lusignan
For over 25 years, Jeannine has worked closely with our Group's client families to ensure that the administration of their financial lives is run with precision and ease.
Jeannine is known for her abilities to handle complex service matters with clients and their tax and legal professionals. Estate administration, cash management services, cost basis research, retirement plan management, and tax matters are all areas of clients’ lives to which Jeannine delivers decades of experience and the resources of Morgan Stanley. Additionally, Jeannine serves as a Notary Public. Clients count on Jeannine as a 'go-to' professional in their lives.
A native of the Worcester area, Jeannine is an active member of the Hamilton Rod and Gun Club in Sturbridge. She enjoys travelling the country on her Harley Davidson with her husband of 40 years. They have three grown children and six grandchildren.
Jeannine is known for her abilities to handle complex service matters with clients and their tax and legal professionals. Estate administration, cash management services, cost basis research, retirement plan management, and tax matters are all areas of clients’ lives to which Jeannine delivers decades of experience and the resources of Morgan Stanley. Additionally, Jeannine serves as a Notary Public. Clients count on Jeannine as a 'go-to' professional in their lives.
A native of the Worcester area, Jeannine is an active member of the Hamilton Rod and Gun Club in Sturbridge. She enjoys travelling the country on her Harley Davidson with her husband of 40 years. They have three grown children and six grandchildren.
About Emily Kenary
Emily coordinates and implements the service offering for our Group's Financial Planning and Investment Advisory business segments. In this role she manages client communications, contact management, scheduling, and retirement account administration. An adept user of Morgan Stanley's technology platforms, Emily works with clients to ensure that they benefit from Morgan Stanley's comprehensive client website, mobile app, and online virtual planning tools.
Emily joined Morgan Stanley as a Registered Associate on a Wealth Management team in her native Springfield, MA in 2008. Prior to this she held a similar role at UBS Financial Services. Emily joined The Kenary Wealth Management Group in 2013.
Emily is a graduate of University of Massachusetts, Dartmouth with a BFA in Photography and Electronic Imaging. In addition to being a talented and professionally trained photographer, Emily enjoys the outdoors, gardening, and spending time with her husband Hank and their two cats.
Emily joined Morgan Stanley as a Registered Associate on a Wealth Management team in her native Springfield, MA in 2008. Prior to this she held a similar role at UBS Financial Services. Emily joined The Kenary Wealth Management Group in 2013.
Emily is a graduate of University of Massachusetts, Dartmouth with a BFA in Photography and Electronic Imaging. In addition to being a talented and professionally trained photographer, Emily enjoys the outdoors, gardening, and spending time with her husband Hank and their two cats.
About Kathleen Jones
Kathleen joined The Kenary Wealth Management Group in 2023 and brings 25 years of experience as a financial services industry professional. She is responsible for client outreach, account onboarding, account administration, and other essential client service matters.
Kathleen has a variety of specializations that together provide an exceptional client experience, including retirement account administration, Morgan Stanley Online engagement, and client profile management. She also works alongside Emily to implement the service offering of our Group’s Financial Planning and Investment Advisory business segments.
Prior to joining Morgan Stanley, she was a Senior Client Associate at Bank of America Merrill Lynch in Boston. Kathleen is a graduate of Boston University with a Bachelor’s degree in political science. She resides in Holden, MA, with her husband and son.
Kathleen has a variety of specializations that together provide an exceptional client experience, including retirement account administration, Morgan Stanley Online engagement, and client profile management. She also works alongside Emily to implement the service offering of our Group’s Financial Planning and Investment Advisory business segments.
Prior to joining Morgan Stanley, she was a Senior Client Associate at Bank of America Merrill Lynch in Boston. Kathleen is a graduate of Boston University with a Bachelor’s degree in political science. She resides in Holden, MA, with her husband and son.
Contact Samuel C Kenary
Contact James B Kenary IV
Contact Hannah Kenary Goode
Contact Sun Ho Ma
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
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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
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Kenary Wealth Management Group today.
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1Morgan 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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Awards Disclosures
1Morgan 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
