Thomas Kinslow
Senior Vice President, Financial Advisor
Phone:
(610) 430-1055(610) 430-1055
The Kinslow Group at Morgan Stanley
Direct:
(610) 892-4401(610) 892-4401
Our Mission Statement
What does white glove client service look like?
Where every client receives the utmost care and attention. Our mission is to empower our clients to achieve financial prosperity and security by delivering tailored strategies, exceptional guidance, and unwavering commitment to their financial well-being
Where every client receives the utmost care and attention. Our mission is to empower our clients to achieve financial prosperity and security by delivering tailored strategies, exceptional guidance, and unwavering commitment to their financial well-being
The Kinslow Group Story
The Kinslow Group is a multi-generational team located in Newtown Square, Pennsylvania, servicing client families in the Greater Philadelphia area and in over 20 states nationally.
Our 30+ years of combined experience with the intricacies of UHNW and HNW families has become an invaluable asset that we bring to each and every client relationship. As advisors, navigating families through the many financial complexities of life is the cornerstone of our practice and the trust our clients bestow in us to be stewards of capital has created a thriving team that continues to grow and attract new relationships.
Clients and their families can be assured that all facets of their financial lives will be thoroughly analyzed and strategized around. On their behalf, we focus on wealth accumulation and investment management, large liquidity events and exit strategies, tax management, estate planning, philanthropy and legacy planning – All pieces of the puzzle that we can help you create.
Through professional financial planning and a focus on the big picture, we work tirelessly to help achieve financial milestones and meaningful outcomes for our clients.
At its core, the Kinslow Group is a collaborative and respected advisory team that embraces the responsibility of piloting our clients financial lives through any market environment. We take great pride in this role and look forward to serving our client’s needs for decades to come.
Our 30+ years of combined experience with the intricacies of UHNW and HNW families has become an invaluable asset that we bring to each and every client relationship. As advisors, navigating families through the many financial complexities of life is the cornerstone of our practice and the trust our clients bestow in us to be stewards of capital has created a thriving team that continues to grow and attract new relationships.
Clients and their families can be assured that all facets of their financial lives will be thoroughly analyzed and strategized around. On their behalf, we focus on wealth accumulation and investment management, large liquidity events and exit strategies, tax management, estate planning, philanthropy and legacy planning – All pieces of the puzzle that we can help you create.
Through professional financial planning and a focus on the big picture, we work tirelessly to help achieve financial milestones and meaningful outcomes for our clients.
At its core, the Kinslow Group is a collaborative and respected advisory team that embraces the responsibility of piloting our clients financial lives through any market environment. We take great pride in this role and look forward to serving our client’s needs for decades to come.
Services Include
- Wealth PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Alternative InvestmentsFootnote3
- Cash Management and Lending ProductsFootnote4
- Business Succession PlanningFootnote5
- Retirement PlanningFootnote6
- Trust AccountsFootnote7
- Estate Planning StrategiesFootnote8
- Endowments and FoundationsFootnote9
- Planning for Education FundingFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
By your side through all of life's milestones
We work with a wide span of multigenerational clients. Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services to you and your loved ones.
Our clients work with us to create a holistic roadmap of goals and aspirations and we guide them to achieve these goals through the twists and turns of life's many events.
Our clients work with us to create a holistic roadmap of goals and aspirations and we guide them to achieve these goals through the twists and turns of life's many events.
We'll see you through:
- Planning for Retirement
- Family and Legacy Planning
- Family Risk Management
- Education Planning
- Exit Strategy Around Your Business
- Achieving Your Philanthropic Goals
Our clients include:
- Families spanning multiple generations
- Family-owned Businesses
- Business Owners
- Corporate Executives
- Affluent Professionals
- Referrals from our existing clients
The Kinslow Group Approach
At The Kinslow Group at Morgan Stanley, we provide our clients with comprehensive tools and advice to help you meet your goals. We spend the time to really get to know you, your family, and your unique goals to create a plan that is specialized to you. We hone in on where you are, where you want to be, and how we can help get you there.
Working with us means that you will have a Certified Financial Planner™ by your side to help ensure the utmost excellence in creating a plan for you. Brian Sanford, CFP® takes great pride in catering each financial plan to each of our clients for every stage of their lives.
Working with us means that you will have a Certified Financial Planner™ by your side to help ensure the utmost excellence in creating a plan for you. Brian Sanford, CFP® takes great pride in catering each financial plan to each of our clients for every stage of their lives.
1) Introductions
We begin with an informal conversation to understand your financial concerns and determine how our team can add value. We will then schedule a meeting either at our office or virtually and request important financial information, so that we can really take a deep dive into your financial picture
Benefit of working with a CFP®
Working with a Certified Financial Planner™, you are choosing a dedicated professional who is held at high standards; who marks their continued education to provide you with the most current and relevant advice, and who has a deep and broad understanding of the various aspects of financial planning. Overall, working with a CFP® can provide you with confidence that your financial advisor has the education, training, ethical standards, and ongoing commitment to provide you with the best possible advice for your wellbeing and future.
2) Getting to Know You
We continue the dialogue by fostering an in-depth conversation where I learn about the values that shape your decisions, review the information you’ve prepared from our Financial Planning Questionnaire, and define your and your family's priorities.
Planning For You
Before creating a plan, we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial goals. Fill out this questionnaire below and send it to us before we meet so we can take a deep dive.
Financial Planning Questionnaire
3) Plan Development
Here, we review your finances, determine the likelihood of reaching your goals and address the impact of unexpected life events. Based on our comprehensive analysis, we’ll develop and present a detailed action plan with recommendations tailored to help achieve your goals.
Managing Risk
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Portfolio Risk Platform
4) Implementation
Once we activate your plan, we’ll set up a number of meetings to help ensure your account is set up properly and you have convenient access to your account. We’ll keep you involved through each step of your financial journey.
MODERN WEALTH MANAGEMENT TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
See Your Full Financial Picture
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Protect Your Family
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Learn About Storing SecurelyMorgan Stanley Resources
Enjoy your life the way you deserve to. With our suite of resources for select investors, we can incorporate services into your routine that will benefit your quality of life for years to come. Highlighted here are a few of the many resources we offer:
Family Office Resources
Family Office Resources (FOR) is a helpful resource that provides specialized technical expertise to ultra-high net worth advisors and clients across a broad range of family wealth management issues.
Learn more about Family Office Resources
Signature Access
Signature Access, the highest tier of Morgan Stanley’s complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
Signature Access Log-in
Travel and Concierge Services
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients designed to provide benefits beyond traditional wealth management services. We and our clients utilize the travel and concierge services offered to enjoy discounts, VIP upgrades, dedicated concierges, and more. Check it out here!
Travel Offers
Staying Cybersafe on Vacation
Going on vacation? You may be on a break, but cybercriminals aren't. Use these tips to help ensure you return home with your cybersecurity intact.
Vacation Safety
Cybercrime Preparedness
Was your email hacked? Your Social Security Number stolen? Do you know how to respond? Learn the steps to take if and when your identity, account, device or information is compromised.
What To Do If You've Been Hacked
Protecting Your Smart Device
Smart devices, we can’t live without them. They know our voices, our search history, and much more. This can present security risks. Here’s how to protect yourself:
Protect Your Devices
Cybersecurity for College Students
College students may not be too concerned about being a victim of hackers, but they may be a prime target. Find out why cybercriminals may prey on students and how they can protect themselves.
Student Cyber SafetyLocation
3803 West Chester Pike
Ste 200
Newtown Square, PA 19073
US
Direct:
(610) 892-4401(610) 892-4401
Meet The Kinslow Group
Phone:
(610) 892-4401(610) 892-4401
Renee Patton
Senior Registered Associate
Phone:
(610) 430-1927(610) 430-1927
About Thomas Kinslow
Tom graduated from Penn State University as a Finance Major and joined Morgan Stanley in 2000.
Well before joining the firm, Tom was a self-taught investor and portfolio manager which inspired him to go into the industry. He enjoys providing insight on the markets to his clients and being someone they can turn to with all matters in their financial lives. He cares about people and his clients, and feels a personal responsibility to be an always reliable, knowledgeable resource.
"I believe anyone can be a successful investor. Most people don't have the time to be or the knowledge of the markets. I fill that need for people; to have someone who can build an effective portfolio and have the expertise for it."
Outside of portfolio management, Tom is an avid golfer and skier and also enjoys biking, hiking and sightseeing.
Tom lives with his wife of 33 years, Christine. They have two adult children, Colin who is a graduate of the University of Utah and lives in Salt Lake City, and their daughter, Katarina, who is a graduate of the University of Arizona and lives in Phoenix.
Well before joining the firm, Tom was a self-taught investor and portfolio manager which inspired him to go into the industry. He enjoys providing insight on the markets to his clients and being someone they can turn to with all matters in their financial lives. He cares about people and his clients, and feels a personal responsibility to be an always reliable, knowledgeable resource.
"I believe anyone can be a successful investor. Most people don't have the time to be or the knowledge of the markets. I fill that need for people; to have someone who can build an effective portfolio and have the expertise for it."
Outside of portfolio management, Tom is an avid golfer and skier and also enjoys biking, hiking and sightseeing.
Tom lives with his wife of 33 years, Christine. They have two adult children, Colin who is a graduate of the University of Utah and lives in Salt Lake City, and their daughter, Katarina, who is a graduate of the University of Arizona and lives in Phoenix.
Securities Agent: NJ, AZ, CO, PR, NC, GA, NV, OH, FL, VA, PA, CA, WA, TX, NY, DE, UT, IN, IL, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1272971
NMLS#: 1272971
About Brian J. Sanford
Brian was born and raised in Binghamton, NY, and currently resides in Springfield, PA with his wife Brittany and 3 wonderful kids, Maxon, Gavin, and Cabrey. He is a graduate of the University of Scranton with a degree in International Business.
Brian joined a Wall Street firm (J.P. Morgan) directly out of college and was initially in a much different role working with institutional clients in emerging markets. As his career progressed, he naturally gravitated toward interactions and relationships that were focused on individual clients. A shift to Wealth Management and financial advising was a seamless transition and he's never looked back.
Helping clients navigate the complexities of their financial lives and being a confidant to them throughout the many phases of their lives, and those of their children and grandchildren, is extremely rewarding to him. He thoroughly enjoys sharing his experience with his clients, a dedicated advisor who they turn to for financial decisions and advice.
"My passion is being the puzzle solver for our clients- taking the many pieces and helping our clients fit them together in an effort to achieve their hopes and dreams, not only for themselves but for their loved ones as well."
To Brian, giving back is a must. Written on the wall of his alma mater is one of his favorite quotes to this day. "0f Those To Whom Much is Given, Much is Expected." Brian and his team enjoy volunteering at local food pantries and donating to veterans affairs.
Outside of work, Brian and his wife stay active and live healthy lifestyles. They enjoy going to the beach in the summer months to recharge and going to live music and sporting events whenever possible. Brian is also an avid golfer and runner. More recently, he has been coaching his kids' various sports teams, which has become a very rewarding experience for him.
Brian joined a Wall Street firm (J.P. Morgan) directly out of college and was initially in a much different role working with institutional clients in emerging markets. As his career progressed, he naturally gravitated toward interactions and relationships that were focused on individual clients. A shift to Wealth Management and financial advising was a seamless transition and he's never looked back.
Helping clients navigate the complexities of their financial lives and being a confidant to them throughout the many phases of their lives, and those of their children and grandchildren, is extremely rewarding to him. He thoroughly enjoys sharing his experience with his clients, a dedicated advisor who they turn to for financial decisions and advice.
"My passion is being the puzzle solver for our clients- taking the many pieces and helping our clients fit them together in an effort to achieve their hopes and dreams, not only for themselves but for their loved ones as well."
To Brian, giving back is a must. Written on the wall of his alma mater is one of his favorite quotes to this day. "0f Those To Whom Much is Given, Much is Expected." Brian and his team enjoy volunteering at local food pantries and donating to veterans affairs.
Outside of work, Brian and his wife stay active and live healthy lifestyles. They enjoy going to the beach in the summer months to recharge and going to live music and sporting events whenever possible. Brian is also an avid golfer and runner. More recently, he has been coaching his kids' various sports teams, which has become a very rewarding experience for him.
NMLS#: 1284230
About Renee Patton
Renee takes initiative to offer excellent customer service when strategizing financial decisions with clients and provides informed assistance to help them navigate investments and financial planning.
She has over 30 years of experience in financial services and takes pride in helping the team’s clients achieve their financial goals.
Renee is earnest about assisting clients with anything they encounter, and has continued her education in the field of finance, holding series 7, 63, 9 & 10 licenses.
In her personal life, Renee devotes her time to caring for abandoned animals, gardening, sketching and painting, and is a nature lover who enjoys hiking, camping, fishing and the beach.
She has over 30 years of experience in financial services and takes pride in helping the team’s clients achieve their financial goals.
Renee is earnest about assisting clients with anything they encounter, and has continued her education in the field of finance, holding series 7, 63, 9 & 10 licenses.
In her personal life, Renee devotes her time to caring for abandoned animals, gardening, sketching and painting, and is a nature lover who enjoys hiking, camping, fishing and the beach.
Contact Thomas Kinslow
Contact Brian J. Sanford
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
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
Ready to start a conversation? Contact The Kinslow Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Alternative 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.
4Morgan 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
5Morgan 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.
6When 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.
7Morgan 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.
8Morgan 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 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.
10When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Alternative 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.
4Morgan 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
5Morgan 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.
6When 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.
7Morgan 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.
8Morgan 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 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.
10When 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
