First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(281) 717-1452(281) 717-1452
The Kitzman Group at Morgan Stanley
Direct:
(281) 717-1450(281) 717-1450
Our Mission Statement
To Help Clients Achieve Financial Independence
Our Story and Services
When you shop for fine clothing, you can buy something off the rack or have it custom made. The same concept holds true regarding financial services. You can either receive a financial plan and investments that are “off the shelf” or you can have a comprehensive financial plan and prudent investments expressly tailored to your unique needs.
When you entrust your wealth with the Kitzman Group, you receive a custom experience every step throughout your relationship with us. The Kitzman Group is founded on the belief that no two investors are alike and that all investors deserve the highest level of custom personal service and support in pursuing financial independence.
The story of the Kitzman Group begins with senior member Charley Kitzman. With more than three decades of experience in financial services, Charley focuses virtually all of his time on meticulously researching securities, closely tracking the markets and carefully managing each client’s portfolio.
For 25 years, Charley handled all the responsibilities associated with client portfolios, from planning to relationship management. In 2016, Andrea Smith teamed with Charley to create financial plans and handle relationship management. In 2019, Michael Moore joined the Group to assist Charley and Andrea.
You can learn more about Charley, Andrea and Michael by reading their biographies on this website.
When you entrust your wealth with the Kitzman Group, you receive a custom experience every step throughout your relationship with us. The Kitzman Group is founded on the belief that no two investors are alike and that all investors deserve the highest level of custom personal service and support in pursuing financial independence.
The story of the Kitzman Group begins with senior member Charley Kitzman. With more than three decades of experience in financial services, Charley focuses virtually all of his time on meticulously researching securities, closely tracking the markets and carefully managing each client’s portfolio.
For 25 years, Charley handled all the responsibilities associated with client portfolios, from planning to relationship management. In 2016, Andrea Smith teamed with Charley to create financial plans and handle relationship management. In 2019, Michael Moore joined the Group to assist Charley and Andrea.
You can learn more about Charley, Andrea and Michael by reading their biographies on this website.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Working with the Kitzman Group is easy. We will have an extensive conversation with you to determine precisely where you are today financially and where you would like to be tomorrow. We will help you set realistic goals and provide you with an honest assessment of your prevailing financial situation and long-term prospects.
We take the time to get to know you in great depth during this process, not only by asking important questions but listening to you intently. Andrea is particularly adept at helping clients feel very comfortable sharing personal financial details that are so integral to the planning process. She and Michael especially enjoy educating clients and their extended family about investments and financial concepts.
Overall, we at the Kitzman Group strongly believe the better we know you, the better we can tailor a custom financial plan and prudent long-term investment strategy to your unique needs and financial goals -- whether you are in the asset accumulation stage, close to retirement or already retired.
We take the time to get to know you in great depth during this process, not only by asking important questions but listening to you intently. Andrea is particularly adept at helping clients feel very comfortable sharing personal financial details that are so integral to the planning process. She and Michael especially enjoy educating clients and their extended family about investments and financial concepts.
Overall, we at the Kitzman Group strongly believe the better we know you, the better we can tailor a custom financial plan and prudent long-term investment strategy to your unique needs and financial goals -- whether you are in the asset accumulation stage, close to retirement or already retired.
Beyond Your Investment Portfolio
At the Kitzman Group, our work with clients is so far-reaching that we frequently uncover needs that many of them have yet to consider. In addition to providing traditional money management services, here are a few other services we provide.
Risk Analysis
We take a full balance-sheet approach to your finances, analyzing both your assets and liabilities. We perform a complete risk analysis and make recommendations on how you can protect yourself and your family.
Estate Planning
We review estate documents, such as will and trust accounts, to evaluate your estate planning needs.
Retirement Planning
We review your asset allocation in your company retirement plans.
Executive Trading
We provide advice to executives regarding their restricted stock and stock options.
Tax Advice
While we are not tax professionals, we offer sound advice on tax minimization strategies. We can reposition investments to take full advantage of tax law provisions and will gladly work with your tax and legal advisors to help you meet your financial goals.
Referrals
Should you need advice from a tax or legal professionals, you will be happy to know that we have many professional relationships with highly qualified tax and legal professionals. We would certainly be pleased to make a recommendation on your behalf, if needed.
Our Investment Process
In selecting investments and managing each client’s portfolio, Charley Kitzman leverages the global capabilities of Morgan Stanley as well as third-party research resources that he has relied on for decades. Additionally, given his vast investment experience, Charley employs alternative investment options in addition to traditional equities and fixed-income investments to help clients achieve their goals.
To select investments for client portfolios, Charley starts with a universe of stocks and fixed-income securities that meet his strict criteria for investment consideration. From there, he allocates assets based on each investment’s relative strength to the market. He invests in securities across all industries and asset classes, giving clients the diversification they need to help minimize portfolio risk.
To select investments for client portfolios, Charley starts with a universe of stocks and fixed-income securities that meet his strict criteria for investment consideration. From there, he allocates assets based on each investment’s relative strength to the market. He invests in securities across all industries and asset classes, giving clients the diversification they need to help minimize portfolio risk.
Our Service Commitment to You
At the Kitzman Group, relationship management is a high priority. Once you become our client, we will meet with you as often as you wish to discuss your wealth management plan. In addition, we will help you adjust your investment strategy as your needs and goals change.
Andrea and Michael are available to answer your questions every business day. Charley invites clients to schedule time with him to obtain specific investment-related details regarding their portfolio.
Andrea and Michael are available to answer your questions every business day. Charley invites clients to schedule time with him to obtain specific investment-related details regarding their portfolio.
Location
15021 Katy Freeway
Ste 650
Houston, TX 77094
US
Direct:
(281) 717-1450(281) 717-1450
Meet The Kitzman Group
Phone:
(281) 717-1450(281) 717-1450
Phone:
(713) 858-3215(713) 858-3215
Kimberly Ferrin
Senior Registered Associate
Phone:
(281) 717-1442(281) 717-1442
About Charles A Kitzman
Charley Kitzman is a First Vice President -- Wealth Management Financial Advisor and Portfolio Management Director of the Kitzman Group at Morgan Stanley in Houston, Texas. He has more than three decades of experience in financial services, mostly with Morgan Stanley and predecessor firms. Given his long tenure at the firm, Charley is highly adept at leveraging Morgan Stanley’s vast resources and global capabilities to the advantage of the Group’s clients.
Charley offers clients an uncommon level of custom money management. Employing a highly disciplined approach, he meticulously creates his own diversified investment portfolios and manages them rigorously to help clients achieve their unique financial goals within their desired time frame.
To select investments for his portfolios, Charley starts with a universe of stocks and fixed-income securities that meet his strict criteria for investment consideration. From there, he allocates assets based on each investment’s relative strength to the market. He invests in securities across all industries and asset classes.
While Charley’s management approach is extremely labor intensive (he even takes calls from clients), it helps ensure investors will have a portfolio that truly reflects their unique needs and goals at all times and helps to address any number of specific needs they may have.
Charley is a graduate of Texas Lutheran University, where he earned a Bachelor of Arts in Administrative Management and Marketing. Prior to joining Morgan Stanley he was a bank loan officer and mortgage professional, so his financial services experience extends beyond the world of investments.
In his free time, Charley is actively involved in his community. He particularly enjoys helping children succeed. For approximately 20 years, he has volunteered at the Houston Livestock Show and Rodeo, helping to raise much-needed scholarship money for local high school students with dreams of higher education. Charley and his lovely wife, Mariann are members of the Texas Children’s Ambassador Club, which supports the medical needs of children who deserve a healthy lifestyle. Charley and Mariann have been married for over 40 years.
Charley Kitzman
Financial Advisor
NMLS # 1265271
Asset allocation, diversification and rebalancing do not assure a profit or protect against loss. There may be a potential tax implication with a rebalancing strategy. Please consult your tax advisor before implementing such a strategy.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
CRC 3869916
Charley offers clients an uncommon level of custom money management. Employing a highly disciplined approach, he meticulously creates his own diversified investment portfolios and manages them rigorously to help clients achieve their unique financial goals within their desired time frame.
To select investments for his portfolios, Charley starts with a universe of stocks and fixed-income securities that meet his strict criteria for investment consideration. From there, he allocates assets based on each investment’s relative strength to the market. He invests in securities across all industries and asset classes.
While Charley’s management approach is extremely labor intensive (he even takes calls from clients), it helps ensure investors will have a portfolio that truly reflects their unique needs and goals at all times and helps to address any number of specific needs they may have.
Charley is a graduate of Texas Lutheran University, where he earned a Bachelor of Arts in Administrative Management and Marketing. Prior to joining Morgan Stanley he was a bank loan officer and mortgage professional, so his financial services experience extends beyond the world of investments.
In his free time, Charley is actively involved in his community. He particularly enjoys helping children succeed. For approximately 20 years, he has volunteered at the Houston Livestock Show and Rodeo, helping to raise much-needed scholarship money for local high school students with dreams of higher education. Charley and his lovely wife, Mariann are members of the Texas Children’s Ambassador Club, which supports the medical needs of children who deserve a healthy lifestyle. Charley and Mariann have been married for over 40 years.
Charley Kitzman
Financial Advisor
NMLS # 1265271
Asset allocation, diversification and rebalancing do not assure a profit or protect against loss. There may be a potential tax implication with a rebalancing strategy. Please consult your tax advisor before implementing such a strategy.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
CRC 3869916
Securities Agent: NE, CA, NY, GA, TX, CO, MT, DE, NJ, NC, LA, FL, AL, OK, MO, KY, IL, OR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265271
NMLS#: 1265271
About Andrea Smith
Andrea Smith is a Financial Advisor with Morgan Stanley in Houston, Texas. She has more than two decades of experience in financial services. Prior to joining the firm, she worked at Wells Fargo, where she oversaw the private banking needs of the bank’s affluent clientele.
Andrea serves a diverse group of investors, most notably high-net-worth individuals, business owners and professionals. Many of her clients include pre-retirees and retirees. She is extremely committed to building strong relationships with clients and providing an uncommon level of personal service in helping them achieve their unique goals.
Known for her caring, personable demeanor, Andrea is highly adept at creating comprehensive financial plans. She is also extremely proficient at educating clients about their plan and articulating her rationale for specific strategies in a succinct manner they can easily understand.
Andrea’s caring spirit shows early in a relationship. When creating financial plans, she does more than collect vital facts; she gets to know her clients on a deeply personal level, which often results in the identification of needs they didn’t even know they had.
“I look at investors as more than clients,” she says. “I want them to feel I am extension of their family. I want to give them the greater confidence they deserve.
To that end, Andrea encourages her clients to ask questions and contact her as often as needed. She believes the more comfortable investors are with her, the more confident they will be adhering to her carefully created long-term plan through all market and economic environments -- and the more their relationship will grow.
A Texas native, Andrea holds a Bachelor of Science degree in Psychology from the University of Houston. She is a strong believer in giving back to the community. Currently, she tutors adults who need assistance in improving their literacy and becoming self- sufficient.
She loves spending time with her daughter and her family. When time permits, she enjoys traveling, playing tennis and attending sporting events.
Andrea Smith
Financial Advisor
NMLS#687191
CRC 5791807 | 01/25
Andrea serves a diverse group of investors, most notably high-net-worth individuals, business owners and professionals. Many of her clients include pre-retirees and retirees. She is extremely committed to building strong relationships with clients and providing an uncommon level of personal service in helping them achieve their unique goals.
Known for her caring, personable demeanor, Andrea is highly adept at creating comprehensive financial plans. She is also extremely proficient at educating clients about their plan and articulating her rationale for specific strategies in a succinct manner they can easily understand.
Andrea’s caring spirit shows early in a relationship. When creating financial plans, she does more than collect vital facts; she gets to know her clients on a deeply personal level, which often results in the identification of needs they didn’t even know they had.
“I look at investors as more than clients,” she says. “I want them to feel I am extension of their family. I want to give them the greater confidence they deserve.
To that end, Andrea encourages her clients to ask questions and contact her as often as needed. She believes the more comfortable investors are with her, the more confident they will be adhering to her carefully created long-term plan through all market and economic environments -- and the more their relationship will grow.
A Texas native, Andrea holds a Bachelor of Science degree in Psychology from the University of Houston. She is a strong believer in giving back to the community. Currently, she tutors adults who need assistance in improving their literacy and becoming self- sufficient.
She loves spending time with her daughter and her family. When time permits, she enjoys traveling, playing tennis and attending sporting events.
Andrea Smith
Financial Advisor
NMLS#687191
CRC 5791807 | 01/25
Securities Agent: MD, GA, UT, OR, NY, DE, TX, OH, NJ, MO, KY, NM, MS, VA, IL, CA, NC, FL, AL, MT, CO, OK, LA, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 687191
NMLS#: 687191
About Michael Moore
Michael plays a major role in The Kitzman Group’s portfolio management and financial planning efforts. He works closely with team founder Charles Kitzman to analyze asset classes and economic sectors for relative strength in prevailing markets. The analytics he provides directly impacts the structure of the portfolios under management with the Kitzman Group. Michael began his Morgan Stanley career as a Wealth Advisor associate, developing client financial plans for numerous Financial Advisors in the Morgan Stanley Houston Complex. The plans he creates go far beyond investments to encompass such diverse disciplines as retirement, estate planning strategies, lending, and risk management.
A Native Houstonian, Michael Grew up in the financial services business, with family who encouraged Michael to pursue his dream. Michael Interned at Morgan Stanley while attending Texas State University. After graduating with a degree in Finance, he joined the firm full time.
Outside the office, Michael is an active member of his Houston community. He volunteers with the Houston Food Bank and joins his teammates in supporting Camp for All, an organization dedicated to helping children with challenging illnesses to enjoy a summer camp experience. He is also an avid foodie who enjoys exploring the city’s booming food scene and burning off the resulting calories by running and playing tennis.
A Native Houstonian, Michael Grew up in the financial services business, with family who encouraged Michael to pursue his dream. Michael Interned at Morgan Stanley while attending Texas State University. After graduating with a degree in Finance, he joined the firm full time.
Outside the office, Michael is an active member of his Houston community. He volunteers with the Houston Food Bank and joins his teammates in supporting Camp for All, an organization dedicated to helping children with challenging illnesses to enjoy a summer camp experience. He is also an avid foodie who enjoys exploring the city’s booming food scene and burning off the resulting calories by running and playing tennis.
Securities Agent: KY, CA, NY, NC, MA, DE, AR, VA, AZ, WI, OK, NM, TX, DC, SC, IN, MO, MI, GA, CO, AL, OR, MT, FL, MD, WA, UT, NJ, LA, KS, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1535069
NMLS#: 1535069
Contact Charles A Kitzman
Contact Andrea Smith
Contact Michael Moore
Wealth Management
From Our Team
Understanding Your Retirement Plan Options When You Leave a Job
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?
Article Image
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Kitzman Group today.
1Morgan 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.
2Morgan 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.
3Morgan 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.
4When 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.
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 and other legal matters.
6Morgan 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
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
2Morgan 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.
3Morgan 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.
4When 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.
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 and other legal matters.
6Morgan 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
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
