Jonathan E Klausner
Managing Director, Wealth Management, Financial Advisor
Phone:
(317) 818-7374(317) 818-7374
The Klausner Duffy DiSalvo Investment Group at Morgan Stanley
Jonathan E KlausnerJohn M DuffyDerek E DiSalvoJustin Klausner, CFP®Jennifer MargasonCaryn WilkinsonPatrick Lamey, CFP®Carly Taylor
Direct:
(317) 818-7300(317) 818-7300
Toll-Free:
(888) 930-0159(888) 930-0159
Our Mission Statement
We are focused on working with our clients and their families in the accumulation and preservation of capital. We are widely recognized as being industry leaders in our ability to help solve complex financial situations to achieve an objective.
Welcome
The Klausner Duffy DiSalvo Investment Group traces its beginning back to 1958, when Jack Klausner began his career as a Financial Advisor with Thompson McKinnon, Inc. Jack worked tirelessly on behalf of his clients; both individuals and institutions, to bring them the highest level of service and integrity. Jack’s son, Daniel, joined the business in 1986 and formally became a team with his father in 1988. Thompson McKinnon was acquired shortly after by Prudential Bache, where Jon Joined the Team in 1992 after beginning his career in Atlanta, GA with the same firm.
In 1997, the Team began working with John Duffy, who was already building his business in the Indianapolis area. John brought a fresh outlook to the Team and a relentless pursuit of attracting high quality clients. The prospects of fully-merging businesses became a reality in 2000, and together the Team spent 11 years at UBS Financial Services, Inc. where both Jack and Daniel chose to retire. Also, within that timeframe, Derek DiSalvo completed a rigorous training stint with UBS in Detroit and L.A. He ultimately chose Indianapolis and the Klausner & Duffy Investment Group to call home.
Today, the Team consists of four advisors: John, Jon, Derek and Jon’s son, Justin Klausner, who joined the KDD Group in 2017. Justin joined after spending some time in Denver, working for Janus and obtaining his CFP. In addition to these four, the Team welcomed Patrick Lamey on board in 2021. Patrick serves as a Wealth Management Associate and maintains his CFP. A first-class support staff assists the Team with all thing’s client centric. They include: Jenny Margason, Caryn Wilkinson and Carly Taylor. These three have nearly 35 years of combined service with the KDD Group.
The Klausner Duffy & DiSalvo Group at Morgan Stanley is proud to have been named one of Forbes Best-In-State Wealth Management Teams for 2023 & 2024, as well as Forbes America's Top Wealth Management Teams for 2023.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/24.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
In 1997, the Team began working with John Duffy, who was already building his business in the Indianapolis area. John brought a fresh outlook to the Team and a relentless pursuit of attracting high quality clients. The prospects of fully-merging businesses became a reality in 2000, and together the Team spent 11 years at UBS Financial Services, Inc. where both Jack and Daniel chose to retire. Also, within that timeframe, Derek DiSalvo completed a rigorous training stint with UBS in Detroit and L.A. He ultimately chose Indianapolis and the Klausner & Duffy Investment Group to call home.
Today, the Team consists of four advisors: John, Jon, Derek and Jon’s son, Justin Klausner, who joined the KDD Group in 2017. Justin joined after spending some time in Denver, working for Janus and obtaining his CFP. In addition to these four, the Team welcomed Patrick Lamey on board in 2021. Patrick serves as a Wealth Management Associate and maintains his CFP. A first-class support staff assists the Team with all thing’s client centric. They include: Jenny Margason, Caryn Wilkinson and Carly Taylor. These three have nearly 35 years of combined service with the KDD Group.
The Klausner Duffy & DiSalvo Group at Morgan Stanley is proud to have been named one of Forbes Best-In-State Wealth Management Teams for 2023 & 2024, as well as Forbes America's Top Wealth Management Teams for 2023.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/24.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
As your dedicated wealth management team, we are focused on working with you and your family to help you accumulate and preserve your capital. We strive to be industry leaders in focus our ability to solve complex financial situations to help clients achieve their objectives.
Step 1: Detailed Discovery & Analysis
Our primary directive from the onset of our relationship is to establish a deep understanding of your priorities. A cornerstone of our method is analyzing your entire financial position and current investment strategy. This is a crucial step in our process and allows us to develop a clear path to your goals.
Step 2: Financial Plan & Portfolio Design
After establishing your objectives, we form a custom financial plan designed with your ambitions in mind. We also construct a portfolio that works in tandem with the personalized financial plan to align with your risk tolerance and time horizon.
Step 3: Recommendations
Through our knowledge and insight in capital markets and portfolio constructions, we will present a customized strategy that is tailored to help meet your complex financial objectives. This generally may include a review of your projected cash flow and an outline of the investment changes recommended to help reach your goals. Our focus in this step is to ensure that the prepared strategy aligns with your manner of thinking, so we can take a cohesive approach in the execution.
Step 4: Implementation
This step is concentrated on establishing a prioritized schedule for implementation actions with time-targeted objectives we have outlined in your financial plan. After completing a detailed assessment of your plan, we execute the prepared investment strategy.
OUR SUITE OF SERVICES
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver strategies tailored to meet all of your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth management brings all the aspects of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Estate & Philanthropic Planning Strategies
Delivering an estate to the next generation of wealth or favorite charity requires more attention than is often recognized. We can coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designations.
Portfolio Management
As your Portfolio Managers, we will use our discretion to identify an investment strategy tailored to fit all of your needs. We will work collaboratively to customize a specific strategy that adapts to changes in your personal and professional life.
Institutional Services
We offer both Institutional Investment Consulting and Foundation and Endowment Management.
Retirement Planning
Our team will work with you to understand what your priorities are and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or managing your assets when already in retirement, our team is equipped with the knowledge and tools to help you accomplish your personal and financial goal.
Cash Management
As our client, you will have access to a comprehensive suite of cash management solutions. We can help to manage your cash alongside your long-term investments.
Digital Tools
Morgan Stanley is at the forefront of technology in the financial services industry. As a part of our services, these resources are readily available for our clients to utilize.
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.
Learn More About MSO
Goals-Based Planning
Working with us, paired with our technology, you'll be able to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn More About GPS
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is amongst our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital Vault
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About MS Reserved
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More About Total Wealth ViewAwards & Recognition
Forbes America's Top Wealth Management Teams 2023, 2024
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
Forbes Best-In-State Wealth Management Teams 2023-2024
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Location
800 East 96 St
Ste 400
Indianapolis, IN 46240
US
Direct:
(317) 818-7300(317) 818-7300
Toll-Free:
(888) 930-0159(888) 930-0159
Meet The Klausner Duffy DiSalvo Investment Group
John M Duffy
Managing Director, Wealth Management, Financial Advisor
Phone:
(317) 818-7378(317) 818-7378
Derek E DiSalvo
Executive Director, Wealth Management, Financial Advisor
Phone:
(317) 818-7380(317) 818-7380
Justin Klausner, CFP®
Financial Advisor
Phone:
(317) 818-7423(317) 818-7423
Jennifer Margason
Business Development Associate, Financial Planning Specialist
Phone:
(317) 818-7399(317) 818-7399
Caryn Wilkinson
Business Development Associate, Financial Planning Specialist
Phone:
(317) 818-7388(317) 818-7388
Patrick Lamey, CFP®
Wealth Management Associate
Phone:
(317) 587-8106(317) 587-8106
Carly Taylor
Senior Registered Client Services Associate
Phone:
(317) 818-7373(317) 818-7373
About Jonathan E Klausner
Jonathan began his career in the financial services business in Atlanta, GA in 1990 with Prudential-Bache. Prior to his role at Morgan Stanley, Jonathan served as Senior Vice President-Investments at UBS Financial Services Inc. His area of focus resides in assisting clients with accumulating, preserving and transferring their wealth. Jon has been named one of Barron’s Top 1200 Advisors Nationwide 2014-present. Additionally, he has been named to Forbes Top Wealth Advisors Nationwide 2021-2022, and the team was a 2024 Forbes Best-in-State Wealth Management Team. Jon is a graduate of Indiana University-Bloomington with a Bachelor of Science degree in Economics. Jon and his wife, Heidi, have three children: Justin, Samantha and Madison and reside in Carmel, IN.
2014-2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2021-2022 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2021-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Forbes Best-In-State Wealth Management Teams 2024
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
For more information on the ranking methodology for the award(s) listed, go to https://www.morganstanley.com/disclosures/awards-disclosure.html
2014-2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2021-2022 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2021-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Forbes Best-In-State Wealth Management Teams 2024
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
For more information on the ranking methodology for the award(s) listed, go to https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: CA, SC, MO, MI, VA, NM, IN, NJ, ND, HI, FL, AL, WI, TX, TN, OH, IA, PA, OR, IL, GA, NY, MN, CT, OK, NH, MD, KY, CO, AZ, WY, LA, DC, NV, NC, MA, DE, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1274565
NMLS#: 1274565
About John M Duffy
John brings to his Morgan Stanley clients, over 31 years of investment brokerage and asset management experience. During his career, he has worked with affluent and emerging affluent families and individuals in the development and implementation of customized investment portfolios to help meet their specific needs. Areas of concentration include bond portfolio structuring and management; stock and option portfolio management; hedging and liquidation strategies for concentrated equity positions, and general investment needs. John is a graduate of the University of Indianapolis earning a degree in Business and Communications. He served on the Board of Bishop Simon Brute Seminary for 11 years, the last 4 as Board Chair. He has been a Cabinet Member for the last two 100mm+ Archdiocesan Capital Campaigns and served as Athletic Director for St. Simon for 4 years. Presently he serves on the Executive Committee for the Indiana High School Lacrosse Association.
John and his wife Melissa live in Indianapolis, IN and have three children, Lauren, Martin and Michael.
John, a Managing Director for Morgan Stanley, has been listed as a Barron's Top 1,200 Financial Advisors Nationally every year since 2014-2024. The Klausner Duffy & DiSalvo Group at Morgan Stanley is proud to have been named one of Forbes Best-In-State Wealth Management Teams for 2023 and 2024.
2014-2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams 2023,2024
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
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.
John and his wife Melissa live in Indianapolis, IN and have three children, Lauren, Martin and Michael.
John, a Managing Director for Morgan Stanley, has been listed as a Barron's Top 1,200 Financial Advisors Nationally every year since 2014-2024. The Klausner Duffy & DiSalvo Group at Morgan Stanley is proud to have been named one of Forbes Best-In-State Wealth Management Teams for 2023 and 2024.
2014-2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams 2023,2024
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
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.
Securities Agent: UT, CT, WY, WA, NV, NH, MA, KY, CO, AL, TX, MO, IA, DE, WV, OK, NY, LA, IL, GA, WI, TN, OR, VA, OH, NJ, ND, HI, AZ, SC, CA, MN, MI, PA, FL, NM, NC, MD, IN, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1279071
NMLS#: 1279071
About Derek E DiSalvo
Derek began his career at UBS Financial Services, Inc. in 2008 as part of the Firms Associate Program. Through advanced training and time spent as a Municipal Bond Analyst, he developed skills in stock and bond portfolio construction, portfolio risk management, cash flow models, and financial forecasting. Derek has worked with the team since 2010. In 2014, he joined Jon Klausner and John Duffy, as one of the lead advisors of the Klausner Duffy DiSalvo Investment Group. He is an integral part of our team in providing financial reviews, risk assessment, and portfolio implementation. Derek is a graduate of Miami University in Oxford Ohio where he earned a Bachelor’s Degree in Business Finance, with a Minor in Economics and Psychology. He, his wife Brittany, and his four son’s Brecken, Callum, Hayes, and Holden reside in Indianapolis, IN.
Derek was named as a Top Next Gen Advisor in 2017 and 2018 by Forbes, as well as a Top Next Gen Advisor State-by-State in 2020-2023 by Forbes.
2017-2018, 2020-2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2017-2018, 2020-2023). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Derek was named as a Top Next Gen Advisor in 2017 and 2018 by Forbes, as well as a Top Next Gen Advisor State-by-State in 2020-2023 by Forbes.
2017-2018, 2020-2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2017-2018, 2020-2023). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: OK, CO, OH, MO, MI, IL, WA, NY, NJ, MA, FL, NH, MT, MN, MD, HI, CA, AL, OR, IA, DE, AZ, WY, VA, PA, ND, KY, DC, SC, NM, NC, CT, NV, TN, IN, GA, WI, TX, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1279523
NMLS#: 1279523
About Justin Klausner
Justin began his career in Denver, Colorado working for Janus Henderson Group. While living in Denver, he sat for and passed the Certified Financial Planner™ exam and obtained his official CFP ® designation in September 2019.
Upon joining the team in 2017, Justin worked as an analyst prior to becoming an advisor. Justin graduated from Miami University in Oxford, Ohio in May of 2016, where he earned a Bachelor’s Degree in Economics.
Justin, his wife Meghan, and son Jules currently reside in Indianapolis, IN.
Upon joining the team in 2017, Justin worked as an analyst prior to becoming an advisor. Justin graduated from Miami University in Oxford, Ohio in May of 2016, where he earned a Bachelor’s Degree in Economics.
Justin, his wife Meghan, and son Jules currently reside in Indianapolis, IN.
Securities Agent: ND, CT, TN, NY, NM, NH, MA, IN, IL, DC, CO, VA, OR, IA, FL, WA, UT, OK, OH, NJ, PA, NV, MN, LA, KY, AR, SC, MO, HI, WY, MI, AZ, AL, GA, CA, WI, TX, NC, MD, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 2274467
NMLS#: 2274467
About Jennifer Margason
Jenny has over 25 years of client service and investment brokerage experience that she brings to the Klausner Duffy DiSalvo Investment Group and their clients. Jenny began her career on the investment trading and execution side of the brokerage business and from there she grew into a Financial Planning Specialist and Portfolio Associate roles, which she enjoys today. Her desire is to provide an excellent, high touch, personal service experience to the Klausner Duffy DiSalvo groups’ clientele. She holds the Series 7, Series 63 and 65 license designations, allowing her the ability to accept trade instructions from clients in addition to her administrative responsibilities. Jenny and her husband Bill stay actively involved in their local church, as well as volunteering their time in the community. The Margasons reside on the south side of Indianapolis. They have three children, Robby, Tyler and Samantha.
About Caryn Wilkinson
Caryn has worked in the brokerage industry since 1995. She gained experience in training and operations while beginning her career at Charles Schwab. In 2006, Caryn joined the Klausner & Duffy Investment group at UBS Financial Services Inc. as a Registered Client Service Associate. She is now a Portfolio Associate and holds the Series 7, Series 63 and Series 66 license, allowing her to accept trade instructions from clients. Her area of focus resides in assisting the team with marketing and research, college saving plans and charitable gifting accounts. Caryn has a Bachelor's Degree in Marketing from Indiana University Kelley School of Business. Caryn has two children, Abby and Aiden, and resides in Fishers, IN.
About Patrick Lamey, CFP®
Patrick serves as the Wealth Management Associate for the Klausner Duffy & DiSalvo Group.
Patrick started his career here at Morgan Stanley in 2016 as a Wealth Advisory Associate in Indianapolis where he specialized in constructing financial plans. After two years in this role, he transitioned to a position as a financial advisor in his hometown office of Evansville, Indiana. In 2019 Patrick recognized he wanted to concentrate on financial planning and returned to Indianapolis as a planner and analyst for a registered investment advisor that specialized in working with dentists and dental practices. During his time there, he sat for and passed the Certified Financial Planner™ exam in October 2020. Additionally, Patrick holds his Series 7 and Series 66 licenses.
Patrick joined the Klausner Duffy DiSalvo Group as an analyst in July of 2021. He earned a Bachelor’s Degree in Business Administration from Xavier University in Cincinnati and lives in downtown Indianapolis.
Patrick started his career here at Morgan Stanley in 2016 as a Wealth Advisory Associate in Indianapolis where he specialized in constructing financial plans. After two years in this role, he transitioned to a position as a financial advisor in his hometown office of Evansville, Indiana. In 2019 Patrick recognized he wanted to concentrate on financial planning and returned to Indianapolis as a planner and analyst for a registered investment advisor that specialized in working with dentists and dental practices. During his time there, he sat for and passed the Certified Financial Planner™ exam in October 2020. Additionally, Patrick holds his Series 7 and Series 66 licenses.
Patrick joined the Klausner Duffy DiSalvo Group as an analyst in July of 2021. He earned a Bachelor’s Degree in Business Administration from Xavier University in Cincinnati and lives in downtown Indianapolis.
Securities Agent: FL, IL, IN, KY, OH; Investment Advisor Representative; General Securities Representative
About Carly Taylor
Carly serves as the Registered Client Service Associate for the Klausner Duffy DiSalvo Group. Her responsibilities include assisting clients regarding their accounts, administrative duties, and tasks related to daily operations.
Carly began working at Morgan Stanley in March of 2022. She attended Indiana Wesleyan University and has a background in education. Carly holds both her Series 7 and Series 66 licenses.
Carly lives near downtown Indianapolis. In her free time, she enjoys reading and spending time outdoors.
Carly began working at Morgan Stanley in March of 2022. She attended Indiana Wesleyan University and has a background in education. Carly holds both her Series 7 and Series 66 licenses.
Carly lives near downtown Indianapolis. In her free time, she enjoys reading and spending time outdoors.
Contact Jonathan E Klausner
Contact John M Duffy
Contact Derek E DiSalvo
Contact Justin Klausner
Wealth Management
From Our Team
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
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Ready to start a conversation? Contact The Klausner Duffy DiSalvo Investment 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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*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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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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)
