Michael Kosik
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(732) 389-5148(732) 389-5148
The Kosik Doucette Group at Morgan Stanley
Direct:
(732) 389-5148(732) 389-5148
Direct:
(813) 286-5636(813) 286-5636
Our Mission Statement
To keep you on track to your financial goals and ultimately achieve them without undue stress and unnecessary risk
Welcome
Over the 30+ years in which we've been managing clients' assets, we've learned several truths that continue to guide our actions:
• Speculating is not a way to reach your financial goals. Someone else's idea of a "hot stock" or other security isn't necessarily ours
• Emotion is too often the enemy of solid investment performance • Some people worry about achieving their financial goals even after they've already achieved them. Other people set goals that aren't always realistic. Put another way, some people assume too much risk for their personal situation, while others might be assuming too little.
At The Kosik Doucette Group, we help clients determine how much risk is truly appropriate for where they are in life and where they hope to be someday. We're a team of experienced financial professionals with the complementary skills to help you pursue goals that include investments and go far beyond to encompass virtually every aspect of your financial life.
Michael Kosik is a Morgan Stanley-credentialed Senior Portfolio Management Director who has spent his career helping clients earn more consistent returns, while assuming lower risk Andre Doucette is a CERTIFIED FINANCIAL PLANNER™ who helps clients understand where they are in relation to their goals and what they must do to achieve those goals within their required timeframe. Patrick McDevitt is a Chartered Retirement Planning Counsellor and Morgan Stanley- credentialed Financial Planning Specialist
Together, The Kosik Doucette Group offers a combination of discretionary investment management and personalized financial planning that can help you take a more direct route to your financial destination, while avoiding pitfalls that can slow or thwart your progress.
2024 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Jan 2024)
2024 Forbes Best-In-State Wealth Management Teams ranking awarded in 2024. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 3/31/22–3/31/23. Awards Disclosures | Morgan Stanley
Services Include
- Wealth ManagementFootnote1
- Trust AccountsFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- AnnuitiesFootnote5
- Business Succession PlanningFootnote6
- Alternative InvestmentsFootnote7
- Executive Benefit ServicesFootnote8
- Lending Products
- Life InsuranceFootnote9
- Retirement PlanningFootnote10
- Planning for Individuals with Special Needs and their Families
- Wealth PlanningFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Many of the clients we’ve worked with over the years came to us with similar challenges. They were working hard and trying to save as much as they could, but they did not know whether they could retire on time or reach other goals to which they aspired. Our advisory process, therefore, typically begins with a plan that shows clients:
• Where they are in relation to the goals they hope to achieve
• Whether there is a gap or surplus between the cost of their goals and their projected resources
• How much risk they are actually assuming with their current investment strategy
• What they must do to fill any gaps we identify, while assuming a reasonable level of risk
Once we identify where you are, we create an investment strategy to help you arrive at your financial destination within your required timeframe. Often, we develop complementary strategies that may encompass various asset classes to meet goals for income, capital preservation and tax sensitivity, as well as growth.
• Where they are in relation to the goals they hope to achieve
• Whether there is a gap or surplus between the cost of their goals and their projected resources
• How much risk they are actually assuming with their current investment strategy
• What they must do to fill any gaps we identify, while assuming a reasonable level of risk
Once we identify where you are, we create an investment strategy to help you arrive at your financial destination within your required timeframe. Often, we develop complementary strategies that may encompass various asset classes to meet goals for income, capital preservation and tax sensitivity, as well as growth.
Asset Allocation
As experienced Financial Advisors, we understand that no two clients are alike. The solutions we propose may include structured products, laddered bond portfolios, alternative investments and other vehicles selected to help you meet your specific objectives. If you wish, we have the ability to manage assets on a discretionary basis. In other words, we can assume responsibility for day-to-day investment decisions that you would rather not make on your own. This approach enables us to react to prevailing market conditions and make adjustments to our clients’ portfolios as we believe to be necessary. Beyond your investments, we can access the extensive resources of Morgan Stanley and consult with firm professionals who specialize in estate planning, lending strategies, insurance and other disciplines relevant to your situation.
Monitoring and Communicating Your Progress
Your plan is not a static document. It is updated periodically to reflect changes in your life and to determine whether any gaps we identified are closing and if so, by how much. Our goal is to show you where you are in relation to the objectives you’ve set and provide you with the confidence that you will meet those objectives on time and as planned.
We typically review your portfolio with you at least twice a year. However, we recognize that different clients require more or less frequent contact than others. Your preferences play a major role in our communication efforts.
We typically review your portfolio with you at least twice a year. However, we recognize that different clients require more or less frequent contact than others. Your preferences play a major role in our communication efforts.
Our Investment Approach
The Kosik Doucette Group takes pride in our ability to offer institutional-quality investment management to individual investors. As Morgan Stanley-credentialed Portfolio Managers, we have access to extensive analytical, trading and technological resources, many of which are not available anywhere else. In addition, we offer access to carefully researched third party investment managers, many of whom are not available to individual investors without our involvement.
Our goal is to provide you with reasonable returns at an acceptable level of risk and volatility. For many of our clients, capital preservation is also a major consideration. To realize our ambitions, we’ve developed a disciplined process that has been honed over the past 30+ years and that we will continue to hone through:
• Assiduous research of investment managers
We work closely with Morgan Stanley’s Consulting Group to research and identify third party investment managers, mutual funds and exchange-traded funds with histories of strong, consistent performance. Importantly, we also consider:
o how much risk was assumed to achieve that performance
o whether managers have ever deviated from their stated methodologies when markets turned volatile
o how long have managers been practicing their approach
It is critical to us that managers demonstrate a proven track record of excelling when markets are up and protecting when conditions turn volatile.
• Checking for concentration and overlap
Are certain managers overly concentrated in specific companies or sectors, or are their portfolios diversified to our satisfaction? What about the unwitting concentration that may occur when mutual funds, exchange traded funds and separately managed accounts own the same securities? We employ state of the art analytical tools to review the portfolios of every manager we select for overlap among positions and sufficient diversification across sectors and industries.
• Periodic rebalancing among low correlating assets
The asset allocations we develop for our clients are based on both their risk tolerances and objectives. Changing market conditions can skew even the most carefully conceived allocation, so that investors may end up assuming more or less risk than originally intended. We rebalance your portfolio at least semi-annually to maintain your original allocation. In addition, we focus on assets that have a low correlation with each other – in other words, they tend not to perform the same way at the same time.
• Tax-conscious oversight
We employ a tax-conscious approach to investing that seeks to minimize your tax liability by limiting short-term gains, offsetting gains with losses, when possible, and avoiding the phantom income and capital gains distributions so often generated by mutual funds
Our goal is to provide you with reasonable returns at an acceptable level of risk and volatility. For many of our clients, capital preservation is also a major consideration. To realize our ambitions, we’ve developed a disciplined process that has been honed over the past 30+ years and that we will continue to hone through:
• Assiduous research of investment managers
We work closely with Morgan Stanley’s Consulting Group to research and identify third party investment managers, mutual funds and exchange-traded funds with histories of strong, consistent performance. Importantly, we also consider:
o how much risk was assumed to achieve that performance
o whether managers have ever deviated from their stated methodologies when markets turned volatile
o how long have managers been practicing their approach
It is critical to us that managers demonstrate a proven track record of excelling when markets are up and protecting when conditions turn volatile.
• Checking for concentration and overlap
Are certain managers overly concentrated in specific companies or sectors, or are their portfolios diversified to our satisfaction? What about the unwitting concentration that may occur when mutual funds, exchange traded funds and separately managed accounts own the same securities? We employ state of the art analytical tools to review the portfolios of every manager we select for overlap among positions and sufficient diversification across sectors and industries.
• Periodic rebalancing among low correlating assets
The asset allocations we develop for our clients are based on both their risk tolerances and objectives. Changing market conditions can skew even the most carefully conceived allocation, so that investors may end up assuming more or less risk than originally intended. We rebalance your portfolio at least semi-annually to maintain your original allocation. In addition, we focus on assets that have a low correlation with each other – in other words, they tend not to perform the same way at the same time.
• Tax-conscious oversight
We employ a tax-conscious approach to investing that seeks to minimize your tax liability by limiting short-term gains, offsetting gains with losses, when possible, and avoiding the phantom income and capital gains distributions so often generated by mutual funds
Location
1030 Broad Street
3rd Floor
Shrewsbury, NJ 07702
US
Direct:
(732) 389-5148(732) 389-5148
Fax:
(732) 234-4003(732) 234-4003
4890 West Kennedy Blvd
Suite 700
Tampa, FL 33609
US
Direct:
(813) 286-5636(813) 286-5636
Meet The Kosik Doucette Group
Andre Doucette, CFP®
Vice President, Wealth Management, Financial Advisor
Phone:
(813) 286-5636(813) 286-5636
Phone:
(732) 389-8603(732) 389-8603
Linda Weckherlen
Senior Registered Associate
Phone:
(732) 389-5136(732) 389-5136
About Michael Kosik
Michael brings over 35 years in the investment business and has been a Financial Advisor since 1990. A 1982 graduate of Brooklyn College with a degree in Economics and a minor in psychology, Michael started in the business in the areas of arbitrage trading and mergers and acquisitions.
In 1990, Michael began his career as a Financial Advisor, working with Shearson Lehman, Prudential Securities, Prudential and then with Paine Webber/UBS as a Financial Advisor Vice President in Manhattan. He joined Smith Barney, a Morgan Stanley predecessor firm, as a Vice President-Wealth Management in 2008 and moved his practice to the firm’s Shrewsbury, NJ office. Five years later, he received the firm’s prestigious Portfolio Management Director designation.
Michael co-founded the Kosik Doucette Group with André Doucette in July 2018, succeeding his previous team, the Kosik Goldin Group.
A resident of Monmouth County for over twenty four years, Michael enjoys community activities in his hometown of Red Bank, New Jersey.
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Jan 2025) 2025 Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 3/31/23–3/31/24.
Forbes Best in State Wealth Advisor
In 1990, Michael began his career as a Financial Advisor, working with Shearson Lehman, Prudential Securities, Prudential and then with Paine Webber/UBS as a Financial Advisor Vice President in Manhattan. He joined Smith Barney, a Morgan Stanley predecessor firm, as a Vice President-Wealth Management in 2008 and moved his practice to the firm’s Shrewsbury, NJ office. Five years later, he received the firm’s prestigious Portfolio Management Director designation.
Michael co-founded the Kosik Doucette Group with André Doucette in July 2018, succeeding his previous team, the Kosik Goldin Group.
A resident of Monmouth County for over twenty four years, Michael enjoys community activities in his hometown of Red Bank, New Jersey.
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Jan 2025) 2025 Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 3/31/23–3/31/24.
Forbes Best in State Wealth Advisor
Securities Agent: CT, OR, IL, FL, CO, NY, NV, NM, MI, MA, KY, DE, DC, WI, SC, NJ, WA, IA, VA, PA, OH, NC, CA, IN, ID, GA, AZ, TX, TN, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1253141
NMLS#: 1253141
About Andre Doucette
Born into a large military family, André has lived Germany, as well as in Texas, California and New Jersey, and has a home in South Tampa, Florida. André has been in the financial services business for over twenty-five years.
Having earned a degree in Business Management from Brookdale College in 1983, André began his career in financial planning with an affiliate of Met Life Insurance in 1996, responsible for the construction, presentation and implementation of Financial Plans for individuals, along with plans for Business Succession and Corporate Retirement.
After majoring in Finance at Edison College in 1999, André earned the Certified Financial Planner (CFP®) designation in 2001 and joined UBS as a Financial Advisor in 2005.
He continued his career by joining Morgan Stanley in 2008 as a Financial Advisor in the Toms River, NJ branch. He was then transferred to Morgan Stanley’s Shrewsbury, NJ office in 2017, having been promoted to Associate Vice President the previous year.
In 2018 he joined Michael Kosik at his predecessor team, Kosik Goldin Group, forming The Kosik Doucette Group that same year. Three years later Andre was promoted to Vice President
An avid cycler who covers an average of 25 to 30 miles each week and takes advantage of living in South Tampa by following the spring training routine of the New York Yankees.
Having earned a degree in Business Management from Brookdale College in 1983, André began his career in financial planning with an affiliate of Met Life Insurance in 1996, responsible for the construction, presentation and implementation of Financial Plans for individuals, along with plans for Business Succession and Corporate Retirement.
After majoring in Finance at Edison College in 1999, André earned the Certified Financial Planner (CFP®) designation in 2001 and joined UBS as a Financial Advisor in 2005.
He continued his career by joining Morgan Stanley in 2008 as a Financial Advisor in the Toms River, NJ branch. He was then transferred to Morgan Stanley’s Shrewsbury, NJ office in 2017, having been promoted to Associate Vice President the previous year.
In 2018 he joined Michael Kosik at his predecessor team, Kosik Goldin Group, forming The Kosik Doucette Group that same year. Three years later Andre was promoted to Vice President
An avid cycler who covers an average of 25 to 30 miles each week and takes advantage of living in South Tampa by following the spring training routine of the New York Yankees.
Securities Agent: OR, OH, NY, FL, MI, IA, CO, WA, MA, IL, VA, NV, NC, IN, GA, WY, NM, KY, WI, TX, PA, TN, SC, ID, NJ, CT, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1252920
NMLS#: 1252920
About Patrick McDevitt
Patrick brings a wide variety of financial experience to every client he advises. He worked in Operations at Morgan Stanley, Wealth Management at Jeffries and Consulting at JP Morgan before joining The Kosik Doucette Group in 2018
A Chartered Retirement Planning CounselorSM (CRPC®), Patrick has helped numerous clients prepare for the challenges of retirement and proceed to that stage of their lives with greater confidence. He has full access to Morgan Stanley’s best-in-class intelligence about every major asset class and major market, as well as investment research from some of the world’s most respected analysts. In short, Patrick can help you formulate a strategy for pursuing your most important goals and implement that strategy with resources that match your risk tolerance, timeframe and what you hope to achieve.
His goals for his clients are not to beat the market one way or another (although that happens) but rather decouple your investments from the market and be in a position to improve and maintain your quality of life in every market environment.
When not advising clients, Patrick roots for the Giants, Yankees and Knicks. He is an avid golfer and surfer.
A Chartered Retirement Planning CounselorSM (CRPC®), Patrick has helped numerous clients prepare for the challenges of retirement and proceed to that stage of their lives with greater confidence. He has full access to Morgan Stanley’s best-in-class intelligence about every major asset class and major market, as well as investment research from some of the world’s most respected analysts. In short, Patrick can help you formulate a strategy for pursuing your most important goals and implement that strategy with resources that match your risk tolerance, timeframe and what you hope to achieve.
His goals for his clients are not to beat the market one way or another (although that happens) but rather decouple your investments from the market and be in a position to improve and maintain your quality of life in every market environment.
When not advising clients, Patrick roots for the Giants, Yankees and Knicks. He is an avid golfer and surfer.
Securities Agent: SC, CA, NM, NJ, CT, WI, MA, ID, GA, WA, NV, NC, VA, OH, NY, IA, IL, FL, TX, MO, MI, OR, IN, TN, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 889770
NMLS#: 889770
About Linda Weckherlen
Graduated College of Staten Island with a Bachelor Degree in Finance
Joined Gruntal & Co. in 1993 and obtained Series 7 & 63 security licenses in 1995 and became a Registered Sales Assistant
Moved to PaineWebber, which became UBS, as a Registered Client Service Associate in 1998
Joined Solomon Smith Barney in 2001 as a Registered Sales Associate.
Solomon Smith Barney became Smith Barney in 2003 where my title was Registered Client Service Associate.
In 2009 was promoted to Assistant Vice President and Registered Marketing Associate at Smith Barney, which later combined with Morgan Stanley's Global Wealth Management as a Joint Venture.
In 2012 became Assistant Vice president at Private Wealth Management
Transferred to Morgan Stanley in Shrewsbury, NJ in 2018 to join the Kosik Doucette Group where I am a Senior Registered Associate
Joined Gruntal & Co. in 1993 and obtained Series 7 & 63 security licenses in 1995 and became a Registered Sales Assistant
Moved to PaineWebber, which became UBS, as a Registered Client Service Associate in 1998
Joined Solomon Smith Barney in 2001 as a Registered Sales Associate.
Solomon Smith Barney became Smith Barney in 2003 where my title was Registered Client Service Associate.
In 2009 was promoted to Assistant Vice President and Registered Marketing Associate at Smith Barney, which later combined with Morgan Stanley's Global Wealth Management as a Joint Venture.
In 2012 became Assistant Vice president at Private Wealth Management
Transferred to Morgan Stanley in Shrewsbury, NJ in 2018 to join the Kosik Doucette Group where I am a Senior Registered Associate
Contact Michael Kosik
Contact Andre Doucette
Contact Patrick McDevitt
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Michael Ryan
Private Banker
Adrian Schwartz, CFP®
Financial Planning Director, Vice President
Mary Beth Powers
Trust Specialist
About Michael Ryan
Michael Ryan is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore, with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore, with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
NMLS#: 600637
About Adrian Schwartz
Adrian Schwartz is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices the Greater Philadelphia and Coastal New Jersey markets. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
About Mary Beth Powers
Mary Beth Powers is Executive Director and Trust Specialist for Morgan Stanley covering the New York Metro region, responsible for presenting Morgan Stanley’s third-party trustee partner platform to Morgan Stanley Wealth Management Financial Advisors, clients and prospects. Leveraging the capabilities of our trust company partners, Mary Beth assists to identify appropriate fiduciary solutions, which are essential to the management, preservation and transfer of accumulated wealth. This process includes coordination with the client’s financial, legal and tax advisors to ensure proper trust planning implementation.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Kosik Doucette 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.
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 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.
4Morgan 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7Alternative 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
11Morgan 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.
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.
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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.
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 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.
4Morgan 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7Alternative 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
11Morgan 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.
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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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Awards Disclosures
CRC 6491812 (04/2024)
