Lorraine A Laczko, CFP®, CRPS®, CIMA®
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(518) 581-2004(518) 581-2004
The Laczko Team at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. Our process is designed to evolve with them- and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Step 1: Getting To Know Each Other
Our relationship begins by understanding your personal and financial circumstances. We will have an in-depth discussion of your family's needs, values, lifestyle and aspirations for the future.
Goals-based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Working together we can uncover your needs, manage risk, and build a customized plan to help you reach your financial goals.
Step 2: Gather & Analyze Current Financial Situation
At this step, we will review of your balance sheet, current statements, estate plans and other essential documents. To best analyze your current wealth plan, it is crucial that any incomplete information is addressed.
Portfolio Risk Platform - Aladdin
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters. Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types.
Step 3: Deliver Your Custom Financial Plan
Here, we meet with you to present your Wealth Management Plan in detail. Your Plan includes investment recommendations as well as other valuable strategies. We will discuss the reasoning to our recommendations, any fees, and advisory fiduciary responsibility.
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Step 4: Implement Plan
As your assets transfer to Morgan Stanley, we begin the disciplined process of executing your plan. We often collaborate with specialized professionals in key areas, as well as your CPA and estate attorney to help ensure a cohesive implementation and transparency.
Total Tax 365
Total Tax 365 is our full spectrum of year-round, active tax management solutions, tailored to help you minimize tax drag in your portfolio. We offer a comprehensive range of tax-efficient products and solutions to help you manage your tax liability and grow your long-term wealth.
Step 5: Comprehensive Review & Ongoing Monitoring
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. We set up regular calls and meetings to provide updates and keep your plan on track towards achieving your goals. Morgan Stanley's online financial tools makes monitoring your progress quick and easy.
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
CERTIFICATIONS
Certified Financial Planner (CFP)
Certified Financial Planner a formal license that recognizes expertise in the areas of financial planning, taxes, insurance, estate planning, and retirement. CFP professionals are held to a strict fiduciary and ethical standard. Financial Planning is a dynamic process, as such, your goals, lifestyle, and circumstances are ever-changing and you should feel confident that as a CFP I am committed to providing the highest level of financial planning.
Certified Investment Management Analyst (CIMA)
Certified Investment Management Analyst is a designation offered through the Wharton School of Business that is designed to distinguish financial professionals as advanced investment consultants. CIMA certification allows financial professionals to work with high net worth individuals and corporations showing an expertise in finance, business strategy, operations and management. After completing certification, advisors are educated in examining risk and making financial decisions on the scale of entire corporations or funds.
Charted Retirement Planning Specialist (CRPS)
Charted Retirement Planning Specialist is a designation offered to financial professionals who wish to implement and manage retirement plans for businesses. The CRPS focuses on wholesale and business clients. This designation enables individuals to utilize a wide range of retirement plans such as SEP, SIMPLE, 401(k) and more to match their desired retirement outcomes.
Chartered Life Underwriter (CLU)
Chartered Life Underwriter is a professional designation for individuals who specialize in life insurance and estate planning. This designation represents a thorough understanding and expertise in personal risk management and life insurance planning allowing professionals to give financial advice.
VALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. Features include paperless documents, bill pay and secure account management.
Morgan Stanley Online
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this Week's Edition
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the Most Recent Report
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
eAuthorization
eAuthorizations allow you to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App. eAuthorization is convenient, secure, and easy to use.
Morgan Stanley Ideas
From volatility and geopolitics to economic trends and investment outlooks, stay informed on the key developments shaping today's markets.
Impact Quotient(IQ)
The Morgan Stanley Impact Quotient™ application gives Wealth Management clients new customizable insights into the social and environmental impact of their investment portfolios.
PREPARING THE NEXT GENERATION FOR FINANCIAL SUCCESS
Our clients often share their desire to not only pass on their wealth to the next generation, but also the family values and financial discipline that created it.
Our Next-Gen advisory service is designed to be an educational resource for our clients, their children and grandchildren. Our goal is to guide the development of their financial skills & habits as they create their own path toward financial success.
Below you will find educational material about life events your children or grandchildren can use to prepare for what lies ahead. If there is another topic you'd like us to assist with, please don't hesitate to reach out!
Our Next-Gen advisory service is designed to be an educational resource for our clients, their children and grandchildren. Our goal is to guide the development of their financial skills & habits as they create their own path toward financial success.
Below you will find educational material about life events your children or grandchildren can use to prepare for what lies ahead. If there is another topic you'd like us to assist with, please don't hesitate to reach out!
Graduating College
Armed with a college degree and a blank state, your future awaits. Exciting new adventures and challenges are on the horizon. To help ensure you're prepared for what's ahead, it's important to understand how your financial decisions today can impact your opportunities tomorrow.
Starting Your First Job
Beginning your career can be both exciting and nerve-wracking. A crucial first step is determining which career path is right for you. Beyond that, you'll want to be up to speed on various topics like professionalism, productivity and payroll.
The Art of Saving
Saving is more than simply putting money aside: It's a practice, a philosophy, and a tool for accumulating wealth, reaching your goals, and most importantly, achieving financial freedom. Saving is not just about retirement, it's about creating a plan to help finance your goals and dreams and the earlier you start, the better.
The Basics of Investing
Creating an investment strategy that incorporates your lifestyle goals and tolerance for risk is essential. Setting clear goals for the short-term, long-term, and everything in between will help you decide what trade-offs you are willing to make to prepare for the important milestones ahead.
Starting a Business
Building a business from scratch can be a lot harder and riskier than some may think, but if you are able to align your profession with your passions, it can be well worth it. The key to making your entrepreneurial dream a reality is having a clear understanding of the value your business will create, a solid plan for delivering that value, and the perseverance to see it through.
Tying the Knot
Understanding expectations, setting common goals and mapping out life as a couple are key tenants of any health relationship, especially when two financial lives become one. As a unit it's important to share everything, from money values to credit histories.
Buying Your First Home
This exciting moment in your life comes with significant financial and lifestyle implications. Before taking the leap it's important to evaluate all factors before signing on the dotted line. Next-Gen clients may be able to leverage their family's relationship with Morgan Stanley to help break into this tough market. Let us know if you are thinking about buying a home and we can discuss all potential options.
Starting a Family
It's important to anticipate what to expect before you're expecting. Your monthly expenses are going to change now that you have an additional mouth to feed, and for some this might also coincide with a temporary—or more permanent—decrease in household income. By mapping out your baby budget in advance, you can help ease anxiety about counting diaper costs.
Location
340 Broadway
Saratoga Springs, NY 12866
US
Direct:
(518) 581-2004(518) 581-2004
Meet The Laczko Team
Phone:
(518) 581-2011(518) 581-2011
John A Pettica Jr.
Senior Vice President, Business Development Director
Phone:
(518) 581-2005(518) 581-2005
John LaMarco
Client Services Associate
Phone:
(518) 583-5628(518) 583-5628
About Lorraine A Laczko
Lorraine Laczko is a Senior Vice President and Financial Advisor on the Pettica/Laczko Team at Morgan Stanley. She is a CERTIFIED FINANCIAL PLANNER (CFP®), Certified Investment Management Analyst® (CIMA®), and Certified Retirement Plan Specialist (CRPS®). Lorraine has been with Morgan Stanley since 1994.
She has been involved in the investment industry since the mid 1980’s after graduating from Syracuse University. Prior to becoming a financial advisor, Lorraine assisted in the trading of Sugar and Cocoa Arbitrage, as well as other commodities at Golodetz Trading Corporation. She was also at Merrill Lynch Pierce Fenner and Smith in various positions.
Lorraine listens to her clients, and more importantly she hears them. She is a lifelong learner which is reflected in the designations she has earned and her ability to leverage Morgan Stanley’s sophisticated global wealth management tools to best serve her clients. It is important to her that each client is happy, involved, and understands their financial road map.
Lorraine cherishes family time. She currently resides in Lake George, NY and Eastham, MA with her husband and business partner John Pettica. Their daughter, Courtney, is a physician assistant in ICU care. Outside of work, Lorraine enjoys cooking, going on walks with her dog Abby, boating, reading, gardening, and spending time outdoors.
She has been involved in the investment industry since the mid 1980’s after graduating from Syracuse University. Prior to becoming a financial advisor, Lorraine assisted in the trading of Sugar and Cocoa Arbitrage, as well as other commodities at Golodetz Trading Corporation. She was also at Merrill Lynch Pierce Fenner and Smith in various positions.
Lorraine listens to her clients, and more importantly she hears them. She is a lifelong learner which is reflected in the designations she has earned and her ability to leverage Morgan Stanley’s sophisticated global wealth management tools to best serve her clients. It is important to her that each client is happy, involved, and understands their financial road map.
Lorraine cherishes family time. She currently resides in Lake George, NY and Eastham, MA with her husband and business partner John Pettica. Their daughter, Courtney, is a physician assistant in ICU care. Outside of work, Lorraine enjoys cooking, going on walks with her dog Abby, boating, reading, gardening, and spending time outdoors.
Securities Agent: OH, MT, WA, SC, NH, FL, AZ, TN, NM, MD, CO, CA, VT, UT, NC, OR, LA, CT, PR, MO, MA, TX, PA, ID, GA, VA, MI, IL, NY, KY, IN, DC, NJ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1272893
NMLS#: 1272893
About Martha Cordo
Martha is a Financial Advisor on the Laczko Pettica Team at Morgan Stanley. Martha began her career at Morgan Stanley in 2011, where she has held roles within the Investment Management and Investment Banking Divisions. With over a decade of experience in the financial services sector, Martha has gained a wide range of business knowledge and brings this experience to her clients. Martha’s passion for all things financial began as a child, where she grew up working in her parents businesses and realized that a financial plan is an integral aspect of growing a successful business.
Martha attended Fairfield University in Connecticut, earning a degree in Finance and International Business. In 2023, Martha and her family relocated to Saratoga Springs, a move driven by their desire to be closer to family. Outside of her professional life, Martha enjoys spending quality time with her husband and two young children.
Martha attended Fairfield University in Connecticut, earning a degree in Finance and International Business. In 2023, Martha and her family relocated to Saratoga Springs, a move driven by their desire to be closer to family. Outside of her professional life, Martha enjoys spending quality time with her husband and two young children.
Securities Agent: CT, VA, IL, CA, AZ, GA, TN, NY, VT, PA, NJ, NH, NC, MT, MI, TX, OR, WA, OH, MO, PR, NM, MD, KY, IN, ID, DC, CO, UT, SC, MA, LA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2651566
NMLS#: 2651566
About John A Pettica Jr.
Securities Agent: CA, MI, OR, ID, GA, AZ, TN, SC, FL, CT, NH, IL, NY, VA, MA, MD, KY, TX, NM, NJ, PA, NC; General Securities Representative; Investment Advisor Representative
Contact Lorraine A Laczko
Contact Martha Cordo
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Laczko Team 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
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.
4Alternative 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
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.
4Alternative 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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)
