Senior Vice President, Branch Manager, Senior Portfolio Management Director, Financial Advisor
Phone:
(305) 695-6119(305) 695-6119
The LaGorce Group at Morgan Stanley
Direct:
(305) 695-6119(305) 695-6119
Toll-Free:
(800) 642-7715(800) 642-7715
Our Mission Statement
The LaGorce Group is comprised of Advisors and Associates focused on using our collective expertise and experience to create, implement, monitor and evolve financial strategies appropriate for each client’s or family’s objectives.
Our Story and Services
Welcome to The LaGorce Group
The LaGorce Group provides investment guidance based on clients’ stated financial goals. We work with individuals and families to discuss life’s many stages, the importance of your personal values and effects of business cycles.
Our financial plans integrate our experience with Morgan Stanley’s robust range of planning and risk management tools. We provide thoughtful tailored advice, implementation, and ongoing monitoring of comprehensive and dynamic wealth strategies. We believe in the importance of consistent communication including scheduled monthly calls, quarterly performance reviews, annual goal reviews and regularly providing publications of timely topics through conference calls, podcasts and the distribution of written pieces.
Our team members are highly credentialed and experienced professionals with many years’ experience in wealth management. The LaGorce Group takes pride in our history and dedication to excellent service. We each have diverse experience and areas of focus and welcome you to read our individual bios on this site to learn more about each of us.
The LaGorce Group provides investment guidance based on clients’ stated financial goals. We work with individuals and families to discuss life’s many stages, the importance of your personal values and effects of business cycles.
Our financial plans integrate our experience with Morgan Stanley’s robust range of planning and risk management tools. We provide thoughtful tailored advice, implementation, and ongoing monitoring of comprehensive and dynamic wealth strategies. We believe in the importance of consistent communication including scheduled monthly calls, quarterly performance reviews, annual goal reviews and regularly providing publications of timely topics through conference calls, podcasts and the distribution of written pieces.
Our team members are highly credentialed and experienced professionals with many years’ experience in wealth management. The LaGorce Group takes pride in our history and dedication to excellent service. We each have diverse experience and areas of focus and welcome you to read our individual bios on this site to learn more about each of us.
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- AnnuitiesFootnote2
- Asset Management
- Business PlanningFootnote3
- Cash Management and Lending ProductsFootnote4
- CommoditiesFootnote5
- Divorce Financial AnalysisFootnote6
- Estate Planning StrategiesFootnote7
- Financial PlanningFootnote8
- Fixed IncomeFootnote9
- Philanthropic ManagementFootnote10
- Planning for Education FundingFootnote11
- Professional Portfolio ManagementFootnote12
- Retirement PlanningFootnote13
- Trust AccountsFootnote14
- Wealth ManagementFootnote15
- Wealth PlanningFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Creating Your Wealth Plan
As the financial world becomes more complex and investment choices multiply, careful planning becomes even more important to helping you achieve your financial goals. As your team of Financial Advisors, our role is to help you develop a strategy that lays out a clear path to a successful financial future and empowers you to make more informed, confident decisions in the face of the market’s ups and downs. The following four steps were developed to achieve that goal:
1. Setting Your Financial Objectives
Through a process of discovery and discussion, we will ask a series of detailed questions to understand and articulate your specific financial goals. Together, we’ll examine your current and future liabilities, income sources and cash flow needs, while considering critical factors that may influence your overall strategy. These will include your tolerance for risk, tax concerns, liquidity needs and time horizon.
2 Creating Your Strategy
From this ongoing dialogue, we’ll analyze your current situation and begin to develop a detailed action plan with recommendations to help you effectively build, protect and transfer your wealth. This analysis will serve as the foundation for building your initial plan, as well as future wealth management decisions.
3. Implementing Your Strategy
Once we’ve discussed and refined your strategy, we will begin to execute your investment plan. In this step, we may also recommend several wealth management strategies to help preserve your assets, while positioning them to pass to loved ones and personal charitable interests. These strategies may encompass cash flow management strategies, risk management strategies, as well as estate, trust and philanthropic services.
4. Reviewing Objectives and Performance
After we put your wealth management plan into action, we’ll set up a variety of tools to help ensure you have immediate access to your account information. And because markets and personal needs evolve over time, we’ll set up regular, ongoing meetings to help ensure your plan remains on schedule to achieve your specific financial goals.
Upcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
Online
Additional Replays
AWARDS & RECOGNITION
Mijanou Spurdle Named to Forbes Best-In-State Top Women Wealth Advisors 2025
A recent study by Fidelity reports that one of women’s “financial superpowers” is that they are more apt to stay the course during market volatility than men. Forbes/SHOOK Top Women Wealth Advisors Best-In-State features 1,991 women managing cumulative assets of over $2.8 trillion. Forbes’ list was compiled by SHOOK Research, which uses financial data and interviews candidates nominated by their firms to rank advisors.
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC based on time period from 9/30/23 - 9/30/24.
Read moreSource: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC based on time period from 9/30/23 - 9/30/24.
The LaGorce Group Named to Forbes Best-In-State Wealth Management Teams 2023-2025
The third annual Forbes/SHOOK Best-In-State Wealth Management Teams list features more than 4,100 teams with cumulative assets of $5.1 trillion. Forbes’ list was compiled by SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on 12-month period concluding in March of year prior to the issuance of the award.
Read moreSource: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on 12-month period concluding in March of year prior to the issuance of the award.
Mijanou Spurdle Named to Forbes Best-In-State Wealth Advisors 2024
The 2024 Forbes/SHOOK Best-in-State Wealth Advisors list spotlights advisors, nominated by their firms - then researched, interviewed, and assigned a ranking by Shook Research.
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23
Read moreSource: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23
Mijanou Spurdle Named to Working Mother Magazine's List of Top Wealth Advisor Moms 2019-2021
In its fifth-annual list, Working Mother and SHOOK Research partnered to identify the most successful wealth advisor moms across the country. This accomplishment recognizes your ability to succeed professionally while balance the many demands of being a working mom.
2017 - 2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019 - 2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Read more2017 - 2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019 - 2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Resource Hub
Thoughts on the Market Podcast
Listen to our daily financial podcast to hear insights from senior Morgan Stanley executives on the key factors shaping today's market.
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2025 Investment Outlook
A stable global economy is likely to benefit equity and fixed-income markets, though increased uncertainty around U.S. tariffs and immigration policy could jeopardize markets’ recent gains.
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2025 Stock Market Outlook
After two strong years for stocks, more muted gains are likely in 2025, with opportunities in U.S. stocks, growth and value.
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Ideas Library
Explore our repository for a wide range of ideas on various financial topics, from capital markets and fixed income to government policy and beyond!
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Reserved living and Giving is a tiered, complimentary loyalty program designed to elevate your lifestyle and strengthen your relationship with the firm, offering exclusive perks and rewards beyond traditional wealth management services.
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Learn how we strive to deliver results for our shareholders. Browse through our latest earnings releases, financial statements, presentations and webcasts.
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Discover our latest press releases, recognitions and awards-or contact a representative for more information or media inquires.
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2025 Standout Investment Themes
Deglobalization, the continued evolution of AI, longevity and the future of energy could provide investment opportunities in the years ahead.
Learn moreLocation
1691 Michigan Avenue
Suite 550
Miami Beach, FL 33139
US
Direct:
(305) 695-6119(305) 695-6119
Toll-Free:
(800) 642-7715(800) 642-7715
Fax:
(305) 695-6120(305) 695-6120
Meet The LaGorce Group
Joseph Friedman
Senior Vice President, Financial Advisor, Alternative Investments Director, Portfolio Manager
Phone:
(305) 695-6117(305) 695-6117
Phone:
(305) 695-6125(305) 695-6125
Phone:
(305) 695-6115(305) 695-6115
Dinorah Montaner
Portfolio Associate
Phone:
(305) 695-6128(305) 695-6128
Max Glasser
Registered Client Service Associate
Phone:
(305) 695-6143(305) 695-6143
About Mijanou M Spurdle
Mijanou is a Senior Vice President, Branch Manager with Morgan Stanley, a Certified Portfolio Manager through Columbia University, and CERTIFIED FINANCIAL PLANNER™ professional.
With the firm since 1999, Mijanou is an Alumnus of the College of Charleston, and has a B.S from Barry University. A graduate of the NADA® DCA program in advanced financial and operational management, she passed the FINRA Series 7, 65, 63, 3, 9 and 10 examinations. Mijanou’s practice focuses on financial planning and asset allocation management and she is a Morgan Stanley designated Family Wealth Advisor (FWA).
Mijanou has served as a board member for the Portfolio Management Institute, The Miami Children’s Museum, and The Academy of Certified Portfolio Managers. Mijanou is an alumni and current member of the Board of Trustees at The Williston Northampton School and volunteers for Labrador Retriever Rescue of Florida. She is also a Founder Member on the WGA committee at La Gorce Country Club.
Mijanou has completed twelve 26.2 mile marathons, enjoys boating, golf, running and traveling with her family. She currently resides in Miami Beach, Florida with her husband Craig, Orthopedic Surgeon at Nicklaus Children's Hospital, their son and Louie the lab.
With the firm since 1999, Mijanou is an Alumnus of the College of Charleston, and has a B.S from Barry University. A graduate of the NADA® DCA program in advanced financial and operational management, she passed the FINRA Series 7, 65, 63, 3, 9 and 10 examinations. Mijanou’s practice focuses on financial planning and asset allocation management and she is a Morgan Stanley designated Family Wealth Advisor (FWA).
Mijanou has served as a board member for the Portfolio Management Institute, The Miami Children’s Museum, and The Academy of Certified Portfolio Managers. Mijanou is an alumni and current member of the Board of Trustees at The Williston Northampton School and volunteers for Labrador Retriever Rescue of Florida. She is also a Founder Member on the WGA committee at La Gorce Country Club.
Mijanou has completed twelve 26.2 mile marathons, enjoys boating, golf, running and traveling with her family. She currently resides in Miami Beach, Florida with her husband Craig, Orthopedic Surgeon at Nicklaus Children's Hospital, their son and Louie the lab.
Securities Agent: NH, WV, VI, TN, GA, LA, IL, MT, NJ, OH, WY, WI, WA, VT, VA, UT, TX, SD, SC, RI, PR, PA, OR, OK, NY, NV, NM, NE, ND, NC, MS, MO, MN, MI, ME, MD, MA, KY, KS, IN, ID, IA, HI, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1418902
NMLS#: 1418902
About Joseph Friedman
Joseph Friedman is a Senior Vice President and Alternative Investments Director at Morgan Stanley. He graduated from Drexel University in 1983 with a degree in finance. Joe works with high net worth clients and their families. After starting his career at a small firm in Philadelphia in 1984, he then joined Drexel Burnham, a predecessor firm to Morgan Stanley in 1986.
Joe’s practice focuses on fixed income investing in the taxable and municipal markets. Joe also focuses on finding appropriate growth options for clients in the equity markets, and utilizes alternative investments such as private equity and hedge funds.
A resident of Miami since 1989, Joe spends his summers in Colorado working from his home. In his spare time, Joe enjoys hiking, mountain biking and other fitness activities. He learns daily at Talmudic University of Florida.
Joe’s practice focuses on fixed income investing in the taxable and municipal markets. Joe also focuses on finding appropriate growth options for clients in the equity markets, and utilizes alternative investments such as private equity and hedge funds.
A resident of Miami since 1989, Joe spends his summers in Colorado working from his home. In his spare time, Joe enjoys hiking, mountain biking and other fitness activities. He learns daily at Talmudic University of Florida.
Securities Agent: TN, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OR, PA, PR, RI, SC, SD, TX, UT, VA, VT, WA, WV; General Securities Representative; Investment Advisor Representative
NMLS#: 1426105
NMLS#: 1426105
About Eric Hirsch
Eric Hirsch is a First Vice President in the Wealth Management division at Morgan Stanley and has had the honor of serving his clients for more than 26 years.
Eric joined the firm and for his first 10 years, he partnered with his father, Robert Hirsch, who retired in 2007 after 45 years as a financial advisor. Eric is proud to have relationships that now span over 35 years and three generations.
Eric is a native of Englewood, NJ and he graduated from The George Washington University earning his Bachelor of Business Administration.
Using the vast array of Morgan Stanley’s resources, he works closely with clients, tailoring portfolios to help preserve and grow wealth.
Eric joined the firm and for his first 10 years, he partnered with his father, Robert Hirsch, who retired in 2007 after 45 years as a financial advisor. Eric is proud to have relationships that now span over 35 years and three generations.
Eric is a native of Englewood, NJ and he graduated from The George Washington University earning his Bachelor of Business Administration.
Using the vast array of Morgan Stanley’s resources, he works closely with clients, tailoring portfolios to help preserve and grow wealth.
Securities Agent: CO, FL, TX, TN, MT, GA, IN, CA, ME, MD, NV, NJ, NC, MA, ID, WA, DC, SC, PA, OR, NM, AL, VT, VA, NH, HI, DE, MS, LA, CT, RI, OH, NY, KY, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1832944
NMLS#: 1832944
About Amir Merali
Amir Merali is a Financial Planning Specialist, Financial Advisor at Morgan Stanley. He graduated from Lees-McRae College with a Bachelor degree in Finance & Accounting, minor in Mathematics in 2016. He also holds his FINRA Series 7, 66, and Life, Health & Variable Annuity Insurance licenses. Amir is also a member of the CFA Society in Miami and is pursuing his CFA designation. Shortly after graduation he joined Morgan Stanley, helping clients organize and strategize their wealth. In February of 2020, Amir joined The LaGorce Group as an Analyst and Financial Advisor; focusing on Financial Planning and Asset Allocation.
As “Retired” Professional Road Cyclist (2010-2016) riding for Rock Racing, The Bahati Foundation, and The US National Team, Amir enjoys riding the South Florida area and other parts of the world whenever he gets the chance. In his free time Amir also enjoys restoring vintage cars, rock climbing, snorkeling, kayaking, and spending time with his family.
As “Retired” Professional Road Cyclist (2010-2016) riding for Rock Racing, The Bahati Foundation, and The US National Team, Amir enjoys riding the South Florida area and other parts of the world whenever he gets the chance. In his free time Amir also enjoys restoring vintage cars, rock climbing, snorkeling, kayaking, and spending time with his family.
Securities Agent: GA, MD, WA, VT, ID, DE, NM, CT, CO, PR, NC, MT, MA, IN, FL, MS, ME, VA, TX, SC, LA, IL, CA, OR, NY, NV, TN, NJ, KY, OH, DC, RI, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1920552
NMLS#: 1920552
About Dinorah Montaner
Dinorah Montaner, Portfolio Associate, began her career on Wall Street at Prudential Securities in 1989 and joined Morgan Stanley in 1993, at which time she also began working with Joseph Friedman. During her tenure with the firm she has been exposed to various aspects of the industry.
In her current role, Dinorah’s responsibilities include; opening new accounts, handling disbursement requests, trade executions, alternative investments and additional office management duties. Dinorah is passionate about exceeding client expectations while helping them reach their goals.
Dinorah graduated from Miami Dade College with an Associate of Arts in 1981 and has held both FINRA Series 7 and Series 63 licenses since 2001. She enjoys participating in charitable functions.
In her current role, Dinorah’s responsibilities include; opening new accounts, handling disbursement requests, trade executions, alternative investments and additional office management duties. Dinorah is passionate about exceeding client expectations while helping them reach their goals.
Dinorah graduated from Miami Dade College with an Associate of Arts in 1981 and has held both FINRA Series 7 and Series 63 licenses since 2001. She enjoys participating in charitable functions.
About Max Glasser
Maximilien Glasser is a Registered Client Service Associate at Morgan Stanley, where he utilizes his expertise in client relationship management. He holds active SIE, Series 7, Series 63, and Series 65 licenses, and a bachelor’s degree in business administration from Hult International Business School, London, UK.
Prior to joining Morgan Stanley, Max gained valuable experience at TradeStation Securities, where he focused on delivering comprehensive client support, managing trade-related issues, and ensuring financial accuracy. His international education and work experience across Austria, Germany, and the UK, enriches his professional perspective.
Max has a passion for traveling, having lived in various countries, which has broadened his cultural understanding and fueled his love for exploring unfamiliar places. In addition to traveling, Max enjoys competitive swimming, water polo, snowboarding, and skiing. Fluent in English, Russian, and conversational in German, with a beginner level in Spanish, Max brings a global and culturally informed approach to his work in finance.
Prior to joining Morgan Stanley, Max gained valuable experience at TradeStation Securities, where he focused on delivering comprehensive client support, managing trade-related issues, and ensuring financial accuracy. His international education and work experience across Austria, Germany, and the UK, enriches his professional perspective.
Max has a passion for traveling, having lived in various countries, which has broadened his cultural understanding and fueled his love for exploring unfamiliar places. In addition to traveling, Max enjoys competitive swimming, water polo, snowboarding, and skiing. Fluent in English, Russian, and conversational in German, with a beginner level in Spanish, Max brings a global and culturally informed approach to his work in finance.
Contact Mijanou M Spurdle
Contact Joseph Friedman
Contact Eric Hirsch
Contact Amir Merali
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 LaGorce 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.
1Alternative 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
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
5Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
12Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
13When 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.
14Morgan 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.
15Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
16Morgan 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*.
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
1Alternative 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
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
5Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
12Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
13When 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.
14Morgan 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.
15Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
16Morgan 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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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)
