Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Alternative Investments Director
The Lake Avenue Group at Morgan Stanley
Our Mission Statement
Growing and protecting your wealth through innovative strategies, expert guidance, and an unwavering commitment to personalized care.
Your success is our top priority.
Your success is our top priority.
About the Group
We are a full-service seven-member team offering some of the best and most comprehensive financial resources and knowledge available. Working out of our Westlake Village office. The Lake Avenue Group at Morgan Stanley provides financial counsel and investment management to individuals and their families, professionals, business owners and others. Our services range from providing advice on specific financial needs to creating individualized plans that focus both sides of the balance sheet and every aspect of financial decision-making toward specified goals and objectives. We also provide access to Cash Management and Lending Solutions.
Over time, we’ll help bring the following into focus:
• Are you saving and investing with a purpose?
• What are your short-, medium- and long-term goals?
• What is your level of risk tolerance?
• Are you adequately diversified in your investments?
• Where are you and where do you need to be in your financial, retirement
and estate planning?
• How will you transition from accumulation to distribution in retirement?
• Do you need a Family Mission Statement or charitable giving plan?
• Is ESG/SRI investing important to you?
Our combined strengths bring together asset management and planning strategies for the future in a way that our clients feel is integrated and thorough. We accept appointments at either location or will drive to meet you at an alternate location. The Lake Avenue Group at Morgan Stanley is committed to providing you professional wealth management with a personal touch. We encourage you to meet with us to explore how we can help free you to live your life with confidence in your financial future. Life is better at the Lake!
Westlake Village
100 N. Westlake Blvd. Suite 200
Westlake Village, CA 91362
(805) 494-0236
Over time, we’ll help bring the following into focus:
• Are you saving and investing with a purpose?
• What are your short-, medium- and long-term goals?
• What is your level of risk tolerance?
• Are you adequately diversified in your investments?
• Where are you and where do you need to be in your financial, retirement
and estate planning?
• How will you transition from accumulation to distribution in retirement?
• Do you need a Family Mission Statement or charitable giving plan?
• Is ESG/SRI investing important to you?
Our combined strengths bring together asset management and planning strategies for the future in a way that our clients feel is integrated and thorough. We accept appointments at either location or will drive to meet you at an alternate location. The Lake Avenue Group at Morgan Stanley is committed to providing you professional wealth management with a personal touch. We encourage you to meet with us to explore how we can help free you to live your life with confidence in your financial future. Life is better at the Lake!
Westlake Village
100 N. Westlake Blvd. Suite 200
Westlake Village, CA 91362
(805) 494-0236
The Lake Avenue Group- Team Brochure and Biographies
- The Lake Avenue Group Team Brochure and Biographies
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What We're Up To
Awards and Recognitions
Thanks to the unwavering commitment to helping clients and families reach their investment goals, Darius and Laura have been awarded with the following industry awards and recognitions.
Click Here To View
Nonprofit Sponsorship's
The Lake Avenue Group is proud to participate and sponsor various nonprofit organizations including Boys & Girls Club of Greater Conejo Valley, CMATO California Museum of Art Thousand Oaks, Conejo Valley Estate Planning Council, Elizabeth House, The First Tee, Friends In Deed, Gift of Life Los Angeles, New West Symphony, Senior Concerns, Westlake Yacht Club, TO Arts and WVJ.
Click Here To ViewWorking With You
At The Lake Avenue Group, we can help you with specific financial needs or create individualized plans that focus both sides of your balance sheet and virtually every aspect of your financial life toward your personal goals and objectives.
Often people accumulate assets without really thinking about their ultimate purpose. We believe that purpose should always be the guiding force behind any investment or financial decision you make. We’ll review your current finances and ask questions that help us learn about your most important objectives. Once we have thoroughly understood where you are and where you want to go, we can then help you establish priorities and develop strategies that work in concert, not at odds, in pursuit of those objectives.
Often people accumulate assets without really thinking about their ultimate purpose. We believe that purpose should always be the guiding force behind any investment or financial decision you make. We’ll review your current finances and ask questions that help us learn about your most important objectives. Once we have thoroughly understood where you are and where you want to go, we can then help you establish priorities and develop strategies that work in concert, not at odds, in pursuit of those objectives.
Our Mission
Our mission is to help guide, protect and enhance your lives. We prepare you to weather life’s challenges and benefit from its inevitable opportunities. Our commitment is to understand your personal situations, provide suitable recommendations and regularly monitor and communicate results.
Our Vision
Our Vision is to share the responsibilities of wealth management with you to help simplify the process of asset accumulation, management, protection and distribution across all generations of your family. Wealth management is not just about resources, but how to use them with creativity, innovation and flexibility.
Our Standard of Excellence
We offer a steady hand through the ups and downs of the market. We believe in long-term planning and building portfolios that take into account your time horizon, risk tolerance, special tax considerations or investment restrictions and other needs and preferences. Through Morgan Stanley, we are able to offer you intellectual capital, proactive planning and money management systems that have historically only been available to large institutions and the wealthiest of families.
Our Client Relationships
We build strong relationships with you, developing a foundation of mutual trust and the ability to offer more personalized advice, service and wealth management strategies. Sharing the responsibilities of wealth management with you, we help simplify the process of asset accumulation, management, protection and distribution across generations.
Service Model
The Lake Avenue Group at Morgan Stanley strives to deliver the highest quality wealth management service and advice to our clients. We commit to you that we will act with the highest level of integrity, putting your best interest above all else.
Service Model
The Lake Avenue Group strives to deliver the highest quality wealth management service and advice to our clients. We commit to you that we will act with the highest level of integrity, putting your best interest above all else.
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The Basics of Estate Planning
Morgan Stanley Family Office Resources offers a differentiated value proposition to integrate comprehensive tax, estate, and financial planning strategies into your overall wealth plan.
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Estate & Gift Tax
This educational video discusses the basics and highlights the resources available in estate planning strategies to help you address some of life's challenges and opportunities as they arise.
Click Here To WatchPortfolio Management Process
After we develop your individualized plan together, we guide you in its implementation. For your investment needs, we offer a multitude of strategies, including individual securities and discretionary portfolio management that will help relieve you of day-to-day trading decisions and market monitoring. Morgan Stanley’s tremendous resources also allow us to offer distinctive alternative investment opportunities for qualified investors.
Our proprietary portfolios, developed by portfolio manager Darius Raulinaitis, are often paired with complimentary investment strategies to provide you with the right mix to help you meet your needs. We seek securities that are undervalued in prevailing markets and employ rigorous risk management discipline. Clients with substantial legacy positions can be assured that we will maintain those positions, if they prefer, or liquidate them over time so as not to incur unnecessary tax liability. We pay close attention to portfolio turnover and strive to hold positions until they reach what we believe to be their full potential.
Our proprietary portfolios, developed by portfolio manager Darius Raulinaitis, are often paired with complimentary investment strategies to provide you with the right mix to help you meet your needs. We seek securities that are undervalued in prevailing markets and employ rigorous risk management discipline. Clients with substantial legacy positions can be assured that we will maintain those positions, if they prefer, or liquidate them over time so as not to incur unnecessary tax liability. We pay close attention to portfolio turnover and strive to hold positions until they reach what we believe to be their full potential.
Investment Approach:
The approach is both top-down and bottom-up. The top-down analysis will generate the portfolio’s asset allocation construction and industry allocation while a bottom-up analysis will fill out the individual securities holdings.
Valuation
Broad sector and asset allocation decisions are made based on historic valuation levels and our analysis of the direction of asset values. The portfolios are comprised of stocks that are undervalued in our view. The inclusion of securities could be reached by looking at historical valuations of P/E, Price to Book, Price to Cash Flow and other metrics either on a relative or absolute basis.
Research
We use many sources of both proprietary Firm research as well as independent third party sources. Our screening tools are Factset Research Systems, Morningstar Institutional Research and internal MSSB screens. We also use New Constructs for forensic accounting.
Valuation
Broad sector and asset allocation decisions are made based on historic valuation levels and our analysis of the direction of asset values. The portfolios are comprised of stocks that are undervalued in our view. The inclusion of securities could be reached by looking at historical valuations of P/E, Price to Book, Price to Cash Flow and other metrics either on a relative or absolute basis.
Research
We use many sources of both proprietary Firm research as well as independent third party sources. Our screening tools are Factset Research Systems, Morningstar Institutional Research and internal MSSB screens. We also use New Constructs for forensic accounting.
Investment Universe:
Equity
Individual stocks, ETFs, Closed-end Funds and Open-end Mutual Funds can be used to gain exposure in specialty or industry sectors. The majority of the equity holdings pay a dividend, have a strong record of dividend growth and have the potential for continued dividend growth.
Fixed Income
ETFs and Closed–end Funds that invest in all sectors of the fixed income markets, and occasionally, individual bonds or preferred stocks may be included in the portfolios.
Alternative Investments
Investments that give access to the currency, commodity or other alternative asset class investment markets may be part of the portfolio. Private Equity, Hedge Funds, Private Real Estate, Managed Futures and Exchange Funds provide diversification and often add alpha.
Individual stocks, ETFs, Closed-end Funds and Open-end Mutual Funds can be used to gain exposure in specialty or industry sectors. The majority of the equity holdings pay a dividend, have a strong record of dividend growth and have the potential for continued dividend growth.
Fixed Income
ETFs and Closed–end Funds that invest in all sectors of the fixed income markets, and occasionally, individual bonds or preferred stocks may be included in the portfolios.
Alternative Investments
Investments that give access to the currency, commodity or other alternative asset class investment markets may be part of the portfolio. Private Equity, Hedge Funds, Private Real Estate, Managed Futures and Exchange Funds provide diversification and often add alpha.
Location
100 N Westlake Blvd
Ste 200
Westlake Village, CA 91362
US
Direct:
(805) 494-0236(805) 494-0236
Toll-Free:
(800) 362-6992(800) 362-6992
Meet The Lake Avenue Group
Senior Vice President, Financial Advisor, Alternative Investments Director, Insurance Planning Director, Workplace Advisor - Equity Compensation, Lending Specialist
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Alternative Investments Director
Phone:
(805) 494-0249(805) 494-0249
Ryan Parker, Financial Planning Specialist
Financial Advisor
Phone:
(805) 494-0246(805) 494-0246
Michael Shelley
Registered Client Service Associate
Phone:
(805) 494-0297(805) 494-0297
Kseniya Tsipis
Registered Client Service Associate
Phone:
(805) 494-0290(805) 494-0290
About P. Darius Raulinaitis
Darius is a Senior Vice President, Portfolio Management Director and Co-Founder of The Lake Avenue Group at Morgan Stanley. He has dedicated his career to helping successful professionals, business leaders and their families invest strategically to achieve their goals and enjoy their wealth. Serving as the team’s Chief Investment Officer, Darius is responsible for managing discretionary client portfolios on a day-today basis and has developed the group’s portfolios. He joined Morgan Stanley in 1990 and has been a valuable member of the firm ever since.
A first-generation American whose family emigrated from Lithuania in 1955, Darius is deeply devoted to his family, his culture and his clients. His work ethic is demonstrated by his lifelong commitment to professional development. A graduate of the University of California Los Angeles (UCLA), where he earned his B.A. degree in economics, Darius continued his education, receiving an MSBA in international finance from San Francisco State University. In 1993, he earned the distinguished designation of Chartered Financial Analyst® (CFA®), a credential earned by less than 2% of all financial advisors in North America. He is a member of the CFA Institute and the CFA Society of Los Angeles, Inc. With Darius’s extensive investment experience, he has developed a strong understanding of economics and is well versed in the global equity and fixed income markets. Over the years, he has cultivated specialized skills in asset valuation and portfolio management, and has mastered a variety of sophisticated investment tools. He uses a top-down, bottom-up approach to develop customized investment strategies for each client and believes valuations must be considered in the context of the macroeconomic environment.
Outside of the office, Darius brings the same energy and passion that he brings to his work to the organizations he has proudly supported for years. He is currently on the finance committee of Senior Concerns, which provides senior services and Meals on Wheels in the local communities. Darius is also a longstanding member of the Westlake Yacht Club. A past commodore, he served on the board of directors from 2013 to 2018 and is now serving on the budget finance and risk management committees. In 2021, he was named by Forbes magazine as Best-In-State wealth advisor.
Darius lives near the beautiful lake in Westlake Village with his wife and business partner, Laura Marie Raulinaitis, and their dogs, Cooper and Honey. Favorite leisure activities include sailing, skiing, cooking and cycling. His daughter, Julia, attends the University of Colorado.
p.darius.raulinaitis@morganstanley.com
(805) 494-0242
"Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20. "
A first-generation American whose family emigrated from Lithuania in 1955, Darius is deeply devoted to his family, his culture and his clients. His work ethic is demonstrated by his lifelong commitment to professional development. A graduate of the University of California Los Angeles (UCLA), where he earned his B.A. degree in economics, Darius continued his education, receiving an MSBA in international finance from San Francisco State University. In 1993, he earned the distinguished designation of Chartered Financial Analyst® (CFA®), a credential earned by less than 2% of all financial advisors in North America. He is a member of the CFA Institute and the CFA Society of Los Angeles, Inc. With Darius’s extensive investment experience, he has developed a strong understanding of economics and is well versed in the global equity and fixed income markets. Over the years, he has cultivated specialized skills in asset valuation and portfolio management, and has mastered a variety of sophisticated investment tools. He uses a top-down, bottom-up approach to develop customized investment strategies for each client and believes valuations must be considered in the context of the macroeconomic environment.
Outside of the office, Darius brings the same energy and passion that he brings to his work to the organizations he has proudly supported for years. He is currently on the finance committee of Senior Concerns, which provides senior services and Meals on Wheels in the local communities. Darius is also a longstanding member of the Westlake Yacht Club. A past commodore, he served on the board of directors from 2013 to 2018 and is now serving on the budget finance and risk management committees. In 2021, he was named by Forbes magazine as Best-In-State wealth advisor.
Darius lives near the beautiful lake in Westlake Village with his wife and business partner, Laura Marie Raulinaitis, and their dogs, Cooper and Honey. Favorite leisure activities include sailing, skiing, cooking and cycling. His daughter, Julia, attends the University of Colorado.
p.darius.raulinaitis@morganstanley.com
(805) 494-0242
"Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20. "
Securities Agent: MN, MA, AR, SD, SC, RI, OK, NH, ID, PA, NV, MD, FL, WV, NM, CA, OH, WA, UT, CT, WY, VA, TX, TN, ME, IA, DE, NE, MO, LA, GA, OR, NC, HI, KS, IL, DC, AZ, NY, NJ, IN, CO, AL, AK, WI, MI, MT; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282886
CA Insurance License #: 0A89029
NMLS#: 1282886
CA Insurance License #: 0A89029
About Laura Marie Raulinaitis
Laura Marie is a Senior Vice President, Alternative Investments Director and
Co-Founder of The Lake Avenue Group at Morgan Stanley. With passion and conviction, she serves as the team leader, shaping the group’s strategic vision. Laura Marie believes in the strength, partnership and comradery of teams. As a basketball player in her younger years, she learned first-hand about the value of communication and the importance of trust, which all effective teams possess. She strategically built The Lake Avenue Group to utilize the strengths of each team member, seeking to ensure clients have all the resources they need to address their financial concerns and circumstances from one complete team.
As one of the team’s two CERTIFIED FINANCIAL PLANNERs™, Laura Marie is committed to earning the trust of families by focusing on multigenerational wealth transfer and managing family dynamics.
Serving as a financial advisor, she helps clients create strategies for almost all aspects of their financial-lives — from putting children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy. Laura Marie prides herself on providing the highest level of service. She has a particular knack for taking a bird’s-eye view, finding the most effective and efficient route to achieving each client’s goals. Her flexibility and passion for connecting with others enables her to quickly pivot when the situation calls.
Laura Marie’s most important work prior to joining Morgan Stanley came from growing up in rural Maine, where she worked at a family-owned sporting camp. This experience had a profound impact on the rest of her life. It is where she developed her strong work ethic, where she was introduced to the stock market by a vacationing guest, and where she learned about the unique challenges facing small-business owners. The meeting inspired her to pursue a profession where she could combine her newfound interest in finance with her desire to help others. This passion underscores her commitment to offering every client a financial plan not only to prepare for, also to deliver a better future.
Laura Marie believes the traits of honesty, hard work and perseverance that she learned from her parents during childhood serve as the bedrock of her advisory practice today. She also believes in the power of giving back. She and her husband are involved in a number of local charities, including
The Westlake Yacht Club and their sailing program for kids. Laura Marie is also active with the California Museum of the Arts in Thousand Oaks, the New West Symphony, the Elizabeth House for Battered Women, the Pasadena Boys and Girls Club and the Westlake Juniors.
Laura Marie earned her B.S. degree in business administration and has been with Morgan Stanley since 1997. In 2020 & 2021, she was chosen by Forbes magazine as one of the top women wealth advisors in the country. In 2021, she was chosen by Forbes magazine as one of the Best-In-State wealth advisors. In 2022, she was chosen by Forbes magazine as one of the Best in State Women Advisors. Laura Marie lives in Westlake Village with her husband and business partner, Darius, and their dogs, Honey, Freddie and Charlie and commutes to the Westlake office. Never meeting a challenge she didn’t like, she runs marathons, rides bikes and snowboards. Laura Marie also enjoys reading, country music and sailing on their boat, Liberty, on Westlake Lake.
lauramarie.raulinaitis@morganstanley.com
(805) 494-0236
"2020-2021 Forbes America's Top Women Wealth Advisors & 2022 Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020-2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.."
"2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.."
Co-Founder of The Lake Avenue Group at Morgan Stanley. With passion and conviction, she serves as the team leader, shaping the group’s strategic vision. Laura Marie believes in the strength, partnership and comradery of teams. As a basketball player in her younger years, she learned first-hand about the value of communication and the importance of trust, which all effective teams possess. She strategically built The Lake Avenue Group to utilize the strengths of each team member, seeking to ensure clients have all the resources they need to address their financial concerns and circumstances from one complete team.
As one of the team’s two CERTIFIED FINANCIAL PLANNERs™, Laura Marie is committed to earning the trust of families by focusing on multigenerational wealth transfer and managing family dynamics.
Serving as a financial advisor, she helps clients create strategies for almost all aspects of their financial-lives — from putting children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy. Laura Marie prides herself on providing the highest level of service. She has a particular knack for taking a bird’s-eye view, finding the most effective and efficient route to achieving each client’s goals. Her flexibility and passion for connecting with others enables her to quickly pivot when the situation calls.
Laura Marie’s most important work prior to joining Morgan Stanley came from growing up in rural Maine, where she worked at a family-owned sporting camp. This experience had a profound impact on the rest of her life. It is where she developed her strong work ethic, where she was introduced to the stock market by a vacationing guest, and where she learned about the unique challenges facing small-business owners. The meeting inspired her to pursue a profession where she could combine her newfound interest in finance with her desire to help others. This passion underscores her commitment to offering every client a financial plan not only to prepare for, also to deliver a better future.
Laura Marie believes the traits of honesty, hard work and perseverance that she learned from her parents during childhood serve as the bedrock of her advisory practice today. She also believes in the power of giving back. She and her husband are involved in a number of local charities, including
The Westlake Yacht Club and their sailing program for kids. Laura Marie is also active with the California Museum of the Arts in Thousand Oaks, the New West Symphony, the Elizabeth House for Battered Women, the Pasadena Boys and Girls Club and the Westlake Juniors.
Laura Marie earned her B.S. degree in business administration and has been with Morgan Stanley since 1997. In 2020 & 2021, she was chosen by Forbes magazine as one of the top women wealth advisors in the country. In 2021, she was chosen by Forbes magazine as one of the Best-In-State wealth advisors. In 2022, she was chosen by Forbes magazine as one of the Best in State Women Advisors. Laura Marie lives in Westlake Village with her husband and business partner, Darius, and their dogs, Honey, Freddie and Charlie and commutes to the Westlake office. Never meeting a challenge she didn’t like, she runs marathons, rides bikes and snowboards. Laura Marie also enjoys reading, country music and sailing on their boat, Liberty, on Westlake Lake.
lauramarie.raulinaitis@morganstanley.com
(805) 494-0236
"2020-2021 Forbes America's Top Women Wealth Advisors & 2022 Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020-2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.."
"2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.."
Securities Agent: NY, GA, VT, VA, DE, AK, SD, OK, SC, PA, KS, IN, DC, WA, OR, OH, LA, WI, RI, NC, MN, ME, IL, AZ, AL, NJ, ID, MT, IA, FL, CA, WY, UT, TX, TN, MO, MA, CT, NE, MI, CO, AR, NV, NM, MD, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282399
CA Insurance License #: 0C95912
NMLS#: 1282399
CA Insurance License #: 0C95912
About Dennis B Nagdeman
Dennis brings a lifetime of experience to his role as a Senior Vice President and Senior Investment Management Consultant at The Lake Avenue Group. For over 35 years, he has enjoyed working with individuals and families with a higher level of wealth, providing personalized advice through a disciplined approach. He focuses on portfolio management, risk analysis and alternative investments, which include private equities, hedge funds and managed futures. Dennis’s comprehensive approach includes a thorough planning process and a commitment to outstanding service. With precision and skill, he utilizes complex software to analyze portfolio risk for every one of our clients.
Growing up in Northwest Indiana, Dennis learned about perseverance, determination and loyalty from his family, who owned a fine men’s clothing store, Nagdeman’s, which was started by his grandfather in 1912. He took these traits with him as he began his career in 1983 as a Financial Advisor at E.F. Hutton (now Morgan Stanley). Despite numerous mergers and various market conditions, Dennis has remained a vital member of the firm’s history. This rare tenure has enabled him to build long-standing relationships with the firm’s senior leaders, providing immediate access to the full scope of Morgan Stanley’s intellectual and global resources. Dennis proudly joined The Lake Avenue Group in 2016 after relocating to Southern California from the Chicago area with his wife (and high school sweetheart), Rebecca.
Dennis is a graduate of Indiana University with a B.S. degree in marketing and business management. Throughout his career, he has remained committed to professional development, earning valuable industry and firm credentials. He received his CERTIFIED FINANCIAL PLANNER™ designation in 1986 and earned the Certified Investment Management Analyst® designation, taught in conjunction with The Wharton School at the University of Pennsylvania, in 2006. Dennis has also achieved important certifications at Morgan Stanley, including Senior Investment Management Consultant and Alternative Investments Director.
Over the years, Dennis has built a successful practice advising clients on how to better understand and manage their total financial pictures. It has been extremely rewarding for Dennis to see the impact a comprehensive strategy can have on his clients’ lives. Helping them develop a financial plan, implement that plan and reap the rewards from a disciplined investment approach gives him great satisfaction. He loves seeing his clients enjoy their retirement years without the fear of running out of money.
Dennis’ desire to help others is equaled only by his dedication to his industry, his community and his family. He is a member of the Association of Professional Investment Consultants, the Investments and Wealth Institute as well as ProVisors, and is currently on the board of the Conejo Valley Estate Planning Council. Outside of the office, he enjoys golfing at Calabasas Country Club, cooking, and reading books about politics and economics. Dennis has two grown children, David and Elizabeth, and recently he and Rebecca welcomed their first grandchild, Asher.
Dennis.B.Nagdeman@morganstanley.com
(805) 494-0238
Growing up in Northwest Indiana, Dennis learned about perseverance, determination and loyalty from his family, who owned a fine men’s clothing store, Nagdeman’s, which was started by his grandfather in 1912. He took these traits with him as he began his career in 1983 as a Financial Advisor at E.F. Hutton (now Morgan Stanley). Despite numerous mergers and various market conditions, Dennis has remained a vital member of the firm’s history. This rare tenure has enabled him to build long-standing relationships with the firm’s senior leaders, providing immediate access to the full scope of Morgan Stanley’s intellectual and global resources. Dennis proudly joined The Lake Avenue Group in 2016 after relocating to Southern California from the Chicago area with his wife (and high school sweetheart), Rebecca.
Dennis is a graduate of Indiana University with a B.S. degree in marketing and business management. Throughout his career, he has remained committed to professional development, earning valuable industry and firm credentials. He received his CERTIFIED FINANCIAL PLANNER™ designation in 1986 and earned the Certified Investment Management Analyst® designation, taught in conjunction with The Wharton School at the University of Pennsylvania, in 2006. Dennis has also achieved important certifications at Morgan Stanley, including Senior Investment Management Consultant and Alternative Investments Director.
Over the years, Dennis has built a successful practice advising clients on how to better understand and manage their total financial pictures. It has been extremely rewarding for Dennis to see the impact a comprehensive strategy can have on his clients’ lives. Helping them develop a financial plan, implement that plan and reap the rewards from a disciplined investment approach gives him great satisfaction. He loves seeing his clients enjoy their retirement years without the fear of running out of money.
Dennis’ desire to help others is equaled only by his dedication to his industry, his community and his family. He is a member of the Association of Professional Investment Consultants, the Investments and Wealth Institute as well as ProVisors, and is currently on the board of the Conejo Valley Estate Planning Council. Outside of the office, he enjoys golfing at Calabasas Country Club, cooking, and reading books about politics and economics. Dennis has two grown children, David and Elizabeth, and recently he and Rebecca welcomed their first grandchild, Asher.
Dennis.B.Nagdeman@morganstanley.com
(805) 494-0238
Securities Agent: DE, UT, NM, AR, AK, AL, PA, OK, MN, HI, WA, NV, MT, MD, CA, OH, ME, IN, FL, WI, NE, IL, GA, DC, TX, SC, OR, ID, IA, CT, AZ, SD, NJ, MO, LA, CO, TN, MI, KS, WY, VA, RI, NY, NC, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285180
CA Insurance License #: 0C15643
NMLS#: 1285180
CA Insurance License #: 0C15643
About Taylor Cutcliff
With extensive experience in private banking, risk management, operations, and business development, Taylor is deeply passionate about making a meaningful impact on her clients' lives. She firmly believes that trust is the foundation of every client relationship, and she is committed to prioritizing their financial and personal success in all her efforts.
As a Workplace Advisor and equity compensation specialist, Taylor develops customized strategies to help manage risk and minimize tax burdens for clients with concentrated equity positions and employer stock options. Her experience in navigating these complex financial situations is designed to ensure that her clients’ strategies are both robust and personalized.
With five years of industry experience, Taylor has earned her Certified Financial Planner (CFP®) designation, underscoring her comprehensive experience in financial planning, tax minimization, insurance, estate planning, and retirement strategies. Additionally, she holds Certified Divorce Financial Analyst (CDFA®) and Certified Private Wealth Advisor (CPWA®) certifications.
A Summa Cum Laude graduate from Seton Hall University with a B.S. in Business Administration and a concentration in Mathematical Finance, Taylor was also captain of her Division I Soccer Team.
As a Workplace Advisor and equity compensation specialist, Taylor develops customized strategies to help manage risk and minimize tax burdens for clients with concentrated equity positions and employer stock options. Her experience in navigating these complex financial situations is designed to ensure that her clients’ strategies are both robust and personalized.
With five years of industry experience, Taylor has earned her Certified Financial Planner (CFP®) designation, underscoring her comprehensive experience in financial planning, tax minimization, insurance, estate planning, and retirement strategies. Additionally, she holds Certified Divorce Financial Analyst (CDFA®) and Certified Private Wealth Advisor (CPWA®) certifications.
A Summa Cum Laude graduate from Seton Hall University with a B.S. in Business Administration and a concentration in Mathematical Finance, Taylor was also captain of her Division I Soccer Team.
Securities Agent: OK, AR, WY, PA, NE, ME, HI, DC, CT, CA, RI, NC, MI, LA, AL, AK, OH, NM, MS, MD, KY, SC, NH, MT, MA, IA, KS, WV, WI, WA, VT, UT, SD, IN, IL, ID, OR, ND, GA, DE, TN, NY, FL, VA, TX, NV, NJ, MO, MN, CO, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2161890
CA Insurance License #: 4230628
NMLS#: 2161890
CA Insurance License #: 4230628
About Ryan Parker
Ryan Parker is dedicated to safeguarding and growing his clients’ financial futures. With over 18 years of experience in the financial services industry, he takes a balanced approach to investing—optimistic about the future while preparing for the unexpected.
Ryan’s passion for finance traces back to one of his most profound childhood memories: witnessing the crash of 1987. As a child helping his father draw stock market charts on graph paper, he saw the fear and helplessness financial uncertainty could bring to the ones he loved. That moment sparked a lifelong mission striving to understand and manage financial risk.
With experience working alongside both large and boutique hedge funds, Ryan has developed knowledge and experience in quantitative strategy development, including market-neutral approaches designed to help diversify with non-correlated strategies. He also focuses on emerging fields such as digital currencies.
Ryan’s goal is to provide clients with peace of mind—helping them feel confident in the knowledge that their portfolios are carefully constructed to address diverse market conditions.
Beyond his professional life, Ryan is an accomplished musician and songwriter, earning a Grammy award for his work on the soundtrack of the film Juno. He and his wife are active in their community, raising two children who are passionate about sports and local activities.
Ryan’s passion for finance traces back to one of his most profound childhood memories: witnessing the crash of 1987. As a child helping his father draw stock market charts on graph paper, he saw the fear and helplessness financial uncertainty could bring to the ones he loved. That moment sparked a lifelong mission striving to understand and manage financial risk.
With experience working alongside both large and boutique hedge funds, Ryan has developed knowledge and experience in quantitative strategy development, including market-neutral approaches designed to help diversify with non-correlated strategies. He also focuses on emerging fields such as digital currencies.
Ryan’s goal is to provide clients with peace of mind—helping them feel confident in the knowledge that their portfolios are carefully constructed to address diverse market conditions.
Beyond his professional life, Ryan is an accomplished musician and songwriter, earning a Grammy award for his work on the soundtrack of the film Juno. He and his wife are active in their community, raising two children who are passionate about sports and local activities.
Securities Agent: VA, MA, AL, VT, NV, ND, HI, SC, PR, MT, IN, IL, CO, CA, AK, NY, MN, MD, IA, AZ, WI, SD, PA, OK, OH, NE, CT, WY, WA, OR, NC, GA, TX, KY, WV, UT, RI, NM, NH, LA, KS, ID, DE, NJ, MS, MI, FL, DC, VI, TN, ME, AR, MO; General Securities Representative; Investment Advisor Representative
About Michael Shelley
An experienced Registered Client Service Associate, Michael Shelley is responsible for a wide range of services for clients of The Lake Avenue Group. Michael aims to consistently exceed client expectations. His primary responsibilities include processing paperwork, providing technology assistance, and overseeing important administrative duties. He enjoys helping others and is committed to delivering an unparalleled service experience.
Michael is a graduate of the University of California, Los Angeles, where he earned a bachelor’s degree in communication studies. During his time at UCLA, Michael worked at two boutique wealth management firms in Westlake Village, CA. Upon graduating, Michael began working in entertainment at one of the top public relations firms in Los Angeles, CA. Michael eventually decided to return to the investment industry as an associate at Merrill Lynch, where he earned his Series 7 and Series 66.
Originally from Thousand Oaks, Michael still lives in the area and enjoys spending time with friends and family. Outside of the office, he enjoys hiking, traveling, shopping, dogs, and reality tv.
Michael is a graduate of the University of California, Los Angeles, where he earned a bachelor’s degree in communication studies. During his time at UCLA, Michael worked at two boutique wealth management firms in Westlake Village, CA. Upon graduating, Michael began working in entertainment at one of the top public relations firms in Los Angeles, CA. Michael eventually decided to return to the investment industry as an associate at Merrill Lynch, where he earned his Series 7 and Series 66.
Originally from Thousand Oaks, Michael still lives in the area and enjoys spending time with friends and family. Outside of the office, he enjoys hiking, traveling, shopping, dogs, and reality tv.
About Kseniya Tsipis
Kseniya Tsipis has spent 16 years supporting clients in the financial industry, with a recent role as a Wealth Management Client Associate at UnionBanc. In May 2023, she joined The Lake Avenue Group at Morgan Stanley as a Registered Client Service Associate, bringing her extensive client relations expertise.
Kseniya holds a bachelor’s degree in Business Economics from California State University, Northridge. Her career began in 2007 as a Private Wealth Associate at MUFG Private Wealth in Downtown LA, where she spent a decade developing client relations skills and managing portfolios. In 2017, she transitioned to UnionBanc in Beverly Hills as a Wealth Management Client Associate, gaining valuable experience in serving high net worth clients. Kseniya is licensed in both the Series 7 and Series 66, along with other insurance and real estate licenses.
Outside of her professional life, Kseniya prioritizes family time with her husband and two children, Ellie (7) and Jake (4). They recently moved from Toluca Lake to West Hills and enjoy exploring parks, trails, and restaurants. Kseniya's interests include reading, Pilates, yoga, travel, and occasional adventures such as skydiving and scuba diving.
Kseniya holds a bachelor’s degree in Business Economics from California State University, Northridge. Her career began in 2007 as a Private Wealth Associate at MUFG Private Wealth in Downtown LA, where she spent a decade developing client relations skills and managing portfolios. In 2017, she transitioned to UnionBanc in Beverly Hills as a Wealth Management Client Associate, gaining valuable experience in serving high net worth clients. Kseniya is licensed in both the Series 7 and Series 66, along with other insurance and real estate licenses.
Outside of her professional life, Kseniya prioritizes family time with her husband and two children, Ellie (7) and Jake (4). They recently moved from Toluca Lake to West Hills and enjoy exploring parks, trails, and restaurants. Kseniya's interests include reading, Pilates, yoga, travel, and occasional adventures such as skydiving and scuba diving.
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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
Londyn Crowder-Maree
Private Banker
Jesse Mazza
Private Banker
About Londyn Crowder-Maree
Londyn Crowder-Maree is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Londyn began her career in financial services in 2008, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, she was a Regional Bank Private Banker at Wells Fargo Bank, N.A. She also served as a Wealth Management Banker and an Internal Sales Specialist at Merrill Lynch.
Londyn is a graduate of Rutgers University, where she received Bachelor of Arts in Economics and a Masters of Business Administration from Florida Atlantic University in Boca Raton, FL. She lives in Valencia, CA with her daughter Jonah. Outside of the office, Londyn enjoys fashion, music as well as dedicating time to her church and philanthropic outreach programs.
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.
Londyn began her career in financial services in 2008, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, she was a Regional Bank Private Banker at Wells Fargo Bank, N.A. She also served as a Wealth Management Banker and an Internal Sales Specialist at Merrill Lynch.
Londyn is a graduate of Rutgers University, where she received Bachelor of Arts in Economics and a Masters of Business Administration from Florida Atlantic University in Boca Raton, FL. She lives in Valencia, CA with her daughter Jonah. Outside of the office, Londyn enjoys fashion, music as well as dedicating time to her church and philanthropic outreach programs.
NMLS#: 800266
About Jesse Mazza
Jesse Mazza is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Jesse began his career in financial services in 2011 and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Jesse is a graduate of the University of La Verne, where he received a Bachelor of Science in Business Administration. He lives in Thousand Oaks, California with his wife and 2 children. Outside of the office, Jesse enjoys spending time with his family, hiking, traveling, and cooking.
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.
Jesse began his career in financial services in 2011 and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Jesse is a graduate of the University of La Verne, where he received a Bachelor of Science in Business Administration. He lives in Thousand Oaks, California with his wife and 2 children. Outside of the office, Jesse enjoys spending time with his family, hiking, traveling, and cooking.
NMLS#: 667403
Wealth Management
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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
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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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
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- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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Are You Prepared for Tax Day?
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
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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.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Lake Avenue 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.
2Morgan 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
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 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.
2Morgan 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
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 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
CRC 6491812 (04/2024)
