Gregory Prevatt, CFP®, CLTC®
Senior Vice President, Financial Advisor
Phone:
(352) 751-7849(352) 751-7849
The Lake Sumter Group at Morgan Stanley
Direct:
(352) 751-7845(352) 751-7845
Toll-Free:
(800) 447-6036(800) 447-6036
Our Mission Statement
Experienced wealth planning services for your life and legacy goals
Our Story and Services
Many Americans today plan their schedule in the most meticulous of ways. Whether it be exercise routines, nutrition, or work schedules; all in an effort to stay healthy, spend more time with family, friends, or even more time on vacation.
However, many people do not have a financial plan that addresses financial emergencies such as an extended care event or premature death. Further, what about retirement? How much will it cost? Do you have enough? What type of legacy do you want to leave?
As CERTIFIED FINANCIAL PLANNER™ professionals, we understand the unique financial challenges American’s are facing today. With experience in the areas of insurance planning, retirement planning, investment planning, estate planning, and tax planning, we can help create a plan that will give you confidence you are making the right decisions about your future.
Named to the 2024 and 2025 Forbes Best-In-State Wealth Management Teams Ranking
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024 and 2025) Data compiled by SHOOK Research
LLC for the period 3/31/22-3/31/23 and 3/31/23-3/31/24
However, many people do not have a financial plan that addresses financial emergencies such as an extended care event or premature death. Further, what about retirement? How much will it cost? Do you have enough? What type of legacy do you want to leave?
As CERTIFIED FINANCIAL PLANNER™ professionals, we understand the unique financial challenges American’s are facing today. With experience in the areas of insurance planning, retirement planning, investment planning, estate planning, and tax planning, we can help create a plan that will give you confidence you are making the right decisions about your future.
Named to the 2024 and 2025 Forbes Best-In-State Wealth Management Teams Ranking
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024 and 2025) Data compiled by SHOOK Research
LLC for the period 3/31/22-3/31/23 and 3/31/23-3/31/24
Services Include
- Financial PlanningFootnote1
- Asset Management
- Retirement PlanningFootnote2
- Trust Services*
- Estate Planning StrategiesFootnote3
- 401(k) Rollovers
- Life InsuranceFootnote4
- Long Term Care InsuranceFootnote5
- Planning for Education FundingFootnote6
- Wealth PlanningFootnote7
- Cash Management and Lending ProductsFootnote8
- Qualified Retirement PlansFootnote9
- Donor Advised Funds
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Structured Process
We are committed to helping you plan for today, tomorrow, and for years to come.
Below you will find our Personal Financial Planning Process:
Below you will find our Personal Financial Planning Process:
1. Introductory Meeting or Call
Listen to understand your needs and explain the Financial Planning Process.*
2. Discovery Meeting
Review statements and documents. Identify financial goals, investment preferences, and risk tolerance.*
We Stand Behind our Commitment to Security
Morgan Stanley makes a significant annual investment in cybersecurity so we can be on guard 24/7, 365 days a year. With a constantly changing threat landscape, we continuously monitor and defend our systems by monitoring the dark web through our dedicated cybersecurity experts, financial intelligence, independent cybersecurity partners, and real-time analysis.
Morgan Stanely's Security Features include
- End-to-End Encryption
- Secure Login/Password Complexity Indicator
- Automatic Session Time-Out
- VoiceID
- Alerts and Notifications
- Multi-Factor Authentication(MFA)
- Fraud Detection and Prevention
Top Recommended Safeguards to Help Protect Yourself
- Keep you software, operating system and browser up to date
- Use Multi Factor Authentication(MFA)
- Only download applications from your designated app store
- Avoid using public Wi-Fi hotspots
- Run a reputable anti-virus product on your PC and laptop
- Don't reuse the same password across multiple accounts
- Don't use publicly available charging cords or USB ports
- Don't click on links or open attachments in unsolicited emails or texts
- Use secure messaging or storage tools to transmit or maintain sensitive information
- Limit how much information you share on social media
Forbes Best-In-State Wealth Management Teams 2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Forbes Best-In-State Wealth Management Teams 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Location
832 Lake Sumter Landing
The Villages, FL 32162
US
Direct:
(352) 751-7845(352) 751-7845
Toll-Free:
(800) 447-6036(800) 447-6036
Meet The Lake Sumter Group
Michael Monteith, CFP®
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(352) 751-7858(352) 751-7858
Mike Kinzer
Vice President, Branch Manager, Financial Advisor
Phone:
(352) 751-7857(352) 751-7857
Nicole Silberstein
Portfolio Associate
Phone:
(352) 751-7845(352) 751-7845
About Gregory Prevatt
As a CERTIFIED FINANCIAL PLANNER™, Greg assesses his client’s risk tolerance, to then develop strategies he and his team put to use as they build a retirement plan. He believes this personalized approach brings confidence to the team’s clients about their financial future.
Greg’s entrepreneurial nature has been evident throughout his career, including the founding of a food services business right out of college. Following graduation from Florida State University with a Bachelor of Science in Finance, he worked with several successful firms before launching his career in financial services. To deepen his knowledge in the field, Greg obtained the CFP® designation in 2007, and the CLTC® designation in 2011. Lastly, Greg has earned the right to use the Certified Kingdom Advisor(CKA®) designation by the Kingdom Advisor organization. Kingdom Advisors is a member driven fellowship of Christian Financial Advisors. These designations reflect Greg's commitment to financial planning, stewardship, and finishing well.
During his free time, Greg enjoys salt water activities such as fishing and boating, as well as exploring and camping in their RV, with family and friends.
Disclaimer: Morgan Stanley has no affiliation with Kingdom Advisors and the CKA® designation is not overseen or endorsed by the Firm. Morgan Stanley does not discriminate on the basis of any protected status, and welcomes clients and provides investment advisory services without regard to religious affiliation. For more information about the designation, please see: https://kingdomadvisors.com/association/designation/overview
Greg’s entrepreneurial nature has been evident throughout his career, including the founding of a food services business right out of college. Following graduation from Florida State University with a Bachelor of Science in Finance, he worked with several successful firms before launching his career in financial services. To deepen his knowledge in the field, Greg obtained the CFP® designation in 2007, and the CLTC® designation in 2011. Lastly, Greg has earned the right to use the Certified Kingdom Advisor(CKA®) designation by the Kingdom Advisor organization. Kingdom Advisors is a member driven fellowship of Christian Financial Advisors. These designations reflect Greg's commitment to financial planning, stewardship, and finishing well.
During his free time, Greg enjoys salt water activities such as fishing and boating, as well as exploring and camping in their RV, with family and friends.
Disclaimer: Morgan Stanley has no affiliation with Kingdom Advisors and the CKA® designation is not overseen or endorsed by the Firm. Morgan Stanley does not discriminate on the basis of any protected status, and welcomes clients and provides investment advisory services without regard to religious affiliation. For more information about the designation, please see: https://kingdomadvisors.com/association/designation/overview
Securities Agent: NC, MO, IN, IL, FL, CT, AK, MA, WV, MD, CA, VT, SC, DE, NV, MN, OH, NJ, MI, GA, TX, VA, PA, NY, KY, CO, WI, WA, TN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262242
NMLS#: 1262242
About Michael Monteith
Michael serves an essential role as he and his team develop strategies for their clients’ satisfaction. Working with clients to build financial plans unique to their needs is deeply satisfying to Michael’s work with the Lake Sumter Group. He is committed to addressing client concerns as well as suggesting sound financial solutions for their evolving needs. Michael believes that combining talents and resources of his team and a global firm with 7.9 trillion in client assets is critical to improving outcomes.
Michael is a CFP® professional awarded by the CERTIFIED FINANCIAL PLANNER™ Board of Standards. He has been nominated five consecutive years to Morgan Stanley’s distinguished Pacesetters Club (2014-2018). Further, he was recognized by Forbes as a Best-In-State Next-Gen Wealth Advisor in 2022, 2023 and 2024. Michael graduated from Florida State University with a B.S. in Finance with a minor in Economics.
Active in his community, Michael is involved with youth athletics and coaches baseball in support of his two sons. He is also a member of the Tri-County estate planning council. In his free time, he enjoys exercising, FSU football, and spending quality time with his family.
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded August of 2022, 2023, & 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22, 3/31/22 - 3/31/23, and 3/31/23-3/31/24.
Michael is a CFP® professional awarded by the CERTIFIED FINANCIAL PLANNER™ Board of Standards. He has been nominated five consecutive years to Morgan Stanley’s distinguished Pacesetters Club (2014-2018). Further, he was recognized by Forbes as a Best-In-State Next-Gen Wealth Advisor in 2022, 2023 and 2024. Michael graduated from Florida State University with a B.S. in Finance with a minor in Economics.
Active in his community, Michael is involved with youth athletics and coaches baseball in support of his two sons. He is also a member of the Tri-County estate planning council. In his free time, he enjoys exercising, FSU football, and spending quality time with his family.
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded August of 2022, 2023, & 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22, 3/31/22 - 3/31/23, and 3/31/23-3/31/24.
Securities Agent: NV, TX, MO, IN, NY, TN, MI, AK, WA, SC, FL, PA, NC, NJ, MA, DE, CT, WI, VT, MN, IL, VA, OH, KY, CA, WV, MD, GA, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265211
NMLS#: 1265211
About Mike Kinzer
With over 30 years working as a financial advisor, Mike brings his experience through a variety of market swings to the Lake Sumter Group to help clients through each phase of their financial journey. His passion for his job and helping others have been a big part of his success. Mike has also given back in a variety of ways. He has volunteered as a youth baseball coach for 13 years and served as a board member for the Arnette House. Currently, he is on the board of the Marion County Seminole boosters of which he served 5 years as president.
Mike was born and raised in Ocala. He graduated from Florida State University before beginning his career as an advisor with Dean Witter in 1991. He has served as Branch Manager of The Villages Morgan Stanley office since 2012 and recently accepted responsibility of managing the Ocala Morgan Stanley office also. Mike has been married to his wife Pepper for 27 years and they have three grown children, Austin, Erin, and Lauren, and 2 rescue dogs.
Mike was born and raised in Ocala. He graduated from Florida State University before beginning his career as an advisor with Dean Witter in 1991. He has served as Branch Manager of The Villages Morgan Stanley office since 2012 and recently accepted responsibility of managing the Ocala Morgan Stanley office also. Mike has been married to his wife Pepper for 27 years and they have three grown children, Austin, Erin, and Lauren, and 2 rescue dogs.
Securities Agent: HI, IA, ID, KS, KY, LA, ME, MT, NH, OK, OR, VI, VT, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, MA, MD, MI, MN, MO, MS, NC, ND, NE, NJ, NM, NV, NY, OH, PA, PR, RI, SC, SD, TN, TX, UT, VA, WA, WI; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1312582
NMLS#: 1312582
About Nicole Silberstein
Nicole is the first point of contact for The Lake Sumter Group’s day-to-day portfolio service needs. She applies her strong work ethic and nearly 20 years of financial industry experience to ensure client administrative and operational requests are handled in a prompt and accurate manner. In her 12 years with Morgan Stanley, she has successfully obtained her Series 7 and 66 licenses. Her promotions to Registered Client Service Associate and Portfolio Associate demonstrate her diligence in furthering her knowledge and capabilities in her current role.
Away from the office, she enjoys spending time with her Fiancée Chase, daughter Alexis and her sons Lyric and Carter. Her passions are traveling, spending time on the water, and spending time with friends enjoying all the festivities sunny Florida has to offer.
Away from the office, she enjoys spending time with her Fiancée Chase, daughter Alexis and her sons Lyric and Carter. Her passions are traveling, spending time on the water, and spending time with friends enjoying all the festivities sunny Florida has to offer.
Contact Gregory Prevatt
Contact Michael Monteith
Contact Mike Kinzer
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
Robert Mickler
Private Banker
About Robert Mickler
Robert Mickler is a Private Banker serving Morgan Stanley Wealth Management offices in Florida and Georgia.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
NMLS#: 863115
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
Article Image
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
Article Image
Ready to start a conversation? Contact The Lake Sumter Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7Morgan 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.
8Morgan 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
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7Morgan 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.
8Morgan 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
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
