Our Story and Services

With over 120 years of combined experience in financial services, The Glazier Laviano Hathcock Group at Morgan Stanley is well-equipped with the knowledge and vision to foster, oversee and preserve your wealth. We cater to high-net-worth individuals, institutional investors, multigenerational families, corporate executives, nonprofits and endowments. Based in northern New Jersey, we frequently consult with clients in the tri-state area, but also have a strong presence in Florida as well as other states nationwide.

Our comprehensive experience in portfolio management, wealth management, estate planning strategies, lending solutions, corporate retirement planning, risk management and other key areas enables us to provide ideal solutions to adequately balance your financial and emotional motivations.

Delivering white-glove service presented in a professional yet personalized manner is the cornerstone of our group. To offer even more value to clients, we leverage the world-class resources and tools available through Morgan Stanley.

Our approach begins with a thorough discovery meeting. We'll invest the time to understand your financial aspirations, needs and concerns. You'll then receive a tailored financial plan which serves as the foundation for our relationship on how to best serve you. Additionally, your plan includes a "stress test" to better prepare you for the expected and unexpected.

We understand the importance of holistic financial planning. As such, we're happy to work with your other trusted advisors—such as a CPA or estate attorney—to help ensure all components of your financial world are working in harmony for you. Doing so may also ease the need for you to communicate any changes to each advisor.

We invite you to learn more about our group, and welcome the opportunity to meet with you.

Frank Laviano was ranked on Forbes Best-In-State Wealth Advisors in 2023 and 2024.
2023 and 2024 Forbes America's Top Wealth Advisors. Source: Forbes.com (Awarded April 2023 & 2024) ) Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.

Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Financial Goal Setting

The Glazier Laviano Hathcock Group aims to understand what is important to you and work together to map out a plan that can help you achieve your financial goals.
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    Discover
    Start with a conversation so we can gain a thorough understanding of your financial needs, investments, lifestyle and family – and your goals for the future.
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    Advise
    We work with you to develop portfolio strategies to help you achieve your financial goals and protect the outcomes you envision.
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    Implement
    We look across multiple accounts and products to help you implement investment strategies and other solutions that are an appropriate fit for your goals.
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    Track Progress
    We help you track your progress as well as spending and savings to help you remain on track toward your financial goals.

Our Suite of Digital Tools

Morgan Stanley's suite of financial wealth management technology makes it easier for our clients to view and manage their finances. It allows for a more in-depth view of your finances, allowing me to provide more personalized advice and better service, so you can make more informed decisions.
    Morgan Stanley Online (photo) - DO NOT EDIT CONTENT - MUST USE AS IS
    Morgan Stanley Online
    Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
    Register for Morgan Stanley Online Today
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    Morgan Stanley Mobile App
    The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle.
    Portfolio Risk Platform (photo) - DO NOT EDIT CONTENT - MUST USE AS IS
    Portfolio Risk Platform
    Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
    Portfolio Risk Platform
    Digital Vault - (photo) - DO NOT EDIT CONTENT - MUST USE AS IS
    Digital Vault
    Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
    Get Started Today

MORGAN STANLEY RESEARCH

Morgan Stanley seeks to make complex financial ideas more digestible so that our clients have greater visibility into what we're doing on their behalf to plan for their financial future, and why. The links below provide an in-depth analysis on interesting and timely topics affecting the worlds of business and finance not only now, but in the foreseeable future.
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    Thoughts On The Market Podcast
    With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
    Check Out The Latest Episode
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    Morgan Stanley Research Reports
    Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
    Read The Latest Reports
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    Global Investment Committee Weekly Research Report
    The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
    GIC Weekly Research Report
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    Morgan Stanley Minute
    Explore our 1-minute investment insights videos, in this on-going series, from our firm’s leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
    Listen Here
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    2025 Tax Tables
    Tax Table

SPECIALIZATIONS

With current volatility in the markets and interest rate uncertainty alternative investments can be a potentially attractive investment. Morgan Stanley has an extensive alternatives platform and The Glazier Laviano Hathcock Group is here to help you navigate it and determine if alternative investments belong in your portfolio.

We leverage our unique position and our affiliates to source innovative strategies from among the most knowledgeable investment minds in the business. Employing rigorous due diligence to identify, evaluate and select each alternative investment product on our platform, we work to identify the managers that we believe are highly qualified to help our clients meet their objectives. Your choices will depend on your goals, objectives and risk tolerance.

Location

Mack Center Iv, S 61 Paramus Rd.
Paramus, NJ 07652
US
Direct:
(201) 712-4000(201) 712-4000

Meet The Laviano Hathcock Group

About Frank Laviano

Frank Laviano is a highly experienced Executive Director, Financial Advisor and Senior Portfolio Manager who works out of Morgan Stanley’s Paramus, NJ and West Palm, FL branch offices. He provides tailored financial plans to a broad spectrum of high net worth individuals and institutional investors.

Frank offers a wide range of high-quality services, including individual money management, insurance and estate planning strategies. He also has experience helping corporations establish and maintain retirement programs, such as 401(k) plans, and assisting employees and individuals with retirement plan investing.

Frank is among a select group of Financial Advisors at Morgan Stanley to earn the Corporate Retirement Director (CRD) title. To qualify for this designation, an individual must be identified by Morgan Stanley as a retirement-focused Financial Advisor; have a proven track record working with corporate and institutional clients; achieved stringent requirements with regard to the number and size of retirement plans serviced; and hold an external, retirement-focused designation with ongoing continuing education requirements.

Prior to entering financial services, Frank played in the minor leagues with the New York Yankees.

Frank was born in Bronx, New York. He played baseball for the prestigious Don Bosco Preparatory High School in Ramsey, NJ, and received a full baseball scholarship from George Mason University, where he earned a business management degree. Following graduation, he received a minor league contract to pitch for the Yankees.

After his third year with the Yankees, Frank embarked on his career as a financial advisor and built a successful practice—first at Prudential Securities and then at Wells Fargo, before joining Morgan Stanley as a Senior Vice President and Senior Portfolio Manager in 2010.

A deep commitment to maintain the highest standard of integrity has been the foundation of his professional growth.

While Frank tends to his clients’ finances, Alida Cabrera, his Client Service Associate for the past 12 years, handles all account service responsibilities. Alida has been a valuable addition to his practice. To help meet his clients’ varied financial needs, Frank also has highly valued business relationships with numerous other seasoned professionals, such as accountants, attorneys and bankers.

A devoted family man, Frank lives with his wife of nearly 30 years, Maria, and their daughter Victoria and son Vincent in Upper Saddle River, New Jersey. His hobbies include golfing and volunteerism.
Securities Agent: AK, RI, NM, NH, WV, WI, WA, VT, VA, OR, NJ, LA, KS, DC, VI, TN, OK, ND, MO, IN, NE, ME, MA, KY, FL, CT, AL, UT, NY, NC, MT, MD, AZ, AR, SC, MS, MN, IL, DE, WY, IA, CA, SD, PA, TX, MI, ID, GA, CO, OH, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1282619

About Me

Courtenay Hathcock is a Financial Advisor, Senior Portfolio Management Director at Morgan Stanley. With almost two decades of experience in financial services, he consults with clients about a broad array of important matters, such as retirement planning, trust services, philanthropy management and business planning. Courtenay develops and implements effective long-term strategies designed to both build wealth and facilitate the goals of his clients.

From endowments and foundations to individual professionals, he advises a diverse client base. They appreciate working with a seasoned, dedicated advisor who provides access to an industry-leading investment platform, comprehensive lending resources and a wide spectrum of subject matter experts.

Courtenay holds a Government Entity Specialist designation which allows him to service the needs of Government Entity clients. The US Government Entity business is a client segment that provides investment advisory and brokerage services to Government Entities in a complex regulatory environment.

Prior to joining Morgan Stanley, Courtenay worked for Wells Fargo Advisors and UBS Financial Services. He graduated from Drury University with a Bachelor of Arts degree in Business Administration. Courtenay furthered his financial education by obtaining a Certified Financial Planner (CFP®) designation, which is awarded to those who meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests at all times.

Born and raised in Springfield, Missouri, Courtenay now lives in New Jersey with his wife, Karina, and their two children, Jacob and Luciana. He’s passionate about soccer having played the sport at a Division 1 level at college, and now serves as a volunteer soccer coach for the past six years. Courtenay also enjoys trail running and golf.
Securities Agent: ID, AL, WY, WV, PA, OR, NY, MA, KS, DC, CO, WA, RI, NC, MT, DE, CT, CA, VT, TN, NJ, FL, NV, LA, WI, SC, OK, NM, NE, MO, MN, IA, UT, AK, SD, VI, VA, OH, ND, MI, ME, KY, IN, IL, GA, AZ, MD, TX, NH, MS, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 2524434
CA Insurance License #: OL98952

About Rich Masley

After earning his Bachelor of Science in Finance from The University of Connecticut, Rich Masley began his career at Bank of America as an Internal Auditor. In this role, Rich analyzed and improved business processes in Merrill Lynch’s Global Wealth & Investment Management division. Within a very short time, Rich had cultivated strong relationships with his business partners and was promoted to Assistant Vice President. After his promotion, Rich continued to enhance risk-mitigating processes, a valuable skill that he continues to leverage in his current role.

In 2020, Rich joined Morgan Stanley as a Financial Advisor. He earned the Certified Financial Planner (CFP®) designation in 2022, which is awarded to those who meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests at all times.

Rich is thorough in his approach to financial planning with his clients. He dedicates valuable time to understand his clients’ current financial picture, life goals and risk tolerance. Each financial plan is tailored to the client and reflects their values. It is their financial road map, a realistic pathway to help each client achieve their goals. Rich is passionate about helping his clients recognize that, with his assistance, their financial goals are attainable and within reach.

Growing up, Rich always participated in sports and during college actively officiated high school basketball across Northeast Connecticut. His strong ethics and team mentality extend beyond the field and court to his work as a Financial Advisor.

In his spare time, Rich continues to be involved with many recreational sports, including baseball, basketball and golf.
Securities Agent: UT, AK, MN, VI, OH, NJ, CO, WI, WA, SC, NV, MD, CT, AL, TN, NH, MS, AR, OR, MT, LA, IL, ND, KY, IA, FL, WY, SD, OK, ME, WV, VT, RI, PA, NM, NE, MO, MA, ID, DC, AZ, VA, KS, GA, DE, CA, TX, NY, NC, MI, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2109160

About Annie Campbell

Antoinette (Annie) Campbell is an Assistant Vice President and Wealth Management Associate with our team. Her principal focus is rendering ongoing premium client service and relationship support to our valued client base. It’s a role she enjoys and performs with the utmost pride and diligence.
Additionally, Annie serves as a valued team member, committed to providing solutions and coordinating key retirement planning reviews for new and existing clients.

With over 20 years in the industry, Annie supports clients with a wealth of knowledge and resources to help keep their financial lives organized and as seamless as possible. She holds her FINRA Series 7, 63, 65 registrations and Life, Health, and Annuity insurance licenses.

A former New Yorker, she now resides in New Jersey with her husband and their two sons. She’s an avid tennis fan, and enjoys playing tennis and taking family vacations.
CA Insurance License #: OH56253

About Richard Ludwicki

Richard Ludwicki is a Senior Registered Client Service Associate. He started his career on Wall Street in 2001, and has attained his Series 7, Series 63, Series 65 and Series 24 licenses.

Being a financial services professional for more than two decades has afforded him extensive experience in management with a focus on operations, as well as a deep knowledge about trading and providing exceptional client service.

About Alida M. Cabrera

Alida Cabrera began her career in financial services in 2008 at Wells Fargo and has been with Morgan Stanley since 2010. Alida leads The Laviano Group at Morgan Stanley’s administrative efforts with over 15 years of experience in financial services. She ensures clients of The Laviano Group at Morgan Stanley receive the highest level of customer service. Alida provides a vast knowledge of Morgan Stanley’s resources including Morgan Stanley Online and Morgan Stanley Mobile App. She is fluent in Spanish and is presently working towards her Series 7 and 66 licensing. Alida is passionate about welcoming new clients to The Laviano Group and ensuring they feel assured throughout the onboarding process.

Currently, Alida lives in Garnerville, New York with her husband, Tom, and daughters, Julianna and Gabriella where they enjoy spending time playing soccer as a family.

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

About Don Janevski

Don Janevski is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.

Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.

Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.

Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
NMLS#: 197095

About Mary Beth Powers

Mary Beth Powers is Executive Director and Trust Specialist for Morgan Stanley covering the New York Metro region, responsible for presenting Morgan Stanley’s third-party trustee partner platform to Morgan Stanley Wealth Management Financial Advisors, clients and prospects. Leveraging the capabilities of our trust company partners, Mary Beth assists to identify appropriate fiduciary solutions, which are essential to the management, preservation and transfer of accumulated wealth. This process includes coordination with the client’s financial, legal and tax advisors to ensure proper trust planning implementation.

Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.

Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact The Laviano Hathcock 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.

1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

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2Alternative 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.

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3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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5Morgan 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

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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 consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

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9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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12Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

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13When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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14Morgan 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.

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15Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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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)