Phone:
(570) 963-2349(570) 963-2349
The Legacy Group at Morgan Stanley
Direct:
(570) 961-7700(570) 961-7700
Toll-Free:
(800) 733-7096(800) 733-7096
Our Mission Statement
Our team strives to establish a wealth planning strategy that puts our clients first. By taking the time to understand your situation, our team tailors your strategy to help you achieve life’s aspirations, and establish your legacy.
Our Story
We believe that working as a team helps to provide you with access to the most appropriate solutions, and ensures that you benefit from the highest levels of service. While our group brings complementary skills and perspectives to our clients, we also share a commitment to responding to your needs promptly, professionally and thoroughly. Our goal is to earn your confidence not only through the quality of solutions we provide you, but also the excellence with which we deliver them.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Who & What We Work With
Our team is committed to financial literacy and serving the financial needs of a diverse group of clients. While we acknowledge that each client has specific financial goals and circumstances, all clients have one thing in common: they have accumulated significant assets and need help developing a comprehensive and cohesive wealth strategy. Our role is to help clients effectively manage and preserve their assets so that they may take care of their loved ones, spend more time pursuing activities that they enjoy, and support the causes most important to them.
Ultra-High-Net / High-Net-Worth
With exceptional wealth comes exceptional complexity. Morgan Stanley combines the vast resources of a trusted global financial services firm with the individualized services of an investment practice for a hands-on tailored approach to help families, foundations and individuals manage the multiple facets —and legacy—of their wealth.
Multi-Generational Families
We deliver the experience, knowledge and resources needed to help you create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
Portfolio Risk Management
One of the fundamental lessons of investing is the importance of balancing portfolio risk—the possibility that the investments you own won’t perform as you expect—with the potential for returns. Here at Morgan Stanley, we can help you get a better idea of the risks you may face, as well as how to help manage them.
Small Business Owners and Entrepreneurs
As a business owner, you have devoted your career to building your enterprise. Now it is time to plan for what comes next: enjoying the substantial rewards, spending more time with your family and pursuing new challenges. It is a transition that is among the most complex in the business world— and life.
Tax Management Planning
A strategy to help you keep more of your returns with a tax-managed investment portfolio.
Robust Investment / College & Education Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures goals, resources and expectations for the future. Morgan Stanley also offers a variety of 529 plan options to help you save for college and other education expenses as well.
Modern Wealth Tools
Morgan Stanley Online
MSO digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research.
Learn More
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More
eDelivery
eDelivery provides clients with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Learn More
Digital Vault
The Digital Vault is a document delivery, storage and
collaboration space for Morgan Stanley clients and
Financial Advisor teams.
Learn Morecollaboration space for Morgan Stanley clients and
Financial Advisor teams.
Aladdin
The Portfolio Risk Platform (PRP) is a state of the art wealth management platform providing real time analytics that enable financial advisors to identify and better understand risks in their clients’ portfolios.
Learn More
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with you to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Client Profile DocumentFamily Wealth Resources
Morgan Stanley has a host of Family Office and Family Wealth Resources available to our clients. These resources help create comprehensive multi-generational strategies so clients can properly plan for the future.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Estate Planning Strategies
A fully integrated, holistic analysis of your balance sheet, estate plan, and investment strategy through a collaborative process, including your Morgan Stanley Wealth and Estate Planning Strategist and, at your request, your legal and tax advisors.
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. 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.
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. 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.
Cash Management and Lending Solutions
Comprehensive cash management and lending solutions available to compliment your investment strategy.
Morgan 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
Cash Management and Lending BrochureMorgan 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
Family Governance and Wealth Education
Dedicated professionals who can help you address sensitive family issues, facilitate communication, manage conflict and achieve a shared sense of common direction in coordination with clients' outside advisors.
Family Governance and Wealth Brochure
Philanthropy Management
Provide comprehensive advisory strategies that can help our clients achieve their philanthropic goals.
Philanthropy - Wealth Plan Integration
Lifestyle Advisory Services
Provide bespoke strategies and access to knowledgeable, highly personal third-party providers to help meet your exceptional needs from the everyday to the extraordinary.
Lifestyle Advisory Services: Products 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 Signature AccessLifestyle Advisory Services: Products 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.
Estate and Gift Taxes
Our team is here to help you navigate estate and gift taxes. Click on the link below to learn more about the federal and estate gift tax, exemptions, federal annual gift, and more.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
WHAT'S HAPPENING WITH MY TEAM AND THE FIRM
We are fortunate to have a culture built on open discourse of thought-provoking ideas and information. While our clients expect us to share our thoughts on the latest finance and market updates, we believe that the holistic wealth management experience includes discussing lifestyle and current events as well. To this point, the Monthly Newsletter is our space to share the latest news on what is being discussed in our office.
Investing at the Intersection of AI and the Energy Transition
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Learn MoreLocation
111 North Washington Ave
Ste 201
Scranton, PA 18503
US
Direct:
(570) 961-7700(570) 961-7700
Toll-Free:
(800) 733-7096(800) 733-7096
Meet The Legacy Group
Mark Occhipinti
Vice President, Financial Advisor
Phone:
(570) 961-7712(570) 961-7712
James Schuster
Financial Advisor
Phone:
(570) 963-2345(570) 963-2345
Cory Melisky, CFP®
Financial Advisor
Phone:
(570) 961-7702(570) 961-7702
Joan Magnotta
Senior Client Service Associate
Phone:
(570) 961-7727(570) 961-7727
Alec J. Rodway
Registered Client Associate
Phone:
(570) 963-2356(570) 963-2356
About Ralph Colo
Ralph Colo, Senior Vice President, Financial Advisor is a member of the Legacy Group at Morgan Stanley and has over 20 years of experience at Morgan Stanley. Ralph oversees the management of over $550 million in client assets as of September 30, 2017. He has received the designation of Senior Investment Management Consultant and is part of a select few advisors with the title of U.S. Government Entity Specialist. Ralph concentrates on portfolio management, consultative services, asset allocation and risk management strategies for a diversified group of clients and customers, including retail, corporate, governments (including Pennsylvania municipal pension plans), pensions, profit sharing, foundations, endowments, 401(k) plans, high-net worth clientele and Taft-Hartley funds. Ralph has received numerous recognition awards from Morgan Stanley including being named to the prestigious Director’s Club. Additionally, he was recognized as one of Morgan Stanley top branch managers and was named to the Managers Leadership Council. He is a graduate of the University of Scranton with a B.S. degree in Economics and Finance. Ralph has been active in his local community in organizations such as the United Way, YMCA and Scranton Running Club. Ralph and his wife, Leeann, have four children, Quentin, Gabriella, Carena & Nolan.
Securities Agent: AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KY, LA, MA, MD, ME, MI, NC, NJ, NV, NY, OH, OR, PA, RI, SC, TX, VA, VT, WA, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1393552
NMLS#: 1393552
About Mark Occhipinti
Mark Occhipinti, Vice President, Financial Advisor, is a member of The Legacy Group at Morgan Stanley and has been actively involved in the securities industry for over 19 years. Prior to joining Morgan Stanley in 2001 he was a Financial Advisor at Merrill Lynch. His investment experience includes financial planning, asset allocation modeling and consulting services for personal, foundations, Municipalities and Businesses alike. Mark currently holds series 7, 63, 65, as well as his Insurance licenses. Mr. Occhipinti is a Dunmore native, and was educated in the Dunmore Public School system. After graduation he joined The United States Army where he graduated from The Academy of Health and Science at Fort Sam Houston TX. He is a decorated war veteran who served in the United States Army during the Persian Gulf War. He is an active member of St. Anthony’s Church in Dunmore, and both The Scranton Jewish Community Center and YMCA. He is married to his wife Eileen and they have 3 children Anna, Susan and Thomas.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Asset Allocation does not guarantee a profit or protect against a loss in a declining financial market.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Asset Allocation does not guarantee a profit or protect against a loss in a declining financial market.
Securities Agent: OR, FL, DC, WY, PA, ME, MA, CA, RI, OH, NC, NY, NV, KY, AZ, AR, WA, CT, CO, TX, NJ, IL, GA, MI, VT, SC, MD, DE, VA, OK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1253115
NMLS#: 1253115
About James Schuster
Jim Schuster, Associate Vice President, Financial Advisor, is a member of The Legacy Group at Morgan Stanley and has been actively involved in the securities industry for over 25 years. Prior to joining Morgan Stanley in 2015 he was a Financial Consultant at Well Fargo. His investment experience includes financial planning, asset allocation modeling and consulting services for personal, foundations, Municipalities and Businesses alike. Jim currently holds series 7, 63, 65, as well as his Insurance licenses. Mr. Schuster is a Dunmore native, and was educated in the Dunmore Public School system. Jim attended the University of Scranton, where he graduated Magna Cum Laude. He is an active member of St. Anthony’s Church in Dunmore, coaches several youth sports teams and is a Board Member of the Dunmore Little League. Jim is an avid sports fan and die-hard Alabama Crimson Tide fan. He is married to Amy and they have 2 children Michael and Justin.
Securities Agent: NY, MI, DE, CO, SC, NJ, ME, MA, CT, AR, TX, RI, IL, PA, OR, CA, WA, VA, NV, AZ, FL, VT, MD, GA, WY, OH, NC, ID, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1432521
NMLS#: 1432521
About Cory Melisky
Securities Agent: AR, OR, NV, KY, VA, ME, IL, GA, CA, MI, WY, VT, PA, OH, NY, LA, WA, MD, MA, OK, NC, FL, CT, CO, AZ, TX, SC, RI, NJ, DE, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1440171
NMLS#: 1440171
Contact Ralph Colo
Contact Mark Occhipinti
Contact James Schuster
Contact Cory Melisky
Wealth Management
From Our Team
A Simple Six-Step Retirement Checkup
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
Are You Prepared for Tax Day?
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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
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Legacy 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.
2Morgan 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.
3When 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
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.
2Morgan 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.
3When 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
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)
