David Leifer
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Lending Specialist
Phone:
(941) 993-5172(941) 993-5172
The Leifer Group at Morgan Stanley
Direct:
(732) 936-3359(732) 936-3359
Toll-Free:
(800) 726-6971(800) 726-6971
Our Mission Statement
Some people just want to make you money, our mission is to make sense
Our Story and Services
Your family deserves to work with a team of knowledgeable and experienced wealth management professionals who can help you to establish realistic financial goals and then tailor an investment process and portfolio designed to help you achieve your objectives. A team who takes pride in understanding of your family’s goals
We aim to provide you with some of the finest investment thinking, services and products by creating and implement a tax efficient action plan that is specific to your needs for wealth preservation, wealth creation, wealth transfer, and/or help with spending/funding needs.
The diversity of our skills and experience combined with our access to the global reach and power of Morgan Stanley’s resources allows us to focus on your big picture strategy while also attending with concierge-level care to the smaller, more intricate details of you and your family’s day-to-day financial life. We look forward to working with you, your family, your business and your friends for many years to come.
With decades of experience behind us, we understand not only the challenges of wealth, but how to address the specific concerns of families who have accumulated or inherited significant wealth.
We aim to provide you with some of the finest investment thinking, services and products by creating and implement a tax efficient action plan that is specific to your needs for wealth preservation, wealth creation, wealth transfer, and/or help with spending/funding needs.
The diversity of our skills and experience combined with our access to the global reach and power of Morgan Stanley’s resources allows us to focus on your big picture strategy while also attending with concierge-level care to the smaller, more intricate details of you and your family’s day-to-day financial life. We look forward to working with you, your family, your business and your friends for many years to come.
With decades of experience behind us, we understand not only the challenges of wealth, but how to address the specific concerns of families who have accumulated or inherited significant wealth.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
With decades of experience behind us, we understand not only the challenges of wealth, but how to address the specific concerns of families who have accumulated or inherited significant wealth.
We pride ourselves on making sure we have the depth and breadth of expertise to help your family successfully maintain wealth across multiple generations. As your family grows and evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. Whether you’re planning for just your immediate family’s needs or several generations down the line, we offer legacy planning with sophisticated insight to help you with multi-generational and extended family circumstances.
We pride ourselves on making sure we have the depth and breadth of expertise to help your family successfully maintain wealth across multiple generations. As your family grows and evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. Whether you’re planning for just your immediate family’s needs or several generations down the line, we offer legacy planning with sophisticated insight to help you with multi-generational and extended family circumstances.
Some of the areas where we apply our knowledge and experience on your behalf:
- Investment Management. You can rely on us to design holistic and strategic financial plans that match your family’s goals.
- Managing Your Taxes & Liquidity needs. We’ll keep an eye on your cash flow needs as well as new investment opportunities to potentially help you reduce your taxable income as your goals and finances evolve.
- Trust, Estate & Legacy Planning. We’ll help you implement the plan created by your legal and tax advisors.
- Retirement Planning. We will help you develop and implement a strategy that encompasses your needs before, during and after you retire and is based on your personal vision of retirement.
- Education Planning & Family Concerns. We’ll make a plan for the education and well-being of your children or grandchildren, as well as your parents or other relatives who might need assistance now or in the future.
- Philanthropic Services. One of the most important services we offer is to assist you in translating your family legacies and personal values into results-oriented, strategic giving programs.
- Executive Compensation Analysis
- Insurance Review/Planning
Our relationship begins with an in-depth process of discovering your current financial situation as well as your goals and dreams for the future. We’ve created our own Discovery Guide to lead us through our first few conversations together, touching on topics such as:
Your purpose and goals
The relationships, affiliations and causes you care about
Your financial history and your current financial situation
Your attitudes and preferences about investing
Steps you’ve taken to protect yourself and your family against major losses
Tax strategies that you’ve put in place
Your priorities for estate and legacy planning
We listen deeply to you. Are you worried about the future or is there an immediate concern that needs to be resolved? It’s our job to lift the financial burden from your shoulders so you can focus on the things that are most important to you.
We will also consider factors that might influence your overall investment strategy, such as your tolerance for risk, tax concerns, liquidity needs and time horizon. At the end of the initial discovery phase, we’ll recommend an ideal asset allocation model for you to consider.
But the discovery process really never stops. Life has a funny way of throwing a curve in the road when you’re least expecting it. We’ll be there to help when you are changing locations or jobs, entering or exiting a relationship, making choices about your children or grandchildren’s education, grieving the loss of a loved one, or helping a family member through a rough time. Whatever the situation, we’ll be there to help you discover a solution.
Your purpose and goals
The relationships, affiliations and causes you care about
Your financial history and your current financial situation
Your attitudes and preferences about investing
Steps you’ve taken to protect yourself and your family against major losses
Tax strategies that you’ve put in place
Your priorities for estate and legacy planning
We listen deeply to you. Are you worried about the future or is there an immediate concern that needs to be resolved? It’s our job to lift the financial burden from your shoulders so you can focus on the things that are most important to you.
We will also consider factors that might influence your overall investment strategy, such as your tolerance for risk, tax concerns, liquidity needs and time horizon. At the end of the initial discovery phase, we’ll recommend an ideal asset allocation model for you to consider.
But the discovery process really never stops. Life has a funny way of throwing a curve in the road when you’re least expecting it. We’ll be there to help when you are changing locations or jobs, entering or exiting a relationship, making choices about your children or grandchildren’s education, grieving the loss of a loved one, or helping a family member through a rough time. Whatever the situation, we’ll be there to help you discover a solution.
Whether your goal is wealth creation, wealth preservation, wealth transfer, or help with spending/funding needs, we draw on our considerable knowledge and experience, as well as the resources available through Morgan Stanley, to achieve your objectives.
We are product agnostic, which means that the choices of investment vehicles we recommend are driven by your goals and by the potential for risk adjusted return. We prefer to select the best in breed in making investment recommendations and therefore we do not highlight or focus on any given source, either internal or external. We are however constrained in selections of outside managers in that they have to pass Morgan Stanley rigorous standards of research before they can be recommended. The same applies in the alternative investment area. We recommend individual stock and bond portfolios, index investments, mutual funds and alternative investments and private equity investments where appropriate.
We often find that individual Separately Managed Accounts (SMAs) can be more cost effective and tax efficient that can mutual funds. The investment dollars we recommend to be allocated to a particular sector depends on the complexity and tax status of your account.
An important part of the process is coordination of our financial planning and portfolio implementation with the other professionals with whom you work such as CPAs and estate planning attorneys.
We are product agnostic, which means that the choices of investment vehicles we recommend are driven by your goals and by the potential for risk adjusted return. We prefer to select the best in breed in making investment recommendations and therefore we do not highlight or focus on any given source, either internal or external. We are however constrained in selections of outside managers in that they have to pass Morgan Stanley rigorous standards of research before they can be recommended. The same applies in the alternative investment area. We recommend individual stock and bond portfolios, index investments, mutual funds and alternative investments and private equity investments where appropriate.
We often find that individual Separately Managed Accounts (SMAs) can be more cost effective and tax efficient that can mutual funds. The investment dollars we recommend to be allocated to a particular sector depends on the complexity and tax status of your account.
An important part of the process is coordination of our financial planning and portfolio implementation with the other professionals with whom you work such as CPAs and estate planning attorneys.
Location
20 Linden Place
Red Bank, NJ 07701
US
Direct:
(732) 936-3359(732) 936-3359
Toll-Free:
(800) 726-6971(800) 726-6971
Fax:
(732) 709-1699(732) 709-1699
2 North Tamiami Trail
Suite 1100
Sarasota, FL 34236
US
Meet The Leifer Group
Eric Leifer, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Family Wealth Advisor, Global Sports and Entertainment Director, Lending Specialist
Phone:
(732) 936-3359(732) 936-3359
William McDavitt
Financial Advisor
Phone:
(732) 936-3396(732) 936-3396
Daniel R Knipe
Wealth Management Associate, Vice President
Phone:
(732) 936-4024(732) 936-4024
About David Leifer
As a Senior Vice President and Financial Advisor, I serve the financial needs of affluent individuals and their families. For more than three decades, I have proactively engaged my clients in conversations about all aspects of their life that may impact their finances and then tailored investment solutions to meet those needs.
After graduating from Brooklyn College, I deferred my law school admission in Boston and joined the Peace Corp, serving in a rural site in India. I traveled extensively in Europe before returning to the States to raise a family while working during the day and attending NYU Stern School of Business at night. I had the pleasure of taking a course with a renowned NYU professor and creator of the Z score model for bankruptcy prediction. While I began my studies with a goal of an MBA in management, I became enthralled with finance and quickly changed direction to focus on finance.
I started to apply sound financial principles in my role as sales and project manager at a privately owned firm and though successful, felt that the world of finance offered greater opportunities for me and my young family. I left the firm after a 15-year career to begin a new career as a Financial Advisor at EF Hutton. I am proud that among my first clients was the pension plan of the firm where I had worked for the prior 15 years. Suppliers and customers from my old employer, their children and grandchildren are still clients today.
I am proud to work at Morgan Stanley with my son and business partner, Eric Leifer. Together, we have built an accomplished team of Advisors and staff who serve our clientele with dedication and focus. Our business has grown one relationship at a time, built on our commitment to personal service and putting our clients first.
As a Senior Vice President and Financial Advisor, David Leifer serves the financial needs of affluent individuals and their families. For more than three decades, he has proactively engaged his clients in conversations about all aspects of their life that may impact their finances and then tailored investment solutions to meet those needs.
After graduating from Brooklyn College, David deferred his law school admission in Boston and joined the Peace Corp, serving in a rural site in India. He traveled extensively in Europe before returning to the States to raise a family while working during the day and attending NYU Stern School of Business at night. David had the pleasure of taking a course with a renowned NYU professor and creator of the Z score model for bankruptcy prediction. While he began his studies with a goal of an MBA in management, David became enthralled with finance and quickly changed direction to focus on finance.
David started to apply sound financial principles in his role as sales and project manager at a privately owned firm and though successful, felt that the world of finance offered greater opportunities for him and his young family. He left the firm after a 15-year career to begin a new career as a Financial Advisor at EF Hutton. David is proud that among his first clients was the pension plan of the firm where he had worked for the prior 15 years. Suppliers and customers from his old employer, their children and grandchildren are still clients today.
David is proud to work at Morgan Stanley with his son and business partner, Eric Leifer. Together, they have built an accomplished team of Advisors and staff who serve their clientele with dedication and focus. Their business has grown one relationship at a time, built on their commitment to personal service and putting clients first.
After graduating from Brooklyn College, I deferred my law school admission in Boston and joined the Peace Corp, serving in a rural site in India. I traveled extensively in Europe before returning to the States to raise a family while working during the day and attending NYU Stern School of Business at night. I had the pleasure of taking a course with a renowned NYU professor and creator of the Z score model for bankruptcy prediction. While I began my studies with a goal of an MBA in management, I became enthralled with finance and quickly changed direction to focus on finance.
I started to apply sound financial principles in my role as sales and project manager at a privately owned firm and though successful, felt that the world of finance offered greater opportunities for me and my young family. I left the firm after a 15-year career to begin a new career as a Financial Advisor at EF Hutton. I am proud that among my first clients was the pension plan of the firm where I had worked for the prior 15 years. Suppliers and customers from my old employer, their children and grandchildren are still clients today.
I am proud to work at Morgan Stanley with my son and business partner, Eric Leifer. Together, we have built an accomplished team of Advisors and staff who serve our clientele with dedication and focus. Our business has grown one relationship at a time, built on our commitment to personal service and putting our clients first.
As a Senior Vice President and Financial Advisor, David Leifer serves the financial needs of affluent individuals and their families. For more than three decades, he has proactively engaged his clients in conversations about all aspects of their life that may impact their finances and then tailored investment solutions to meet those needs.
After graduating from Brooklyn College, David deferred his law school admission in Boston and joined the Peace Corp, serving in a rural site in India. He traveled extensively in Europe before returning to the States to raise a family while working during the day and attending NYU Stern School of Business at night. David had the pleasure of taking a course with a renowned NYU professor and creator of the Z score model for bankruptcy prediction. While he began his studies with a goal of an MBA in management, David became enthralled with finance and quickly changed direction to focus on finance.
David started to apply sound financial principles in his role as sales and project manager at a privately owned firm and though successful, felt that the world of finance offered greater opportunities for him and his young family. He left the firm after a 15-year career to begin a new career as a Financial Advisor at EF Hutton. David is proud that among his first clients was the pension plan of the firm where he had worked for the prior 15 years. Suppliers and customers from his old employer, their children and grandchildren are still clients today.
David is proud to work at Morgan Stanley with his son and business partner, Eric Leifer. Together, they have built an accomplished team of Advisors and staff who serve their clientele with dedication and focus. Their business has grown one relationship at a time, built on their commitment to personal service and putting clients first.
Securities Agent: CT, IL, TX, WA, FL, NV, MD, VA, TN, SC, UT, NJ, NY, MI, PR, MO, MA, DE, NC, PA, RI, AZ, CA, DC, OH, GA, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255418
NMLS#: 1255418
About Eric Leifer
Eric Jonathan Leifer, CFP®
Senior Vice President
Family Wealth Advisor
Financial Advisor
As a Senior Vice President and CERTIFIED FINANCIAL PLANNER (CFP®), I understand how to effectively put financial planning principles into practice on behalf of my affluent clients and the wide variety of situations they encounter. I pride myself on creating custom financial plans that are designed to sustain the unique needs of my clients, their families and businesses through good and bad times.
As a CFP®, I apply my advanced education and knowledge in the areas of taxation, estate planning and retirement planning to uncover and clarify my clients’ goals and to help create your financial. I provide comprehensive wealth counseling in the areas of wealth preservation and transfer strategies, risk management, retirement planning, executive benefits and more.
I grew up in Monmouth County, New Jersey and graduated from the Rutgers Business School at Rutgers University in 1997. I entered the financial services business directly after graduation to become a Financial Advisor at Smith Barney and then Morgan Stanley alongside my father. For the past two decades, I have built long-term relationships with clients, helping them solve their unique problems and addressing the wide range of financial issues that confront high net worth individuals and their families.
Outside of work, my wife Karen and I stay very busy with our two children and their many activities. When time permits, we enjoy traveling and spending time with friends and family.
Senior Vice President
Family Wealth Advisor
Financial Advisor
As a Senior Vice President and CERTIFIED FINANCIAL PLANNER (CFP®), I understand how to effectively put financial planning principles into practice on behalf of my affluent clients and the wide variety of situations they encounter. I pride myself on creating custom financial plans that are designed to sustain the unique needs of my clients, their families and businesses through good and bad times.
As a CFP®, I apply my advanced education and knowledge in the areas of taxation, estate planning and retirement planning to uncover and clarify my clients’ goals and to help create your financial. I provide comprehensive wealth counseling in the areas of wealth preservation and transfer strategies, risk management, retirement planning, executive benefits and more.
I grew up in Monmouth County, New Jersey and graduated from the Rutgers Business School at Rutgers University in 1997. I entered the financial services business directly after graduation to become a Financial Advisor at Smith Barney and then Morgan Stanley alongside my father. For the past two decades, I have built long-term relationships with clients, helping them solve their unique problems and addressing the wide range of financial issues that confront high net worth individuals and their families.
Outside of work, my wife Karen and I stay very busy with our two children and their many activities. When time permits, we enjoy traveling and spending time with friends and family.
Securities Agent: RI, SC, MO, TN, NV, UT, PA, NY, FL, AZ, WA, MA, DE, CO, CA, AK, TX, MI, MD, IL, VA, PR, NJ, DC, CT, GA, OR, OH, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1255314
NMLS#: 1255314
About William McDavitt
Securities Agent: AZ, TN, PR, DE, VA, MD, DC, AL, VI, SC, NM, NC, MO, UT, NJ, TX, ND, MS, IL, HI, CT, WI, WA, NV, MN, LA, GA, CO, AK, OR, OK, NH, KY, FL, WV, SD, NE, MT, KS, IN, CA, AR, RI, IA, WY, PA, OH, NY, ME, MA, ID, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 262742
NMLS#: 262742
About Daniel R Knipe
My role in the Leifer Group is to manage the operational aspects of the practice. I work with other team members on overall business development, client review preparation, ongoing account maintenance, portfolio loan processing, marketing strategies and implementing investment ideas.
I am also one of the first points of contact for the group's clients. My broad scope allows me to quickly and efficiently assist clients with their needs or direct them to the right person.
I am native of Princeton, New Jersey and hold a Bachelor of Science degree from Northern Arizona University. After graduation, I joined the financial services industry, amassing more than a decade of experience working with Barclays and its predecessor firms. I joined the Leifer Group at Morgan Stanley in 2015. I currently live in Little Silver, New Jersey with my wife and our twin daughters.
Email: daniel.knipe@morganstanley.com
Phone: 732-936-4024
I am also one of the first points of contact for the group's clients. My broad scope allows me to quickly and efficiently assist clients with their needs or direct them to the right person.
I am native of Princeton, New Jersey and hold a Bachelor of Science degree from Northern Arizona University. After graduation, I joined the financial services industry, amassing more than a decade of experience working with Barclays and its predecessor firms. I joined the Leifer Group at Morgan Stanley in 2015. I currently live in Little Silver, New Jersey with my wife and our twin daughters.
Email: daniel.knipe@morganstanley.com
Phone: 732-936-4024
Contact David Leifer
Contact Eric Leifer
Contact William McDavitt
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
Anthony Viskovic
Private Banker
About Anthony Viskovic
Anthony Viskovic 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.
Anthony began his career in financial services in 2004, and joined Morgan Stanley in 2010 as a Regional Lending Advisor. Prior to joining the firm, he was an Internal Banking Consultant at UBS Financial Services.
Anthony is a graduate of Rutgers University, where he received a Bachelor of Arts Degree in Economics. He lives in Ocean, New Jersey with his family. Outside of the office, Anthony enjoys being active, cooking, traveling and spending time with his family.
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.
Anthony began his career in financial services in 2004, and joined Morgan Stanley in 2010 as a Regional Lending Advisor. Prior to joining the firm, he was an Internal Banking Consultant at UBS Financial Services.
Anthony is a graduate of Rutgers University, where he received a Bachelor of Arts Degree in Economics. He lives in Ocean, New Jersey with his family. Outside of the office, Anthony enjoys being active, cooking, traveling and spending time with his family.
NMLS#: 1427370
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The Leifer 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
