Catherine Bowen Daniel, CFP®, CIMA®
Senior Vice President, Financial Advisor
Phone:
(517) 338-3201(517) 338-3201
The Livingston Key Group at Morgan Stanley
Direct:
(517) 552-4641(517) 552-4641
Toll-Free:
(866) 539-6655(866) 539-6655
Our Mission Statement
We collaborate with families to build wealth to help meet future needs, address current goals, and build a legacy
CUTTING-EDGE GUIDANCE WITH CARING SERVICE
For more than 60 years the Livingston Key Group at Morgan Stanley, has been dedicated to forming and sustaining relationships with our clients that are both collaborative and successful.
We do this by following a recipe of cutting-edge financial planning and wealth management coupled with classic personalized and caring service. This simultaneously forward-looking and traditional formula has enabled our group’s clients and their families to thrive through every sort of market, while receiving focused attention. We believe this is the perfect method for our clients’ potential future success as well: boutique like-style service combined with the global resources of Morgan Stanley.
Comprehensive, holistic and bespoke financial planning is at the core of our package of services. Portfolio management is vital, and we’re proud of our track record, but so is asset and cash management, retirement and education planning, insurance coverage analysis, and estate and philanthropic organization.
We tailor our approach not just to your unique goals and needs, but also to how you prefer to work with your advisor. Clients are welcome to walk in to our offices to take care of an immediate need, schedule an in-person meeting, work with us remotely using our state of the art online and communications systems, or to use whatever combination of in-person and remote meetings are most convenient.
Whether you’re a retired executive reviewing their portfolio at a meeting in our office, or an active professional or business owner who’s reviewing college financing options for their child with us via Zoom, our primary goal is the same: to help you meet your objectives by providing guidance that enables your wealth to do more for you.
We do this by following a recipe of cutting-edge financial planning and wealth management coupled with classic personalized and caring service. This simultaneously forward-looking and traditional formula has enabled our group’s clients and their families to thrive through every sort of market, while receiving focused attention. We believe this is the perfect method for our clients’ potential future success as well: boutique like-style service combined with the global resources of Morgan Stanley.
Comprehensive, holistic and bespoke financial planning is at the core of our package of services. Portfolio management is vital, and we’re proud of our track record, but so is asset and cash management, retirement and education planning, insurance coverage analysis, and estate and philanthropic organization.
We tailor our approach not just to your unique goals and needs, but also to how you prefer to work with your advisor. Clients are welcome to walk in to our offices to take care of an immediate need, schedule an in-person meeting, work with us remotely using our state of the art online and communications systems, or to use whatever combination of in-person and remote meetings are most convenient.
Whether you’re a retired executive reviewing their portfolio at a meeting in our office, or an active professional or business owner who’s reviewing college financing options for their child with us via Zoom, our primary goal is the same: to help you meet your objectives by providing guidance that enables your wealth to do more for you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
ALL-INCLUSIVE, COMPLETE APPROACH TO YOUR FINANCIAL LIFE
There’s more to our relationship with you than helping manage your investments. We take pride in our all-inclusive, complete approach to our clients’ financial lives.
When we first meet we discuss not just your current assets, but your business and career status, and your present and future lifestyle hopes. We’ll talk about your dreams for your own future as well as for your entire family’s future.
After our detailed conversations we will work with you to create a comprehensive plan that includes your spending and savings, your real estate holdings, your insurance needs, and your borrowing, as well as your investments.
We will help integrate your needs to fund your own retirement and the education funding of your children. If you’re already retired and your children are grown we can help you achieve your goals of maintaining your lifestyle and leaving a legacy for following generations.
When we first meet we discuss not just your current assets, but your business and career status, and your present and future lifestyle hopes. We’ll talk about your dreams for your own future as well as for your entire family’s future.
After our detailed conversations we will work with you to create a comprehensive plan that includes your spending and savings, your real estate holdings, your insurance needs, and your borrowing, as well as your investments.
We will help integrate your needs to fund your own retirement and the education funding of your children. If you’re already retired and your children are grown we can help you achieve your goals of maintaining your lifestyle and leaving a legacy for following generations.
Goals Planning System (GPS)
The Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the firm’s intellectual capital and capabilities, GPS is an intuitive and effective platform that we can use to quickly assess whether you’re “On Track” to achieving your financial goals.
LifeView® Intelligent Planning
Leveraging Morgan Stanley’s LifeView® Goal Analysis tool, we can work with you to create a personalized wealth strategy. Over time we’ll adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you.
Spending and Budgeting tool
One way we can help you manage savings is by using Morgan Stanley’s Spending and Budgeting tool. This tool helps us monitor your cash flow across both internal and external accounts. It also allows us to track spending patterns and produce an income and expense analysis that can help you achieve your goal by adjusting your spending behavior if necessary.
Aladdin—Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end-to-end risk management processes we can provide to make your finances more secure.
FREEING YOU TO FOCUS ON YOUR WORK AND FAMILY
In these turbulent times, managing an investment portfolio requires not just knowledge and vision but also a great deal of time and attention. Our professional portfolio management can help free you to spend your time focusing on your work and your family. Through in-depth discussions and analysis with you, and drawing on the global resources of Morgan Stanley, we can identify an investment strategy that’s tailored to your requirements for growth, income, or wealth preservation, and your tolerance for risk. As part of our dedication to personalized, attentive service you will have constant direct access to us to discuss your portfolio. And our regularly scheduled meetings will provide opportunities to factor in any and all changes in your plans or life transitions.
Determine financial objectives
As your portfolio manager we collaborate with you to create realistic objectives based on your goals, time horizon, liquidity needs, and tolerance for risk.
Outline investment strategy
Once we have together established objectives we will design a portfolio to help generate potential returns that are consistent with your desired level of risk and volatility.
Appraise and choose investments
Using the global resources of Morgan Stanley we will help you select investments that can help meet your objectives and strategy.
Conduct ongoing reviews
We will actively track how well your portfolio is meeting your objectives and modify it as the market changes and your family’s needs evolve.
DEVELOPING, APPLYING AND TRACKING A CUSTOM PLAN
Every client’s family dynamics, goals, and risk tolerance are unique. And every life is filled with planned and unplanned changes and transitions, from the inspiring—parenthood—to the distressing—illness. That is why we developed a process that can help
Step 1
During our initial meetings we will take the time to get to know you, gather information about your current finances and objectives, and determine your family’s priorities.
Step 2
Once we understand your unique situation we will work with you to develop a plan that incorporates all the elements of your financial life, income, savings, spending, borrowing, insurance, investments, growth expectations, risk tolerance, philanthropy, and legacy planning.
Step 3
With a strategy in place we will work with you to put the plan into action, drawing on all of the research, analysis, and resources of Morgan Stanley, along with our own decades of experience.
Step 4
Since markets and family circumstances are constantly changing we regularly check and track how you and your portfolio are doing, reach out and discuss our findings, and make any necessary adjustments.
During our initial meetings we will take the time to get to know you, gather information about your current finances and objectives, and determine your family’s priorities.
Step 2
Once we understand your unique situation we will work with you to develop a plan that incorporates all the elements of your financial life, income, savings, spending, borrowing, insurance, investments, growth expectations, risk tolerance, philanthropy, and legacy planning.
Step 3
With a strategy in place we will work with you to put the plan into action, drawing on all of the research, analysis, and resources of Morgan Stanley, along with our own decades of experience.
Step 4
Since markets and family circumstances are constantly changing we regularly check and track how you and your portfolio are doing, reach out and discuss our findings, and make any necessary adjustments.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Awards Disclosures2024 - Forbes Best-In-State Next-Gen Wealth Advisors
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/23 - 3/31/24.
Awards Disclosures2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Awards Disclosures2023 - Forbes Best-In-State Next-Gen Wealth Advisors
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22 - 3/31/23.
Awards Disclosures2025 - Forbes Best-in-State Top Women Wealth Advisors
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 9/30/23 - 9/30/24.
Awards Disclosures2022 - Forbes Best-In-State Next-Gen Wealth Advisors
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Awards Disclosures
Advisor Video Series Part 1: Teaching Our Kids Budgeting Basics
In this video series, kids will discover how making smarter spending decisions today can help them achieve a brighter financial future tomorrow. Part 1 discusses money as a tool, wants vs. needs, and keeping a money diary
Watch Part 1
Advisor Video Series Part 2: Teaching Our Kids Budgeting Basics
“In this video series, kids will discover how making smarter spending decisions today can help them achieve a brighter financial future tomorrow. Part 2 discusses creating a budget, fixed and variable expenses, and budgeting for future goals.”
Watch Part 2Location
119 W. Clinton Street
Howell, MI 48843
US
Direct:
(517) 552-4641(517) 552-4641
Toll-Free:
(866) 539-6655(866) 539-6655
Fax:
(517) 552-7205(517) 552-7205
Meet The Livingston Key Group
Nicole Domitrovich, CFP®
First Vice President, Financial Advisor
Phone:
(517) 338-3202(517) 338-3202
Nancy Gravelle
Portfolio Associate
Phone:
(517) 552-4641(517) 552-4641
Rachel Gravelle
Client Service Associate
Phone:
(517) 338-3204(517) 338-3204
About Catherine Bowen Daniel
Financial planning is in Catherine Bowen Daniel’s blood…literally. She is the third generation of her family dedicated to helping individuals and families make the most of their money. The Livingston Key Group at Morgan Stanley can trace its history to Catherine’s grandmother who started the practice in the 1960s, and through her parents, who joined the team in the 1980s.
A graduate of the University of Michigan with a degree in economics, Catherine joined Barclays in New York City and spent three years working in equity research. She enjoyed the analytical process but realized she preferred working directly with people. Catherine returned to her Livingston County roots and joined the family’s team in 2013. Since then, she has succeeded in helping clients reach their goals and feel comfortable with their finances.
As a CERTIFIED FINANCIAL PLANNER™, Catherine has the training and experience to offer advice on a wide range of personal financial issues, including saving and investing, insurance, estate planning and retirement. She is also a Certified Investment Management Analyst®, which means she has additional insight and experience in risk assessment and portfolio management as well as business financial issues.
Catherine enjoys working from Sarasota, Florida where she lives with her three young children and husband, Eitan. She regularly travels back to Howell to meet with clients. Outside of work, Catherine enjoys spending time with her young family, practicing yoga, running, and cheering on her alma mater, the University of Michigan, during college football season. Go Blue!
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.
A graduate of the University of Michigan with a degree in economics, Catherine joined Barclays in New York City and spent three years working in equity research. She enjoyed the analytical process but realized she preferred working directly with people. Catherine returned to her Livingston County roots and joined the family’s team in 2013. Since then, she has succeeded in helping clients reach their goals and feel comfortable with their finances.
As a CERTIFIED FINANCIAL PLANNER™, Catherine has the training and experience to offer advice on a wide range of personal financial issues, including saving and investing, insurance, estate planning and retirement. She is also a Certified Investment Management Analyst®, which means she has additional insight and experience in risk assessment and portfolio management as well as business financial issues.
Catherine enjoys working from Sarasota, Florida where she lives with her three young children and husband, Eitan. She regularly travels back to Howell to meet with clients. Outside of work, Catherine enjoys spending time with her young family, practicing yoga, running, and cheering on her alma mater, the University of Michigan, during college football season. Go Blue!
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.
Securities Agent: KY, FL, CA, NJ, MN, IL, CO, AL, TX, SC, OK, NH, NC, GA, VA, OH, MD, IA, CT, AZ, PA, NV, NM, MI, IN, AR, TN, WI, NY, MO, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2285013
NMLS#: 2285013
About Nicole Domitrovich
Teaching is a calling for Nicole Domitrovich. From helping clients understand their options for retirement and education planning, to explaining the elements that go into a sound estate plan, Nicole derives her greatest work satisfaction from helping clients fully understand their finances in order to achieve their goals.
Nicole graduated Ball State University with a degree in education. She began her career in finance as a Registered Representative first for Charles Schwab and then for Scottrade. She joined Morgan Stanley in 2013 as a Registered Customer Service Representative later transitioning to Training Specialist, combining her teaching background and financial expertise. In 2018, Nicole joined the Livingston Key Group as a Financial Advisor, earning her CERTIFIED FINANCIAL PLANNER™ designation in 2021.
Helping clients craft and maintain a comprehensive financial plan is central to Nicole’s approach. Beginning with an analysis of income and assets, current expenses, insurance coverage and savings for retirement and education funding, she focuses on ensuring that each client’s approach to risk is appropriate for where they are in life, their needs, and their goals. With the basics in place, Nicole then helps manage client investment portfolios and allocations.
Her family, husband Lucas, preschool-age twins and focused work with clients keep Nicole busy, but she still makes time to bring her financial education mission to the community. For example, she recently launched a successful Teen Finance 101 program at the Howell Recreation Center teaching basic financial literacy to young people in the area.
Nicole graduated Ball State University with a degree in education. She began her career in finance as a Registered Representative first for Charles Schwab and then for Scottrade. She joined Morgan Stanley in 2013 as a Registered Customer Service Representative later transitioning to Training Specialist, combining her teaching background and financial expertise. In 2018, Nicole joined the Livingston Key Group as a Financial Advisor, earning her CERTIFIED FINANCIAL PLANNER™ designation in 2021.
Helping clients craft and maintain a comprehensive financial plan is central to Nicole’s approach. Beginning with an analysis of income and assets, current expenses, insurance coverage and savings for retirement and education funding, she focuses on ensuring that each client’s approach to risk is appropriate for where they are in life, their needs, and their goals. With the basics in place, Nicole then helps manage client investment portfolios and allocations.
Her family, husband Lucas, preschool-age twins and focused work with clients keep Nicole busy, but she still makes time to bring her financial education mission to the community. For example, she recently launched a successful Teen Finance 101 program at the Howell Recreation Center teaching basic financial literacy to young people in the area.
Securities Agent: GA, AR, AL, NY, MI, IN, MD, WI, TX, AZ, VA, OH, IA, MA, PA, MN, CO, NH, CA, NC, FL, CT, SC, MO, IL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2280379
NMLS#: 2280379
About Nancy Gravelle
As the team’s Portfolio Associate, Nancy Gravelle has been handling money movements, account openings, and reporting for the Livingston Key Group’s clients for more than 25 years. She loves that so many clients still visit the office in person, not just for help with their finances, but sometimes just to say hello and share news. It’s that small town feeling that is one of the things that attracted Nancy to the area when she first came on visits to her grandparent’s cottage.
After 40 years of marriage and raising three children, Nancy is now able to spend more time working on her expansive flower garden, kayaking, and bike riding.
After 40 years of marriage and raising three children, Nancy is now able to spend more time working on her expansive flower garden, kayaking, and bike riding.
About Rachel Gravelle
While Rachel Gravelle joined the Livingston Key Group in 2023, as a Client Service Associate, she is a familiar face to many of our clients as she is the daughter of long-time client service associate, Nancy Gravelle. Rachel was born and raised in Howell and is a graduate of Adrian College.
She looks forward to following in her mother’s footsteps at Morgan Stanley by continuing to support and assist our clients.
Rachel has a beloved Goldendoodle, named Maverick. And in her free time, she enjoys being outdoors either hiking, kayaking, playing pickleball or golf.
She looks forward to following in her mother’s footsteps at Morgan Stanley by continuing to support and assist our clients.
Rachel has a beloved Goldendoodle, named Maverick. And in her free time, she enjoys being outdoors either hiking, kayaking, playing pickleball or golf.
Contact Catherine Bowen Daniel
Contact Nicole Domitrovich
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
Joseph V. Portera
Private Banker
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, 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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
Wealth Management
Global Investment Office
Portfolio Insights
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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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
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Livingston Key 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4When 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4When 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
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Awards Disclosures
CRC 6491812 (04/2024)
