Rick Beaumont, CFP®
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(925) 253-5357(925) 253-5357
Industry Award WinnerOur Mission Statement
We serve multigenerational families, individuals and businesses. Our team has a ‘planning-first’ collaborative approach. We help you navigate financial decisions to preserve and grow your wealth and meet your unique life aspirations and goals.
Welcome
The Lotus Group takes a holistic approach to create comprehensive, multigenerational wealth management solutions. Our objective is to provide you with clear and personalized advice that helps to simplify, organize, and streamline your financial life.
Our focus is on building longstanding relationships based on trust, understanding, and shared values. We take our business personally and are committed to helping you achieve your unique financial goals and dreams.
We offer all-encompassing strategic solutions for your specific needs and circumstances, backed by vast research, capabilities, and world class resources of an industry leading firm. Our process begins with a comprehensive financial plan, followed by a detailed investment strategy, that we implement and continue to monitor. We provide customized tax-efficient investment strategies, legacy and philanthropy options, estate planning, and a vast alternative investments proposition to complement your traditional investment portfolio.
Our diverse backgrounds and balancing skillsets provide a foundation centered on teamwork, collaboration, and the highest level of service to our clients, who in turn, are our greatest advocates.
Sustainable Investing
- We aim to generate market-rate financial returns while demonstrating positive environment and/or social impact.
- Client-centered approach to help the families, individuals, and organizations we serve to invest in a way that aligns their personal or organizational values with their investments.
- Collaborate with clients to clarify and develop their distinct motivations that ultimately will drive their investing with impact strategy.
- We leverage Morgan Stanley's market position as a leading wealth management firm to empower our clients to invest with impact.
Giving Back
- The Lotus Group is active in the community through volunteering at local non-profits. It also financially supports the following charities working on important causes: American Red Cross FBO Hawaii Wild Fires, International Rescue Committee FBO Families in Ukraine, Love Never Fails to support survivors of human trafficking and American Friends of Magen David Adom (the Israeli Red Cross affiliate).
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Goal-Based Process
Our process focuses on you and your legacy. Through each step, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
1: Introduction
We begin with an informal discussion to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
2: Discovery
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3: Analysis & Plan Development
Utilizing proprietary tools and insights from Morgan Stanley, we develop a personalized financial plan that integrates all of your available assets into one integrated plan.
4: Asset Transfer
With your approval, we begin to transfer your assets to Morgan Stanley. Once transferred, we begin our goals-based financial planning process.
5: Plan Presentation & Implementation
In this step, we present appropriate strategies that are designed to work together to help achieve your goals. Upon your approval, we will initiate the investment recommendations and begin to implement the additional strategies we’ve discussed. These often encompass risk management, as well as estate and legacy planning strategies.
6: Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we will set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
Investing with Impact
Morgan Stanley has designed a proprietary process to identify a client's specific impact priorities and match them with an appropriate investing with impact solution. With numerous investment strategies and additional customizable portfolio solutions across asset classes, I tailor my clients' portfolios to match their preferences and monitor both financial and impact results over time. Investors of all sizes can seek to advance broad sustainability solutions as well as mitigate climate change, support diversity and inclusion, promote community economic development and more.
Disclaimer:
The returns on a portfolio consisting primarily of Environmental, Social, And Governance ("ESG") aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
Disclaimer:
The returns on a portfolio consisting primarily of Environmental, Social, And Governance ("ESG") aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
Broad-Based Sustainability
Exposure to companies from all sectors and industry groups that reflect the best environmental practices relative to industry peers. Invest in companies with sustainable practices, including efficient natural resourse use and efforts to reduce greenhouse gas emissions.
Climate Action
Investments in companies with products and services targeting key sustainability goals and climate solutions. Focus on investable themes that seek to improve climate change mitigation and/or adaption solutions.
Fossil Fuel Awareness
Eliminate or reduce exposure to companies producing coal, oil and nuclear energy or owning significant fossil fuel reserves or bottom environmental performers.
Gender Lens
Avoid exposure to companies with poor gender diversity records while seeking companies with leading gender diversity records, including strong policies and programs, diverse board of directors and senior management.
Improving Lives
Investments focused on enterprises that deliver positive impact such as alleviating poverty and promoting community development.
Inclusive Workspace
Focus on companies or funds seeking to create an inclusive workspace through channels such as workplace equity, access to capital, and work/life balance programs.
Media & Research
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
Rick Beaumont Achieves Family Wealth Director Designation
To read the press release, click the link below.
Press Release
Monthly Insights: Starting A New Job
Starting a new job out of college can be daunting! My website offers ideas and resources that can be useful in any stage of life, including a playbook for starting your first job. Click the link below and head to my website. Once there, click on the tab “Investor Resources” to see this month’s spotlight “Starting Your First Job.”
Learn More
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Report
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
The GIC Weekly
2024 Tax Tables
Access the 2024 Federal Tax Tables
IRA Contributions
The deadline to make a contribution to an Individual Retirement Account (IRA) for any given tax year is the due date of your federal income tax return—typically on or around April 15—of the following calendar year for most individual taxpayers.
Learn More Here
Tax Loss Harvesting
Under current U.S. federal tax law, it’s possible to offset your capital gains with capital losses you’ve incurred during that tax year or carried over from a prior tax return.
Learn More Here
Gift Giving Scams
Reduce the risk of fraud and help ensure your money is going to a deserving charity instead of a devious criminal by following these tips.
Learn How to Reduce Scams Here
Financial Literacy for Next-Gen
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. It’s never too early – or too late – to start improving your financial foundation.
Learn More Here
Your Guide to Life and Money: Playbook
How much of your savings should you be investing? Should you share your finances with a significant other? How do you know when you're ready to buy a home, or start a business? If you're wrestling with some of these questions, the Playbook: Your Guide to Life & Money may have the answers you're looking for.
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Wire Transfers
For directions regarding US Dollar denominated wires used to fund Morgan Stanley accounts please reference the link below.
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Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative InvestmentsManaging Your Wealth In A Digital World
We offer a comprehensive suite of tools to manage your wealth more effectively in today’s busy world. We are happy to assist you in signing up for any of these services.
Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
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Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
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Access your cash from banks or tellers that
accept Mastercard® and manage your cash on
the go with Morgan Stanley Online and the
Morgan Stanley Mobile App.
Learn More Hereaccept Mastercard® and manage your cash on
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Morgan Stanley Mobile App.
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
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Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
The Morgan Stanley Mobile App is currently available for iPhone® and iPad® from the App StoreSM and AndroidTM on Google PlayTM. Standard messaging and data rates from your provider may apply.
Learn More HereThe Morgan Stanley Mobile App is currently available for iPhone® and iPad® from the App StoreSM and AndroidTM on Google PlayTM. Standard messaging and data rates from your provider may apply.
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View HereLocation
2 Theatre Square
Ste 322
Orinda, CA 94563
US
Direct:
(925) 253-5357(925) 253-5357
Meet The Lotus Group
Matthew M. Cummings
Wealth Management Associate
Phone:
(925) 253-5389(925) 253-5389
Lindsay Abrams
Registered Client Service Associate
Phone:
(925) 253-5360(925) 253-5360
About Rick Beaumont
Rick brings over 30 years of experience and his primary focus is comprehensive planning, including retirement and estate planning strategies, business succession planning, tax planning strategies, and liability management. Working closely with our clients’ other tax and legal advisors, he also assists families with succession planning, philanthropy, and executive compensation planning. As a CERTIFIED FINANCIAL PLANNER™, Family Wealth Director, and Alternative Investments Director, Rick is well-positioned to help clients and their families meet complex wealth management requirements. Rick has most recently achieved Morgan Stanley’s Family Wealth Director title, which is an elite and prestigious designation at the firm held by only 5% of its financial advisors.
Rick actively contributes to the community by offering college students shadowing and mentoring opportunities and supporting career development of his team. He also served as President of the Board of Directors for the Valley Children’s Museum from 2005-2007 and 2010-2011 as well as Treasurer in 2009. He served as Chairman of the Board for the Pleasanton Chamber of Commerce in 2001.
Rick earned his Bachelor of Science degree in Finance from Cal Poly State University, San Luis Obispo. He lives in Alamo with Ana and their children: Nicolas, Danny, Olivia, Vivian, Ashlyn, and Carolina. He spends his free time camping, hiking, mountain biking, and coaching youth sports.
CA Insurance License #: 0B50886, NMLS #: 1295551
Rick actively contributes to the community by offering college students shadowing and mentoring opportunities and supporting career development of his team. He also served as President of the Board of Directors for the Valley Children’s Museum from 2005-2007 and 2010-2011 as well as Treasurer in 2009. He served as Chairman of the Board for the Pleasanton Chamber of Commerce in 2001.
Rick earned his Bachelor of Science degree in Finance from Cal Poly State University, San Luis Obispo. He lives in Alamo with Ana and their children: Nicolas, Danny, Olivia, Vivian, Ashlyn, and Carolina. He spends his free time camping, hiking, mountain biking, and coaching youth sports.
CA Insurance License #: 0B50886, NMLS #: 1295551
Securities Agent: MI, IL, UT, WA, MN, NY, MO, TN, PA, IN, IA, CA, HI, CO, WI, OR, OH, FL, VA, NM, NJ, MT, ME, MD, NV, NH, NC, MA, LA, ID, AZ, AL, WY, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1295551
NMLS#: 1295551
About Matthew M. Cummings
Matt started with Morgan Stanley in 2018 in our branch and has spent the last 4 years with The Bach Group. Some of his duties included financial planning, investment research, analytics, implementation, and ongoing monitoring.
Matt holds a Bachelor of Science degree in Business Administration with a concentration in Financial Management from Sonoma State University. After graduation, Matt moved to Concord to pursue a career in the financial industry. While working at Morgan Stanley he has obtained his Series 7, Series 66, and California Insurance Licenses.
In his spare time, Matt enjoys all things outdoors. He likes hiking, fishing, camping, and is an avid skier.
CA Insurance License #4033377
Matt holds a Bachelor of Science degree in Business Administration with a concentration in Financial Management from Sonoma State University. After graduation, Matt moved to Concord to pursue a career in the financial industry. While working at Morgan Stanley he has obtained his Series 7, Series 66, and California Insurance Licenses.
In his spare time, Matt enjoys all things outdoors. He likes hiking, fishing, camping, and is an avid skier.
CA Insurance License #4033377
CA Insurance License #: 4033377
About Lindsay Abrams
Prior to joining Morgan Stanley in December 2022, Lindsay worked as Marketing Intern for Blue Orange Games, where she supported executive management and the Marketing Department by driving sales through promotional content and contributing to business development. She also volunteered for 6 years at her local wildlife museum. Her strong work ethic, creativity, and sense of humor make her a valuable member to the team. In May 2022, Lindsay earned her Bachelor of Science degree in Business Administration from Saint Mary’s College of California (Moraga CA), where she also competed on the Division 1 Rowing team all four years.
Lindsay was born and raised in Pleasant Hill, CA and currently lives in Moraga. In her free time she enjoys being outside and hiking with her family. Her other hobbies include travel, nature photography, backpacking, cooking, and painting.
Lindsay was born and raised in Pleasant Hill, CA and currently lives in Moraga. In her free time she enjoys being outside and hiking with her family. Her other hobbies include travel, nature photography, backpacking, cooking, and painting.
Contact Rick Beaumont
Awards and Recognition
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
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
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
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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
Ready to start a conversation? Contact The Lotus Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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
7When 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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
7When 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
