Executive Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director, Family Wealth Director, Certified Exit Planning Advisor™ (CEPA), Certified Divorce Financial Analyst
Phone:
(212) 551-7213(212) 551-7213
The Lowell Group at Morgan Stanley
Direct:
(212) 551-7213(212) 551-7213
Our Mission Statement
We help our Clients define, understand and achieve their Goals. This is accomplished through a patient approach of active listening, unique technical acumen, intelligent advice, leading to creative implementation. We are Fiduciaries, our Client’s Goals are our Goals and we create bespoke solutions which are entirely Client centric.
Our Story and Services
The Lowell Group was created around a unique Team of individuals with Deep Technical Acumen, Management and Leadership Experience, Tier-1 Institutional Pedigrees, Founder Experience, and a Passion for being looked to for Thoughtful Advice. We provide each of our Clients with a set of solutions and a Wealth Management road map crafted around their specific needs.
Through a collaborative effort, we focus on the crucial components to a successful Wealth Management experience - Estate Planning, Financial Planning, Balance Sheet and Cash Flow Understanding, Investment/Risk Management, Education/Explanation and Continuous Communication. We are detail orientated Fiduciaries in our approach and our other Core Values are the drivers behind the continuity and depth of our relationships.
Our commitment to simplifying the complex lives of our Clients is the impetus behind our goal of being our Client's "First Call".
Our team is proud to have earned the Family Wealth Director, Senior Portfolio Management Director, and Financial Planning Specialist distinctions. Additionally, we have received the following industry certifications:
• CDFA®, Certified Divorce Financial Analyst®
• CEPA®, Certified Exit Planning Advisor®
• CFP®, Certified Financial Planner®
• QPFC, Qualified Plan Financial Consultant
Services Include
- Business Succession PlanningFootnote1
- Business PlanningFootnote2
- Trust ServicesFootnote3
- Financial PlanningFootnote4
- Executive Financial ServicesFootnote5
- Corporate Investment SolutionsFootnote6
- Corporate Retirement PlansFootnote7
- Cash Management and Lending ProductsFootnote8
- Endowments and FoundationsFootnote9
- Divorce Financial AnalysisFootnote10
- Alternative InvestmentsFootnote11
- Art AdvisoryFootnote12
- Philanthropic ManagementFootnote13
- Estate Planning StrategiesFootnote14
- Trust AccountsFootnote15
- Professional Portfolio ManagementFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You and Our Solutions
The Lowell Group, out of NYC partners with Families, Individuals, Founders and Companies to define and solve for questions ranging from basic through highly complex. Please see the following focus/offering link examples:
Trust Planning
Focus on a Client’s estate to understand their needs, wishes in order to provide directional guidance and rationale advise.
Learn More Here
Family Office Resources
Discover the capabilities of leveraging Morgan Stanley Family Office Resources for UHNW clients by watching the linked video below.
Watch This Video
Financial Planning - Strategy
Understanding a Client’s full financial picture is crucial in creating a comprehensive Financial Strategy. In addition to solving for traditional retirement planning strategies, below please find more complex case studies we are able to address.
View Financial Planning Case Studies
Outsourced Chief Investment Officer (“OCIO”)
OCIO is one of the fastest growing trends in investment management for UHNW Families and Institutions.
Learn More Here
GIC and Investment Management
Explore the suite of investment management capabilities offered by The Lowell Group at Morgan Stanley by clicking the link below.
Learn More Here
Philanthropic Planning
Using a Family Foundation or Donor Advised Fund has been an integral piece of our Client’s Mission Wealth Strategy – see the link below regarding a Family Foundation.
Learn More Here
Intergenerational Wealth Planning
We work with multiple generations within Families: G1-G3+. Some of the Families we work with are Founders and/or Business Owners. Below please find a Business Sale thought process and engagement example which many times creates the need for the Intergenerational Planning discussion.
View Business Sale Thought Process Here
Fiduciaries
Contact us to learn more about our fiduciary capabilities and how they can fit into your overall financial picture through our bespoke services.
Alternative Investments
Our leading alternatives platform offers 160+ 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—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative InvestmentsOur Constituents
Our team works with even the most complex financial portfolios. We're also well versed in both family and business dynamics - important elements in many financial issues.
The Lowell Group at Morgan Stanley has a deep understanding of market trends and the global economic landscape. We give you objective, understandable advice, so you can invest with confidence.
The Lowell Group at Morgan Stanley has a deep understanding of market trends and the global economic landscape. We give you objective, understandable advice, so you can invest with confidence.
Our Core Values
- Do The Right Thing
- Put Clients First
- Lead With Exceptional Ideas
- Commit to Diversity and Inclusion
- Give Back
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read This Week's ReportOn The Markets Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Global Investment Outlook
In an environment of slow growth, lower inflation and new monetary policies, expect 2023 to have upside for bonds, defensive stocks and emerging markets.
View Research Here
Thoughts On The Market Podcast
From volatility and geopolitics to economic trends and investment outlooks, stay informed on the key developments shaping today's markets
Listen Here
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Listen Here
Reserved Living and Giving
Reserved Living & Giving is a complimentary loyalty program available to clients with a minimum of $1M in AUM, that can help them save time and money on travel, gifts, automobiles and more.
Click Here To Learn More
Financial Literacy
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Financial Literacy for Any Stage of Your LifeThe Lowell Group at Morgan Stanley Monthly Newsletter
Click the link below to view The Lowell Group at Morgan Stanley's Monthly Newsletter. from market insights to financial hot points, you can read our take on the current macroeconomic climate as well as receive curated, tailored articles directly to your email.
Awards, Licenses and Accreditations
Gregory Chaskin Receives Forbes Best-In-State Wealth Advisors 2024
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
View Award Methodology HereSource: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Gregory Chaskin Receives Forbes Best-In-State Wealth Advisors 2022
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Source: Forbes.com (Awarded April 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Five Star Professional
Five Star Wealth Advisor Award
This award was issued in 2022. The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
This award was issued in 2022. The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Certified Public Accountant (non-practicing)
Greg is a non-practicing Certified Public Accounting keeping his license active in the State of New York.
Family Wealth Director
A Family Wealth Director (FWD) is a rare distinction, earned by less than 4% of Morgan Stanley’s Financial Advisors as of February 2021. The designation is given to advisors who have undergone distinctive training to complement their extensive experience working with ultra-high net worth families.
Senior Portfolio Management Director
A firm credentialed Portfolio Manager is empowered to implement investment decisions on your behalf while leveraging the global resources of Morgan Stanley/
Learn More Here
Certified Exit Planning Advisor
The Certified Exit Planning Advisor (CEPA) is a unique credential that allows professional advisors to deeply engage with business owners and help them plan every aspect of their personal finances.
Learn More Here
Certified Divorce Financial Analyst
Greg Chaskin earned the CDFA® designation after advanced training and successfully passing a rigorous examination covering a variety of divorce and financial topics.
Morgan Stanley President's Club
The Morgan Stanley President's Club recognition recognizes outstanding performance by the top 3.5% of Advisors within the Firm in addition to demonstrated leadership in the best practices of wealth management.
Morgan Stanley Master's Club
The Morgan Stanley Master's Club recognition recognizes outstanding performance by the top 7% of Advisors within the Firm in addition to demonstrated leadership in the best practices of wealth management.
CERTIFIED FINANCIAL PLANNER™
Chelsea Brogan earned the CFP® certification in December 2019. As a Certified Financial Planner™, she has extensive knowledge of the financial planning process. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving clients' best interests today to prepare them for a more secure tomorrow.
Click Here To learn MoreLocation
55 East 52nd Street 10th
12th Floor
New York, NY 10055
US
Direct:
(212) 551-7213(212) 551-7213
Meet The Lowell Group
Associate Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(212) 401-0529(212) 401-0529
Andrew Durham
Registered Associate, Financial Planning Specialist
Phone:
(212) 551-7212(212) 551-7212
William M. Ryan
Senior Registered Associate
Phone:
(212) 692-2362(212) 692-2362
About Gregory L. Chaskin
Greg Chaskin, CEPA®, CDFA®, Family Wealth Director, Senior Portfolio Management Director and founder of The Lowell Group, brings over 25 years of diversified corporate finance and capital markets experience to his Financial Advisory practice. Greg tailored his practice to address the complex needs of Ultra-High-Net Worth Individuals and Families, Small and Middle Market Businesses/Business Owners/Founders, Private Equity and Hedge Fund Founders. Greg and his team provide a Virtual Family Office experience to their Clients needing these comprehensive services. Communication, availability, transparency, and technical acumen make up the foundation of The Lowell Group.
Prior to joining Morgan Stanley, Greg was a Director within the Duff and Phelps transaction advisory practice, he advised private equity funds and strategic buyers/sellers on merger and acquisition strategies for transactions across a variety of industries, including but not limited to technology, manufacturing, service, distribution, financial, hospitality. Greg was also with JP Morgan Partners, the private equity arm of JP Morgan Chase. He was also an analyst in the Goldman Sachs fixed income group. Greg began his career with Arthur Andersen, public accounting firm, and participated in engagements across multiple industries.
Greg is a non-practicing C.P.A. - NYS Licensed, a private venture investor, and Founder. Greg graduated from the University at Albany School of Business with a Bachelor of Science degree with a concentration in Accounting. He resides in New York with his Family – and in his free time when not being silly with his kids, Greg enjoys, playing Tennis and training Brazilian Jiu-Jitsu.
Link to the Lowell Group team website: https://advisor.morganstanley.com/the-lowell-group
2023-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022-2023) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2022-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022-2023) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021-2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2021-2022) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Prior to joining Morgan Stanley, Greg was a Director within the Duff and Phelps transaction advisory practice, he advised private equity funds and strategic buyers/sellers on merger and acquisition strategies for transactions across a variety of industries, including but not limited to technology, manufacturing, service, distribution, financial, hospitality. Greg was also with JP Morgan Partners, the private equity arm of JP Morgan Chase. He was also an analyst in the Goldman Sachs fixed income group. Greg began his career with Arthur Andersen, public accounting firm, and participated in engagements across multiple industries.
Greg is a non-practicing C.P.A. - NYS Licensed, a private venture investor, and Founder. Greg graduated from the University at Albany School of Business with a Bachelor of Science degree with a concentration in Accounting. He resides in New York with his Family – and in his free time when not being silly with his kids, Greg enjoys, playing Tennis and training Brazilian Jiu-Jitsu.
Link to the Lowell Group team website: https://advisor.morganstanley.com/the-lowell-group
2023-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022-2023) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2022-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022-2023) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021-2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2021-2022) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: MA, UT, NY, VA, CO, FL, WA, TX, HI, NJ, DE, CA, AZ, VT, NC, WI, SC, NH, KS, CT, PA, NM, MI, ME, IN, DC, TN, KY, MD, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1272861
NMLS#: 1272861
About Chelsea Brogan
Chelsea Brogan, CFP® joined Morgan Stanley in 2013, and partnered with the Lowell Group at Morgan Stanley in October 2023.
Chelsea's role as a Financial Advisor is to work closely with clients on both financial planning and portfolio management.
As a Certified Financial Planner™ (CFP®), Chelsea has extensive knowledge of the financial planning process. Working with clients to uncover goals, concerns, and risks allows her to analyze wealth planning data and develop solutions that can help empower clients in understanding their financial situation and reaching their goals.
Chelsea's knowledge in portfolio management focuses on customized investment strategies, asset allocation, tax-aware investing, and security selection. She provides fundamental insights in portfolio construction for both equity and fixed income portfolios, as well as in capital markets.
Chelsea has been named in Morgan Stanley’s prestigious Pacesetters club recognizing a select group of Morgan Stanley Financial Advisors for their consistent excellence in investment and wealth management services (2021-2023). She has also been awarded the Five Star Wealth Advisor recognition for four consecutive years (2020-2024).
After graduating from of The University of Washington with a BA in Business Administration focused in Accounting, Chelsea earned a Master of Business Administration from Seattle University, with a Certificate in Finance focused in Investments and Corporate Finance.
Chelsea was born and raised in WA State, and now lives in Manhattan. She is passionate about financial literacy, advocating for equality for women and marginalized groups, and giving back to the community. When she is not working, Chelsea enjoys traveling, reading, trying new recipes in the kitchen, and spending time outdoors.
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC CRC # 6064989 01/2024
2020-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2020-2024). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2020 Award - 04/1/2019 - 11/13/2019
2021 Award - 04/27/2020 - 10/30/2020
2022 Award - 05/10/2021 - 11/30/2021
2023 Award - 04/18/22 - 10/21/22
2024 Award - 05/15/2023 - 11/30/2023
Chelsea's role as a Financial Advisor is to work closely with clients on both financial planning and portfolio management.
As a Certified Financial Planner™ (CFP®), Chelsea has extensive knowledge of the financial planning process. Working with clients to uncover goals, concerns, and risks allows her to analyze wealth planning data and develop solutions that can help empower clients in understanding their financial situation and reaching their goals.
Chelsea's knowledge in portfolio management focuses on customized investment strategies, asset allocation, tax-aware investing, and security selection. She provides fundamental insights in portfolio construction for both equity and fixed income portfolios, as well as in capital markets.
Chelsea has been named in Morgan Stanley’s prestigious Pacesetters club recognizing a select group of Morgan Stanley Financial Advisors for their consistent excellence in investment and wealth management services (2021-2023). She has also been awarded the Five Star Wealth Advisor recognition for four consecutive years (2020-2024).
After graduating from of The University of Washington with a BA in Business Administration focused in Accounting, Chelsea earned a Master of Business Administration from Seattle University, with a Certificate in Finance focused in Investments and Corporate Finance.
Chelsea was born and raised in WA State, and now lives in Manhattan. She is passionate about financial literacy, advocating for equality for women and marginalized groups, and giving back to the community. When she is not working, Chelsea enjoys traveling, reading, trying new recipes in the kitchen, and spending time outdoors.
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC CRC # 6064989 01/2024
2020-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2020-2024). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2020 Award - 04/1/2019 - 11/13/2019
2021 Award - 04/27/2020 - 10/30/2020
2022 Award - 05/10/2021 - 11/30/2021
2023 Award - 04/18/22 - 10/21/22
2024 Award - 05/15/2023 - 11/30/2023
Securities Agent: NC, MT, TX, NH, WI, PA, MI, ME, DC, AK, WA, IN, MA, DE, CO, OH, NM, KY, ID, UT, FL, CT, CA, NV, AZ, OR, NJ, MD, HI, VA, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 2007255
NMLS#: 2007255
About Andrew Durham
Andrew joined the Lowell Group at Morgan Stanley in February 2022 as a Registered Associate and Financial Planning Specialist. Prior to joining Morgan Stanley, Andrew worked at AllianceBernstein in Washington D.C. as a Private Wealth Associate. Andrew is experienced in Financial Planning, Investment Management and Operational Risk Management delivered to High-Net-Worth Families, Private Foundations/Institutions, and Non-Profit Organizations.
Andrew graduated from Wake Forest University, School of Business in May 2020, where he earned a Bachelor of Science in Finance. While at Wake Forest University, Andrew obtained industry experience as an intern at Merrill Lynch Wealth Management and FS Investments.
Andrew maintains a passion for philanthropic endeavors. Most notably, Andrew has held philanthropic leadership positions as an Executive Committee member of Hydrating Humanity, a prominent non-profit humanitarian organization, as well as the Philanthropy Chairman of the Sigma Chi Delta Nu Chapter. Andrew is originally from the suburbs of Philadelphia and enjoys playing tennis and traveling with family and friends.
Andrew graduated from Wake Forest University, School of Business in May 2020, where he earned a Bachelor of Science in Finance. While at Wake Forest University, Andrew obtained industry experience as an intern at Merrill Lynch Wealth Management and FS Investments.
Andrew maintains a passion for philanthropic endeavors. Most notably, Andrew has held philanthropic leadership positions as an Executive Committee member of Hydrating Humanity, a prominent non-profit humanitarian organization, as well as the Philanthropy Chairman of the Sigma Chi Delta Nu Chapter. Andrew is originally from the suburbs of Philadelphia and enjoys playing tennis and traveling with family and friends.
About William M. Ryan
A financial services veteran with over 33 years of experience. Bill has significant technology and systems knowledge , a positive disposition, commitment to our client service model, and excellent communication skills. A native of New York City who attended Fordham University. Prior to joining the Lowell Group, he spent 10 years at Merrill Lynch before joining Smith Barney a predecessor firm of Morgan Stanley. He has the Series 7 and Series 63 registered.
Contact Gregory L. Chaskin
Contact Chelsea Brogan
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Lowell 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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 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.
8Morgan 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
9Morgan 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.
10Morgan 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.
11Alternative 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.
12Products 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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
13Products 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.
14Morgan 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.
15Morgan 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.
16Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 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.
8Morgan 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
9Morgan 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.
10Morgan 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.
11Alternative 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.
12Products 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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
13Products 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.
14Morgan 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.
15Morgan 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.
16Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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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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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
