Roxana Machado
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(305) 460-7903(305) 460-7903
The Machado Group at Morgan Stanley
Direct:
(305) 460-7903(305) 460-7903
Toll-Free:
(800) 637-4394(800) 637-4394
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy.
Our Story and Services
With more than 30 years of combined financial experience and education, The Machado Group helps affluent families, corporate executives, busy professionals, and business owners manage their financial lives and goals. Roxana Machado also works with institutions and corporate entities with specialized planning, investment management needs, and retirement plan design. Ricardo Machado, the group's CFO, helps to simplify financial problems to establish achievable goals for clients, so they can focus on their businesses, families, and retirement. The husband and wife team easily build upon each other's strengths to make client dreams a reality.
Above all else, we commit to:
- Effective Communication
- Rapid Response
- First Class Service
- Consistent Client Touchpoints
- Total Privacy
- Wealth Protection
- Multi-Generational Experience
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Alternative InvestmentsFootnote2
- AnnuitiesFootnote3
- Asset Management
- Business PlanningFootnote4
- Business Succession PlanningFootnote5
- Corporate Retirement PlansFootnote6
- Corporate Trust Services
- Estate Planning StrategiesFootnote7
- Financial PlanningFootnote8
- Fixed IncomeFootnote9
- Lending Products
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Municipal BondsFootnote12
- Planning for Education FundingFootnote13
- Professional Portfolio ManagementFootnote14
- Qualified Retirement PlansFootnote15
- Retirement PlanningFootnote16
- Trust AccountsFootnote17
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What We Bring to the Table
At the Machado Group, we take great care in planning for all of our clients’ specific needs and goals. With over 3 decades worth of financial industry experience, we have honed our skillset to provide the best guidance we can. We focus on helping CEOs and wealthy business people, retirees, and women in transition. Our distinction as a husband and wife team means we are always collaborating to find the best solutions for you.
CEOs and Corporate Executives
In this busy world, we recognize how managing wealth can be difficult to handle alone. We work with CEOs and businessmen and women to create customized strategies designed to help build and preserve wealth.
Retirees
We recognize the importance of feeling protected when it comes to your retirement accounts. Your long term goals in wealth require attention to detail, even if retirement feels far away. We have the tools to help.
Women in Transition
Helping women transition into the next stage of their life after a major, financial event is something we pride ourselves on here at the Machado Group. That is why we are committed to providing you the knowledge and tools you need to reach your financial goals.
CEOs and Corporate Executives
In this busy world, we recognize how managing wealth can be difficult to handle alone. We work with CEOs and businessmen and women to create customized strategies designed to help build and preserve wealth.
Retirees
We recognize the importance of feeling protected when it comes to your retirement accounts. Your long term goals in wealth require attention to detail, even if retirement feels far away. We have the tools to help.
Women in Transition
Helping women transition into the next stage of their life after a major, financial event is something we pride ourselves on here at the Machado Group. That is why we are committed to providing you the knowledge and tools you need to reach your financial goals.
Business Owners/CEOs - Workspace Insights
There's never been a more important time for business leaders to be in the know and be in the now. Our Insights page brings industry professionals and thought leaders together to deliver the fresh perspectives and keen insights needed to help drive your business forward. Take a look at the link below for Morgan Stanley's "At Work" hub of ideas.
Morgan Stanley "At Work" Insights Page
Business Owners/CEOs - "The Retirement Wave is Here: Are You Prepared?"
One of Morgan Stanley's insights, see what a surge in retirement could mean for the workplace, and how you can attract and retain talent in a competitive environment.
The Retirement Wave is Here: Are You Prepared?
Retirees - Goals-Based Wealth Management
Goals-Based Wealth Management means that we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial goals. Visit the Firm's Goals-Based Wealth Management page for more information and contact us if you would like to discuss what this means for you.
Goals-Based Planning Home Page
Retirees - 5 Mistakes to Avoid in Retirement
How you plan your finances in retirement may be just as important as the process of saving for retirement. Here are some key considerations.
5 Mistakes to Avoid in Retirement
Retirees - 6-Step Retirement Checkup
When market volatility arises, checking in on your retirement plan may make a lot of sense. Take a look at this article for ideas.
Retirement Checklist
Women in Transition - Women and Wealth: Planning for Your Financial Future
Today, women hold the majority of consumer spending power, with more than $10 trillion in US household financial assets. Despite the economic power, many women have not felt on top of their financial lives, especially in light of the pandemic and its disproportionate effects on women. Understandably, women may have financial needs/obligations different from those of men. While armed with the proper education and plan, women can feel more confident about achieving their goals.
Read this article for more.
Women and Wealth: Planning for Your Financial FutureRead this article for more.
Our Approach to Financial Planning
At the Machado Group, we are dedicated to understanding each of our clients' specific needs and goals. Our tailored approach helps us to best reach your wealth goals.
Step 1: Introductory Meeting
Our relationship begins with a meeting designed to let us get to know you, your lifestyle, and your goals for the future.
Step 2: Discovery Meeting
The next time we get together, we will work to establish your specific financial goals by reviewing your current situation and creating a suitable risk tolerance. This will be what helps you to achieve the financial outcome you dream of for yourself.
Step 3: Financial Plan Presentation
With the information you've given us, we will then present a financial plan to map out what steps we need to take to achieve financial success. It is important to take into consideration several factors that could impact the plan, such as liquidity events or insurance coverage. A holistic view of your financial information will allow us to establish the most effective financial plan.
Step 4: Next Steps
After the initial financial plan presentation, we will make further recommendations based on our analysis. This could include changes to your financial plan, investment allocation, and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting provides an opportunity to create prospective custom strategies for continued success in reaching your financial goals. With our guidance, you'll have access to a comprehensive array of strategies, services, and programs that work in tandem to help grow, preserve and transfer wealth.
Step 6: Monitoring and Performance Tracking
We will be constantly monitoring your assets and analyzing the performance of your portfolio to ensure your financial expectations are being met and adjusted accordingly.
Why Advice Matters
We all have goals and many of them are linked to our finances. As we know, life events rarely take on a linear trajectory. We'll all encounter hiccups in our initial plans: Needing to meet health-care needs, unexpected costs, accidents and the list goes on.
Making investment decisions and managing them on a consistent, ongoing basis, while juggling these financial goals can be overwhelming and time-consuming. This is where we can help.
Making investment decisions and managing them on a consistent, ongoing basis, while juggling these financial goals can be overwhelming and time-consuming. This is where we can help.
Aligning Investments to Help Achieve Your Goals
It's easy for all of us to get caught up in the details of our investments, but investors will often struggle to articulate what they want to achieve. As your financial advisors, we can help you to outline necessary factors to accomplish this. As we discuss in our "Executive Financial Planning" tab, the first step of our process is to learn more about you - Hear about your lifestyle, discover your preferences and outline your goals for the future. From this discussion, we can have a dialogue about your asset allocation to help you get there.
Create a Plan and Stick to It
Even the strongest of financial plans on their own will not encompass all factors. With that said, a strong plan with an ongoing dialogue and relationship will give us the clarity we need and furthermore, will facilitate necessary adjustments. Your financial goals may change over the years and we're here to help you make those a reality.
Unifying Your Finances with Everything Else
Many investors will put their personal life and their finances into two separate buckets, evaluating each independently of the other.
Streamlining Your Process
Over the years, we have found the most success with our clients when we're able to foster an ongoing dialogue with your tax and legal advisors. While working together, we can work to actively reduce your taxes and achieve a better grasp of your legacy and philanthropic goals.
The Benefit of a Team
We can act as a sounding board for your concerns, for your finances and how they connect to your life. Volatility in the market is difficult to bear, but panic selling, hiding out in too much cash, not considering your allocation or making other rash decisions can be extremely detrimental to your progress. Regardless of experience, it is often times rewarding to have teammates to bounce ideas off of or gain insight on additional perspectives.
Digital Tools
Our suite of digital technology is designed to help enhance all aspects of your financial life. Check out a few of the tools below.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money, to transferring funds and authorizing transactions with one click using eAuthorizations.
Log In to Morgan Stanley Online
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online (MSO) may enroll in eDelivery.
eDelivery
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life’s most important documents from wills and deeds to financial statements and tax fillings.
Digital Vault
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Spending and Budgeting ToolLocation
220 Alhambra Circle
10th Floor
Coral Gables, FL 33134
US
Direct:
(305) 460-7903(305) 460-7903
Toll-Free:
(800) 637-4394(800) 637-4394
Meet The Machado Group
Ricardo Machado
Associate Vice President, Financial Advisor, Financial Advisor, Alternative Investments Director
Phone:
(305) 460-7921(305) 460-7921
Gladys Dowd
Portfolio Associate
About Roxana Machado
Roxana Machado is a Wealth Advisor, Financial Planning Specialist and First Vice President at Morgan Stanley. She began her career with Merrill Lynch in 1998. With over 20 years of financial experience and education, Roxana and her team help affluent families, corporate executives, busy professionals and business owners manage their financial lives. Roxana also works with institutions and corporate entities with specialized planning, investment management needs and retirement plan design. She provides life-stage financial strategies, strategic asset management, liability management and family office services. Through a customized approach, Mrs. Machado and her team help them make their dreams become reality. She has spoken at various events on topics such as financial planning, asset allocation, retirement planning and business financial services.
Mrs. Machado is an active member of the community and has assisted many worthwhile organizations including: the Miami Children’s Hospital Foundation, American Cancer Society and the Make a Wish Foundation. Roxana is a lifetime member of Betta Gamma Sigma, an honor society for the collegiate schools of business. She graduated Magna Cum Laude at Florida International University School of Business. She currently lives in Miami with her husband and two children.
Mrs. Machado is an active member of the community and has assisted many worthwhile organizations including: the Miami Children’s Hospital Foundation, American Cancer Society and the Make a Wish Foundation. Roxana is a lifetime member of Betta Gamma Sigma, an honor society for the collegiate schools of business. She graduated Magna Cum Laude at Florida International University School of Business. She currently lives in Miami with her husband and two children.
Securities Agent: MD, VT, GA, AL, VA, NJ, MA, CA, TX, CO, SC, NC, FL, TN, PA, NY, AZ, HI, WY, PR, KY, ME, WA; General Securities Representative; Investment Advisor Representative
About Ricardo Machado
Ricardo Machado is a Financial Advisor at Morgan Stanley. He focuses on providing comprehensive wealth management advice to high net worth investors, including successful professionals and business owners. Ricardo has over 15 years in finance, accounting and management experience. He brings a unique perspective and understanding of the challenges that many of today’s professionals and business owners face. He is proficient in retirement planning, fixed income strategies, risk management and tax efficiency strategies. Mr. Machado works primarily with clients establishing investment objectives, helping create investment policy statements, developing asset allocation guidelines and screening of money managers for investment.
Ricardo is a graduate of Florida International University School of Accounting. He is a member of the Miami Children’s Hospital Foundation and St. Jude’s Young Ambassadors. Away from the office Ricardo enjoys spending time with his family. An avid endurance athlete, Ricardo has completed 3 Half Ironman and many triathlons. Mr. Machado lives in Miami with his wife and two children.
Ricardo is a graduate of Florida International University School of Accounting. He is a member of the Miami Children’s Hospital Foundation and St. Jude’s Young Ambassadors. Away from the office Ricardo enjoys spending time with his family. An avid endurance athlete, Ricardo has completed 3 Half Ironman and many triathlons. Mr. Machado lives in Miami with his wife and two children.
Securities Agent: ME, KY, WY, TX, GA, WI, WA, MI, FL, CO, CA, PR, MA, HI, SC, NY, VT, PA, NC, NJ, AZ, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1265248
NMLS#: 1265248
About Gladys Dowd
Gladys Dowd is a Portfolio Associate at Morgan Stanley. She began her career in January 1992 at Smith Barney and has evolved during various mergers. Throughout the years, she has obtained multiple licenses in the financial industry.
In addition to assisting Roxana and Ricardo with all phases of financial services, she oversees the daily operational functions for the Machado Group.
Gladys received her bachelor’s degree in Business Administration from the University of Florida in December 1991. She lives in Miami with her husband and daughter. She enjoys reading, practicing yoga and spending time with her family.
In addition to assisting Roxana and Ricardo with all phases of financial services, she oversees the daily operational functions for the Machado Group.
Gladys received her bachelor’s degree in Business Administration from the University of Florida in December 1991. She lives in Miami with her husband and daughter. She enjoys reading, practicing yoga and spending time with her family.
Contact Roxana Machado
Contact Ricardo Machado
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Article Image
Ready to start a conversation? Contact The Machado Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
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.
6When 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.
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 and other legal matters.
8Morgan 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13When 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.
14Morgan 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.
15When 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.
16When 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.
17Morgan 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.
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
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
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.
6When 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.
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 and other legal matters.
8Morgan 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13When 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.
14Morgan 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.
15When 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.
16When 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.
17Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
