Phone:
(212) 643-5836(212) 643-5836
The Madison Square Group at Morgan Stanley
Direct:
(212) 613-6722(212) 613-6722
Direct:
(212) 643-5836(212) 643-5836
Our Mission Statement
Personalized wealth planning strategies for your life, family, and legacy. Delivering high quality service with a wide array of customized investment solutions that assist you in reaching your financial dreams.
Our Story and Services
The Madison Square Group at Morgan Stanley offers a comprehensive wealth management advisory practice, with decades of experience. We work with likeminded individuals, families, and businesses through virtually all their unique challenges. We are dedicated to building long-lasting relationships, earning trust by personal communication, and creating forward-thinking and customized financial planning strategies. We also want to work alongside our clients accountants and attorneys to help ensure that our clients investments consider tax efficiency, as well as long-term plans for their family and legacy.
Our clients turn to our team because they are busy with their life’s priorities, and are confident in our abilities to navigate the financial world. We pride ourselves in exceptional client service and helping to ensure all our clients' financial needs are met. Most of all, our clients know that we truly care and have their best interests in mind.
Our clients turn to our team because they are busy with their life’s priorities, and are confident in our abilities to navigate the financial world. We pride ourselves in exceptional client service and helping to ensure all our clients' financial needs are met. Most of all, our clients know that we truly care and have their best interests in mind.
Services Include
- Retirement PlanningFootnote1
- Divorce Financial AnalysisFootnote2
- Estate Planning StrategiesFootnote3
- Trust AccountsFootnote4
- Long Term Care InsuranceFootnote5
- LGBT+ Planning ServicesFootnote6
- Business PlanningFootnote7
- Sustainable InvestingFootnote8
- 401(k) Rollovers
- Planning for Individuals with Special Needs and their Families
- Planning for Education FundingFootnote9
- Cash Management and Lending ProductsFootnote10
- AnnuitiesFootnote11
- Life InsuranceFootnote12
- Philanthropic ManagementFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What We Value
These are some examples of values that we believe are necessary to have in our relationships with our clients to see the most success.
Relationship Oriented
We really prioritize our relationship with our clients. We believe that trust and getting to know someone personally is the first step. We try to always see our clients in person and have that face to face connection.
Problem Solving
Financial Problems can become the largest weight on someone's shoulders. Added to the fact that people have many other problems weighing them down. We look to help solve not only your financial problems, but help relieve that weight however we can. There is no reason to be facing your financial life alone. We are here to guide, educate and assist any way we can to help you live your most comfortable life.
Unique Service
Your situation is unique to you and only you, so why are there so many "one size fits all" things out there? We take into account as many factors as we can so our service to you is as far from cookie cutter as you can get.
Open Communication
One of the most unsung things in people's lives is having someone that tells you the things you need to hear. Sometimes those conversations are tough, but they need to be had. They have proven to provide invaluable information that benefits our clients throughout their lifetime.
The Madison Square Group Difference
At the Madison Square Group we are financial advisors with many years of experience, we have been able to gain areas of experience where our value really shines. This has allowed our process to be very adjustable and customizable to what the client's needs are.
Certified Divorce Financial Analyst®
Ashley Dour is a CDFA®. She has went through an intensive training program to become skilled in analyzing and providing assistance related to the financial issues of divorce.
*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.
*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.
Family Based Planning
We are able to create a specialized wealth plan for your life and legacy. We want to help your family every step of the way in succeeding for generations to come.
Analytical Answers
We are up for any challenge – think of us as your personal problem solvers. One thing we enjoy more than a good challenge is our clients becoming financially confident knowing they are not alone.
HER Way
HER Way's mission is simple: ENGAGE, EMBRACE, and EMPOWER women to live their best financial and personal lives. We do this by curating content and hosting regular events featuring dynamic speakers talking about the financial and personal issues that are important to women
The Process
When we work together, you benefit from personalized advice, objective guidance and dedication to your success as an investor. Our goals-based wealth management approach will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for helping build and preserve your wealth. Here we’ve outline our approach when working with you:
Step 1: Setting Your Financial Objectives
Our process begins with a detailed conversation that identifies what is truly important to you. During this meeting, we’ll ask a series of questions to provide an in-depth understanding of your personal, professional and financial situation, while educating us about your long-term investment goals, time horizon and tolerance for risk. If you own a business, we may also discuss your current cash management needs and plans for growth.
Step 2: Developing Your Strategy
From this ongoing dialogue, we’ll analyze your current situation and begin to develop specific strategies to help achieve your goals. This analysis will address income and retirement planning, investment management, strategic borrowing, wealth transfer and business succession planning. Your customized plan will also include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon.
Step 3: Implementing Your Strategy
Once you’ve approved your plan, we will begin to execute each strategy, working closely with you to help ensure each of the various elements of your plan effectively integrate with one another. Wherever appropriate, we will suggest seeking in-depth advice from professionals on particularly complex issues we’ve identified, such as estate planning and tax minimization strategies. Whatever approach we implement, we will help keep your strategy on track.
Step 4: Reviewing Your Performance
You will receive a quarterly review that outlines your portfolio’s performance, helping you track your progress. Moreover, when your personal situation or market conditions change significantly, we will suggest appropriate adjustments to your portfolio to help it remain aligned with your goals.
Legacy Planning isn't just for older people. You can consider how to provide for people and causes you care about while balancing your own goals at any age. Life happens quickly. Make it a priority to coordinate your financial and estate plans.
Location
1 Penn Plaza 43rd
Fl
New York, NY 10119
US
Direct:
(212) 613-6722(212) 613-6722
Meet The Madison Square Group
Phone:
(212) 613-6722(212) 613-6722
Valentina Ciraolo
Client Service Associate
Phone:
(212) 643-5894(212) 643-5894
About Rocco V Totino
Rocco graduated St Johns University in 1980, and began his working career in the landscape / construction industry. Most of the work focused on tree planting and major park renovations for the City and State of New York through various government agencies, such as the Department of Parks, Housing and Urban Development and the Department of Highways.
Around 1995, Rocco decided to make a career change into the securities industry. However, before Rocco began his new path in life, he enrolled in a Security Analysis program at the New York Institute of Finance. He completed the 3-year program in half that time. There he was trained by seasoned Wall Street professionals in the three major disciplines of financial research, specifically, fundamental, quantitative, and technical security analysis. In 2011, Rocco achieved one of his industry’s most prominent designations, that of CERTIFIED FINANCIAL PLANNER™ professional.
As his career continued to grow, he also achieved the title of First Vice President and Portfolio Manager at Morgan Stanley.
Rocco began partnering with Associate Vice President, Ashley F. Dour, in 2016. They created The Madison Square Group at Morgan Stanley, to ensure they give every client exceptional client service and expertise.
Personal Background:
Though Rocco was born and grew up in Queens, New York, he now resides with his wife in Yorktown Heights in Westchester County, NY. In his free time, he loves vegan cooking, biking, hiking, sports, astronomy, science, and traveling. Of the places he has visited, the two weeks he spent in the Amazon jungles of Peru in 1993 has been the most memorable experience of his life. Other places he has been to include Italy, Switzerland, England, Scotland, France, Venezuela, Puerto Rico, and covering virtually all states up and down the East and West coasts of America…with a few other states in between.
Certifications: CERTIFIED FINANCIAL PLANNER™, Portfolio Manager, Certificate of Security Analysis, Series 7, Series 65, Series 63, Life Insurance Agent (Whole, Term, Variable & Annuities), NMLS#: 1321592
Around 1995, Rocco decided to make a career change into the securities industry. However, before Rocco began his new path in life, he enrolled in a Security Analysis program at the New York Institute of Finance. He completed the 3-year program in half that time. There he was trained by seasoned Wall Street professionals in the three major disciplines of financial research, specifically, fundamental, quantitative, and technical security analysis. In 2011, Rocco achieved one of his industry’s most prominent designations, that of CERTIFIED FINANCIAL PLANNER™ professional.
As his career continued to grow, he also achieved the title of First Vice President and Portfolio Manager at Morgan Stanley.
Rocco began partnering with Associate Vice President, Ashley F. Dour, in 2016. They created The Madison Square Group at Morgan Stanley, to ensure they give every client exceptional client service and expertise.
Personal Background:
Though Rocco was born and grew up in Queens, New York, he now resides with his wife in Yorktown Heights in Westchester County, NY. In his free time, he loves vegan cooking, biking, hiking, sports, astronomy, science, and traveling. Of the places he has visited, the two weeks he spent in the Amazon jungles of Peru in 1993 has been the most memorable experience of his life. Other places he has been to include Italy, Switzerland, England, Scotland, France, Venezuela, Puerto Rico, and covering virtually all states up and down the East and West coasts of America…with a few other states in between.
Certifications: CERTIFIED FINANCIAL PLANNER™, Portfolio Manager, Certificate of Security Analysis, Series 7, Series 65, Series 63, Life Insurance Agent (Whole, Term, Variable & Annuities), NMLS#: 1321592
Securities Agent: IN, FL, DE, KY, WV, SC, VT, NY, MI, MA, ME, IL, CA, TN, NM, VA, GA, DC, CT, AZ, OR, NJ, MO, TX, PA, MD, HI, CO, WA, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1321592
NMLS#: 1321592
About Ashley F. Dour
Ashley began at Morgan Stanley in 2010, and has dedicated her career to helping individuals, families, and businesses achieve and maintain their financial success. Ashley accomplished not only the designation of a CERTIFIED FINANCIAL PLANNER™, but she also worked to achieve her Certified Divorce Financial Analyst® designation to advocate for divorcing clients. Ashley also earned the accreditation for Portfolio Manager at Morgan Stanley.
Ashley began partnering with First Vice President, Rocco Totino, in 2016. They created The Madison Square Group at Morgan Stanley, to help ensure they give every client exceptional client service and dedication.
More recently, Ashley joined the HER Way at Morgan Stanley initiative. HER Way’s mission is simple: ENGAGE, EMBRACE and EMPOWER women to live their best possible financial and personal lives. We do this by curating content and hosting regular events featuring dynamic speakers talking about the financial and personal issues that are important to women. We are committed to help even more women MAKE IT, SAVE IT and ENJOY IT.
Want to learn more? E-mail ashley.dour@morganstanley.com to be added to our HER Way invite list for upcoming events.
Personal Background:
Ashley grew up in Glen Rock, New Jersey until she went to Manhattan College where she received her bachelor’s degree. Ashley then moved to Westchester, New York and currently resides in Rye. In her free time, she enjoys traveling, snowboarding, yoga and getting involved in animal rescue.
Certifications: CERTIFIED FINANCIAL PLANNER™, Certified Divorce Financial Analyst®, Portfolio Manager, Series 7, Series 66, Life Insurance Agent (Whole, Term, Variable & Annuities), NMLS#: 127467
Ashley began partnering with First Vice President, Rocco Totino, in 2016. They created The Madison Square Group at Morgan Stanley, to help ensure they give every client exceptional client service and dedication.
More recently, Ashley joined the HER Way at Morgan Stanley initiative. HER Way’s mission is simple: ENGAGE, EMBRACE and EMPOWER women to live their best possible financial and personal lives. We do this by curating content and hosting regular events featuring dynamic speakers talking about the financial and personal issues that are important to women. We are committed to help even more women MAKE IT, SAVE IT and ENJOY IT.
Want to learn more? E-mail ashley.dour@morganstanley.com to be added to our HER Way invite list for upcoming events.
Personal Background:
Ashley grew up in Glen Rock, New Jersey until she went to Manhattan College where she received her bachelor’s degree. Ashley then moved to Westchester, New York and currently resides in Rye. In her free time, she enjoys traveling, snowboarding, yoga and getting involved in animal rescue.
Certifications: CERTIFIED FINANCIAL PLANNER™, Certified Divorce Financial Analyst®, Portfolio Manager, Series 7, Series 66, Life Insurance Agent (Whole, Term, Variable & Annuities), NMLS#: 127467
Securities Agent: WV, KY, TN, NC, GA, WA, SC, NY, NM, MI, MD, IL, VA, IN, NJ, ME, CO, CA, PA, FL, DE, CT, VT, TX, MO, MA, HI, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1274676
NMLS#: 1274676
About Valentina Ciraolo
Valentina was born and raised in Italy and moved to United States in 2018. She has worked in a variety of financial services and managerial roles throughout her career. She received her master’s degree in economics innovation technology and her bachelor’s degree in economics and finance at La Sapienza University of Rome, Italy. She is Bilingual in Italian and fluent in Spanish.
Valentina brings a wealth of experience and passion for delivering exceptional client service. We are confident that Valentina’s diligence and commitment to client satisfaction will further strengthen our ability to provide you with outstanding client benefits.
Valentina currently resides Jersey City, New Jersey and in her free time loves to go to the gym, dance bachata, travel, read motivational books, and trying new wines as she is a certified Italian Sommelier.
Valentina brings a wealth of experience and passion for delivering exceptional client service. We are confident that Valentina’s diligence and commitment to client satisfaction will further strengthen our ability to provide you with outstanding client benefits.
Valentina currently resides Jersey City, New Jersey and in her free time loves to go to the gym, dance bachata, travel, read motivational books, and trying new wines as she is a certified Italian Sommelier.
Contact Rocco V Totino
Contact Ashley F. Dour
Wealth Management
From Our Team
4.25% ANNUAL PERCENTAGE YIELD (APY) PREFERRED SAVINGS PROGRAM
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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Ready to start a conversation? Contact The Madison Square 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.
1When 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.
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 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
8The 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9When 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.
10Morgan 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
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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
1When 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.
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 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
8The 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9When 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.
10Morgan 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
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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
CRC 6491812 (04/2024)
