Jim Maher
Senior Vice President, Financial Advisor, Family Wealth Advisor
Phone:
(707) 441-3408(707) 441-3408
The Redwood Legacy Group at Morgan Stanley
Direct:
(707) 445-2014(707) 445-2014
Our Mission Statement
Providing comprehensive wealth planning strategies through sharp dedication and experience for your life, legacy and prosperity.
What We Do
Here at the Redwood Legacy Group we are no stranger to the addressing of complex financial needs as well as the routine, pivotal financial events that arise in our clients' lives.
Whether you are planning for retirement, trying to determine how to fund college, adding a member to the family, purchasing a new home or selling a business, Morgan Stanley and The Redwood Legacy Group have an incredible breadth of tools, resources and experience to help you to not only reach your financial goals, but set the stage for prosperity for generations to come.
Together we have developed a personalized approach to the wealth management process with a standard of care that is customized for each client and family’s situation.
Our team serves:
•Highly Compensated Individuals who are in need of financial planning, retirement planning, and strategies for tax efficient growth.
•Successful families with moderate to complex needs and a desire to grow, transfer, and use their wealth efficiently.
•Small businesses who seek guidance in retirement plans, debt and cash management.
Some of the groups we focus on are:
•Physicians and others who work in medical services
•Attorneys, CPAs and other professionals
•Business owners
•Affluent families and individuals
Whether you are planning for retirement, trying to determine how to fund college, adding a member to the family, purchasing a new home or selling a business, Morgan Stanley and The Redwood Legacy Group have an incredible breadth of tools, resources and experience to help you to not only reach your financial goals, but set the stage for prosperity for generations to come.
Together we have developed a personalized approach to the wealth management process with a standard of care that is customized for each client and family’s situation.
Our team serves:
•Highly Compensated Individuals who are in need of financial planning, retirement planning, and strategies for tax efficient growth.
•Successful families with moderate to complex needs and a desire to grow, transfer, and use their wealth efficiently.
•Small businesses who seek guidance in retirement plans, debt and cash management.
Some of the groups we focus on are:
•Physicians and others who work in medical services
•Attorneys, CPAs and other professionals
•Business owners
•Affluent families and individuals
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR COMPREHENSIVE WEALTH MANAGEMENT SERVICES & PROVIDING TIMELY ADVICE FOR WHAT MATTERS
We take an all encompassing approach to all things financial, managing the complexities of your wealth all under one roof. As your life unfolds and your needs evolve, our seven financial pillars have been designed to address every aspect of your financial life.
From buying a home and sending kids to college to enjoying retirement and leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies. Here are just a few of the questions we help our clients answer every day.
From buying a home and sending kids to college to enjoying retirement and leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies. Here are just a few of the questions we help our clients answer every day.
Wealth Management
Life is constantly changing. How do I safeguard my future, knowing certain events can alter my plans?
Financial Planning
I have so many things I want to do with my life. How can one strategy balance them all?
Portfolio Management
Am I taking on too much risk in my portfolio? Are my investments set up for success?
Alternative Investments
When does it make sense to add alternative investments (such as real estate or gold) to my investment strategy?
Cash Management
I can predict some, but not all of my expenses. How do I invest for the future, but have the cash on hand I need for today?
Lending Services
Are there ways to generate cash flow without liquidating my securities and incurring taxes?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle?
Executive Financial Services
As a leader at my company, I receive many benefits. How do I make sure I am optimizing them effectively? How much of my personal investments should be tied to my company?
Legacy Planning Strategies
Making sure my estate goes to the people and organizations I care about is important to me. How do I leave a lasting legacy?
Philanthropic Services
The organizations I support are extremely important to me – how do I maximize my support to them?
A Wealth Management Strategy as Individual as You Are
Our process at The Redwood Legacy Group can help you take charge of your financial future and achieve your goals.
Step 1: Set your Financial Objectives
Set Your Financial Objectives
- Help you develop an investment strategy
- Strategy is based on your:
- Specific Goals
- Time horizon
- Tolerance for risk
- Appetite for market volatility
- Help you develop an investment strategy
- Strategy is based on your:
- Specific Goals
- Time horizon
- Tolerance for risk
- Appetite for market volatility
Step 2: Define an Investment Strategy
- Asset allocation recommendation
- Model and portfolio construction
- Part of a diversified investment strategy
- Model and portfolio construction
- Part of a diversified investment strategy
Step 3: Evaluate and Select Investments
- Implementation of asset allocation strategy
- Investment selection based on your best interests
- Investment selection based on your best interests
Step 4: Ongoing Review Process
- Assessment of your investment performance
- Make appropriate adjustments
- Adapt strategy to changes in your personal and professional life
- Make appropriate adjustments
- Adapt strategy to changes in your personal and professional life
Modern Wealth Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we offer our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Total Wealth Tool
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online and Total Wealth View, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place
Learn More About the Total Wealth Tool
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get started today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Learn more about the Portfolio Risk PlatformWealth of Knowledge
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Financial Literacy for Any Stage of Your Life
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.
Learn More
Estate Planning Essentials: 7 Key Steps
You've worked hard to build wealth. Not it's time to protect your legacy.
Creating an estate plan can help protect your wealth and prevent hardship for your heirs. Take stock and consider your options in this 7-Step Estate Planning Checklist.
Learn MoreCreating an estate plan can help protect your wealth and prevent hardship for your heirs. Take stock and consider your options in this 7-Step Estate Planning Checklist.
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Read More Here
Investor Resource: 30 for 2025 (Quality Stocks for a Long-Term Holding Period)
Morgan Stanley researchers offer a cornerstone firm analysis, '30 for 2025': Our best long-term picks based on the sustainability and quality of the
business model, and opportunity to widen their competitive
advantage.
Read More Herebusiness model, and opportunity to widen their competitive
advantage.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest Report
On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
Thoughts On the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace
Listen to the Latest Episode HereLocation
2421 Buhne Street
Eureka, CA 95501
US
Direct:
(707) 445-2014(707) 445-2014
Meet The Redwood Legacy Group
Keenan H Pool, CFP®
Vice President, Financial Advisor
Phone:
(707) 441-3409(707) 441-3409
Jason Barr, QPFC
Vice President, Financial Advisor
Phone:
(707) 441-3425(707) 441-3425
Seth Schulze
Financial Advisor, Financial Planning Specialist
Phone:
(707) 269-9128(707) 269-9128
Kristen Gaser
Client Service Associate
Phone:
(707) 269-9133(707) 269-9133
Anjalina Patel
Client Service Associate
Phone:
(707) 441-3403(707) 441-3403
Dannielle Greco
Registered Client Service Associate
Phone:
(707) 441-3402(707) 441-3402
About Jim Maher
Joining Morgan Stanley in July of 2000, Jim Maher has spent several decades with the firm and has more than 30 years of experience as a financial advisor. Throughout his career, Jim has obtained a number of professional certifications including the Series 3, 7, 8, 63, 65, as well as being registered in 36 states.
Along with other members of the Redwood Legacy Team, Jim works with clients to understand their specific circumstances, using this knowledge to develop a plan to meet their financial objectives while incorporating their goals, time horizon, and risk tolerance. Jim also recognizes that investment decisions must take into consideration the importance of estate and tax planning. As a result, he coordinates with his clients’ CPAs and attorneys on these matters.
A graduate of the University of Iowa, Jim received a Bachelor’s Degree in General Studies. Jim also attended American College of Financial Services, where he received a Master’s of Science in Management.
Jim is a very involved member of his community. He has served as a board member for the Jacoby Creek School District and Hospice of Humboldt. He is also a former President of the College of the Redwoods Foundation Board, and a former member of the Chief’s Advisory Panel for the Eureka Police Department.
Outside of work, Jim and his wife Joni enjoy spending time with their daughters Allie and Jamie, as well as their two dogs Marley and Brody. Other interests of Jim include running, cycling, cooking, and reading. He is also a member of San Diego Ultra Running Friends (SURF).
Along with other members of the Redwood Legacy Team, Jim works with clients to understand their specific circumstances, using this knowledge to develop a plan to meet their financial objectives while incorporating their goals, time horizon, and risk tolerance. Jim also recognizes that investment decisions must take into consideration the importance of estate and tax planning. As a result, he coordinates with his clients’ CPAs and attorneys on these matters.
A graduate of the University of Iowa, Jim received a Bachelor’s Degree in General Studies. Jim also attended American College of Financial Services, where he received a Master’s of Science in Management.
Jim is a very involved member of his community. He has served as a board member for the Jacoby Creek School District and Hospice of Humboldt. He is also a former President of the College of the Redwoods Foundation Board, and a former member of the Chief’s Advisory Panel for the Eureka Police Department.
Outside of work, Jim and his wife Joni enjoy spending time with their daughters Allie and Jamie, as well as their two dogs Marley and Brody. Other interests of Jim include running, cycling, cooking, and reading. He is also a member of San Diego Ultra Running Friends (SURF).
Securities Agent: AZ, CA, CO, CT, FL, ID, IL, KS, MA, MD, MI, MN, MO, MS, MT, NC, NE, NV, NY, OH, OR, PA, SD, TN, TX, UT, VA, WA, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 312006
CA Insurance License #: 0810553
NMLS#: 312006
CA Insurance License #: 0810553
About Keenan H Pool
Keenan Pool is an experienced investment professional in the financial services sector, holding certifications such as Series 7, 66, Portfolio Manager, CFP, Financial Planning Specialist, and a CA Insurance License. He is a key member of the Redwood Legacy Team, where he focuses on addressing complex financial needs of clients, offering personalized planning in collaboration with his team.
Keenan earned a bachelor’s degree in computer information systems from Humboldt State University and a Financial Planning Certificate from Boston University, skills he applies in investment analysis and financial modeling.
Residing in Eureka with his wife Arianne and their two daughters, Keenan enjoys family time, camping, and travel. He is deeply committed to the community, having served on the Humboldt State University College of Professional Studies advisory board and the Eureka Symphony Board of Directors.
Keenan earned a bachelor’s degree in computer information systems from Humboldt State University and a Financial Planning Certificate from Boston University, skills he applies in investment analysis and financial modeling.
Residing in Eureka with his wife Arianne and their two daughters, Keenan enjoys family time, camping, and travel. He is deeply committed to the community, having served on the Humboldt State University College of Professional Studies advisory board and the Eureka Symphony Board of Directors.
Securities Agent: FL, AZ, CA, CO, CT, ID, IL, KS, MA, MD, MI, MN, MO, MT, NC, NE, NV, NY, OH, OR, PA, SD, TN, TX, UT, VA, WA, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1262165
CA Insurance License #: 0H80844
NMLS#: 1262165
CA Insurance License #: 0H80844
About Jason Barr
Since joining Morgan Stanley in 2002, Jason Barr has amassed a wealth of experience in the financial services industry. During his career he has earned several certifications, including becoming a Qualified Plan Financial Consultant “QPFC” the Series 7, 9, 10, 63, 65, and holds a CA insurance license, showcasing his dedication to professional growth.
At the heart of the Redwood Legacy Team, Jason plays an instrumental role in guiding clients towards the growth and preservation of their wealth. He focuses on the intricacies of Corporate and Individual retirement plans, alongside the strategic design of long-term investment portfolios.
Outside the office, Jason finds joy and balance in his personal life. He relishes time spent in Willow Creek with his wife and three sons. His commitment to his community is profound, with 17 years of active involvement in non-profit organizations and serving on school boards, highlighting his deep dedication to enriching and supporting the community around him.
At the heart of the Redwood Legacy Team, Jason plays an instrumental role in guiding clients towards the growth and preservation of their wealth. He focuses on the intricacies of Corporate and Individual retirement plans, alongside the strategic design of long-term investment portfolios.
Outside the office, Jason finds joy and balance in his personal life. He relishes time spent in Willow Creek with his wife and three sons. His commitment to his community is profound, with 17 years of active involvement in non-profit organizations and serving on school boards, highlighting his deep dedication to enriching and supporting the community around him.
Securities Agent: SC, TN, TX, UT, VA, VT, WA, WI, SD, AK, AL, DC, DE, HI, IA, KY, LA, ME, NH, NJ, OK, VI, WV, WY, AR, AZ, CA, CO, CT, FL, GA, ID, IL, IN, KS, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NM, NV, NY, OH, OR, PA, PR, RI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 629482
CA Insurance License #: California Insurance License # 0D72061
NMLS#: 629482
CA Insurance License #: California Insurance License # 0D72061
About Seth Schulze
Seth Schulze, a dynamic financial services professional since 2015, joined Morgan Stanley in 2023 after gaining experience as a Private Client Banker at JPMorgan Chase. With a thorough understanding of the financial industry and community needs, Seth holds Series 6, 7, 63, 66 licenses, and a CA insurance license.
As part of the Redwood Legacy Team, he is known for crafting personalized financial strategies to navigate life's uncertainties, striving to ensure each plan aligns with the individual needs of clients. As Humboldt County native, Seth was part of the inaugural class of Academy of the Redwoods, where he delved into college-level economics during the Great Recession, sparking his interest in finance. He graduated from California Baptist University with double honors in History and Political Science.
Outside of work, Seth, his wife Rypley, and their daughter cherish life in Humboldt County, enjoying beach visits, cooking, camping, and walks with their dog, Duncan.
As part of the Redwood Legacy Team, he is known for crafting personalized financial strategies to navigate life's uncertainties, striving to ensure each plan aligns with the individual needs of clients. As Humboldt County native, Seth was part of the inaugural class of Academy of the Redwoods, where he delved into college-level economics during the Great Recession, sparking his interest in finance. He graduated from California Baptist University with double honors in History and Political Science.
Outside of work, Seth, his wife Rypley, and their daughter cherish life in Humboldt County, enjoying beach visits, cooking, camping, and walks with their dog, Duncan.
Securities Agent: KS, MO, UT, IN, PA, NV, CO, WA, IL, ID, WY, AZ, SD, OR, OH, HI, NY, MN, MA, FL, CT, NC, MD, VA, TX, TN, MT, CA, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1447088
NMLS#: 1447088
About Anjalina Patel
With Morgan Stanley since October of 2020, Anjalina joined the company as a Client Service Associate. Before joining the firm, she worked for over three years at different local financial institutions, gaining valuable knowledge about the banking industry. She is excited to help assist the Redwood Legacy Team with their client’s financial needs.
Anjalina attended Humboldt State University, where she graduated in 2017 with a Bachelor of Arts Degree in Business Management.
In her spare time Anjalina enjoys spending time with family and friends and traveling to new places around the world. Other interests include learning how to cook and going to live music shows. Within her community, Anjalina is member of Lost Coast Rotaract.
Anjalina attended Humboldt State University, where she graduated in 2017 with a Bachelor of Arts Degree in Business Management.
In her spare time Anjalina enjoys spending time with family and friends and traveling to new places around the world. Other interests include learning how to cook and going to live music shows. Within her community, Anjalina is member of Lost Coast Rotaract.
About Dannielle Greco
With a strong background in higher education administration, Dannielle Greco brings over a decade of experience in cultivating meaningful relationships and guiding clients toward their financial goals. Joining the Redwood Legacy Team at Morgan Stanley in 2024, Dannielle values understanding what matters most to her clients and is dedicated to empowering them to live their best financial lives.
A native of Oregon’s Willamette Valley and now a recent resident of Eureka, Dannielle is passionate about community and personal connections. She holds Series 7 and Series 66 licenses, along with a California Notary Public certification. She completed her studies in Cross-Cultural Studies and Leadership at Simpson University in Redding, CA.
Outside the office, Dannielle enjoys traveling, hiking, backpacking, cooking, and live entertainment. As she settles into the Eureka area, she looks forward to discovering more of the region’s offerings.
A native of Oregon’s Willamette Valley and now a recent resident of Eureka, Dannielle is passionate about community and personal connections. She holds Series 7 and Series 66 licenses, along with a California Notary Public certification. She completed her studies in Cross-Cultural Studies and Leadership at Simpson University in Redding, CA.
Outside the office, Dannielle enjoys traveling, hiking, backpacking, cooking, and live entertainment. As she settles into the Eureka area, she looks forward to discovering more of the region’s offerings.
Contact Jim Maher
Contact Keenan H Pool
Contact Jason Barr
Contact Seth Schulze
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Sue Callantine
Private Banker
About Sue Callantine
Sue Callantine is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Sue began her career in financial services in 1997, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, she was a Private Banker at Bank of the West. She also served as a Private Banker at Wells Fargo Bank, N.A. and Bank of America.
Sue is a graduate of the University of Alaska Anchorage, where she received a Bachelor of Business Administration in Management. She lives in Orangevale, California with her husband. Outside of the office, Sue enjoys gardening, reading and traveling. She also serves on the Hope Gala Board of Ambassadors for the American Cancer Society.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Sue began her career in financial services in 1997, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, she was a Private Banker at Bank of the West. She also served as a Private Banker at Wells Fargo Bank, N.A. and Bank of America.
Sue is a graduate of the University of Alaska Anchorage, where she received a Bachelor of Business Administration in Management. She lives in Orangevale, California with her husband. Outside of the office, Sue enjoys gardening, reading and traveling. She also serves on the Hope Gala Board of Ambassadors for the American Cancer Society.
NMLS#: 619891
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?
Article Image
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
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 Redwood Legacy Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2Morgan Stanley 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Municipal 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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7The 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2Morgan Stanley 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Municipal 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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7The 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.
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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)
