Scott Mahoney, CPWA®
Managing Director, Private Wealth Management, Private Wealth Advisor, Family Wealth Director, Lending Specialist
Phone:
(973) 425-8547(973) 425-8547
Morgan Stanley Private Wealth Management
The Mahoney Team
Direct:
(866) 932-3032(866) 932-3032
Our Mission Statement
A boutique group within a global firm, Private Wealth Management is optimized to serve ultra high net worth individuals, families and foundations.
Welcome
The Mahoney Team has built our business by investing time to get to know our clients and by developing strategies to meet their specific needs. Since our clients have come to wealth in their own unique ways, we use customized investment strategies that seek to complement their unique situations and personal objectives.
Our team further seeks to enhance this integral part of our clients’ lives by educating and informing them of their financial performance every step of the way. Our team shares a passion for investment excellence and client service, complementing Scott’s experience in designing wealth management strategies that enable clients to navigate both risk and opportunities with confidence.
As a Private Wealth Advisor, Scott actively manages money for successful families, business owners and corporate executives, and confers regularly with their professional advisors to make financial planning more coordinated and effective.
See the “Meet The Mahoney Team” section below to learn more about our team members. We welcome the opportunity to tell you more about our diverse wealth management capabilities and services.
Our team further seeks to enhance this integral part of our clients’ lives by educating and informing them of their financial performance every step of the way. Our team shares a passion for investment excellence and client service, complementing Scott’s experience in designing wealth management strategies that enable clients to navigate both risk and opportunities with confidence.
As a Private Wealth Advisor, Scott actively manages money for successful families, business owners and corporate executives, and confers regularly with their professional advisors to make financial planning more coordinated and effective.
See the “Meet The Mahoney Team” section below to learn more about our team members. We welcome the opportunity to tell you more about our diverse wealth management capabilities and services.
Capabilities
- Pre-Liquidity Planning
- Business Succession PlanningFootnote1
- Business PlanningFootnote2
- Wealth ManagementFootnote3
- Professional Portfolio ManagementFootnote4
- Alternative InvestmentsFootnote5
- Retirement PlanningFootnote6
- Trust AccountsFootnote7
- Asset Management
- Endowments and FoundationsFootnote8
- Estate Planning StrategiesFootnote9
- Financial PlanningFootnote10
- Fixed IncomeFootnote11
- Lending Products
- Life InsuranceFootnote12
- Municipal BondsFootnote13
- Structured ProductsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, December, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Core Capabilities
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Legacy & Estate Planning Strategies
We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process- at your request we will coordinate with your legal tax advisors as well.
Estate Planning Questionnaire
Philanthropy Management
We provide our clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
Learn More About GIFT
Investment Advisory
Manage your investments within a holistic advisory relationship and take advantage of integrated tax, risk management and estate planning benefits across your entire wealth strategy—backed by leading insights and one of the financial industry's most comprehensive, multi-award-winning advisory platforms.
Capital Markets
An integrated organization across fixed income, equities, and structured investments leveraging the thought leadership of Morgan Stanley Research and dedicated product specialists to identify key investment opportunities to help enhance the growth potential of diversified portfolios.
Awards & In the Press
Over the years, Scott has been recognized by financial publications such as Forbes and Barron's as one of the top wealth advisors in the country. Below is a compilation of his awards and public appearances.
Forbes Recognition
2023 & 2024 Forbes Best-In-State Wealth Management Teams
2023 & 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023,2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2022, 2023, 2024 Forbes America's Top Wealth Advisors
2022, 2023, 2024 Forbes America's Top Wealth Advisors
Source: Forbes.com (2022,2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Scott's Forbes Profile2023 & 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023,2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2022, 2023, 2024 Forbes America's Top Wealth Advisors
2022, 2023, 2024 Forbes America's Top Wealth Advisors
Source: Forbes.com (2022,2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Barron's
2024 Barron's Top 250 Private Wealth Management Teams
Barron's Top 250 Private Wealth Management Teams
Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
2022, 2023 & 2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
2022, 2023, 2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2022, 2023, 2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Scott's Barron's ProfileBarron's Top 250 Private Wealth Management Teams
Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
2022, 2023 & 2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
2022, 2023, 2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2022, 2023, 2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Interview with FOX Business
Scott sits down with FOX Business to discuss clients' fears and distractions, and the advice he gives them on investing.
Watch Video
Interview with John Bowen, Founder & CEO of CEG Worldwide
Scott is interviewed by John Bowen, Founder & CEO of CEG Worldwide, to discuss his background, as well as how he approaches client relationships.
Watch Video
NJBIZ: Featured Article
In this featured article, Scott discusses how he finds new investors.
Read More
Complete List of Scott's Appearances
See below for a complete list of Scott's public appearances.
See MoreClient Resources
Morgan Stanley Online
Morgan Stanley Online 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 eAuthorization.
View Account
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you’ll benefit from more informed wealth planning, secure data access and convenient connectivity.
Access Total Wealth View
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents such as wills, financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Vault Access
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Access Tool
Mobile Check Deposit
With the mobile app, you can use mobile check deposit to quickly deposit checks drawn on a U.S. bank anytime, anywhere from your device with some of the highest deposit limits in the industry.
Learn More
Online Transfers with eAuthorizations
Electronically authorize domestic and international one-time or recurring transactions through Morgan Stanley Online and the mobile app.
Learn More
CashPlus
Enjoy unlimited ATM fee rebates worldwide with the Morgan Stanley Debit Card, along with no foreign transaction fees, no cash advance fees, unlimited check writing, and more.
Learn More
Reserved Living and Giving
Reserved Living & Giving is a complimentary loyalty program available to clients with a minimum of $2M in AUM, that can help them save time and money on travel, gifts, automobiles and more.
Learn More
Morgan Stanley Signature Access
Morgan Stanley's Signature Access program connects qualified clients to a carefully selected network of professionals who can craft custom solutions for your family's exceptional needs such as Aircraft Advisory, Private Health Advisory, Cybersecurity, and bespoke travel services.
Location
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(866) 932-3032(866) 932-3032
1585 Broadway
21st Floor
New York, NY 10036
US
Direct:
(866) 932-3032(866) 932-3032
444 S. Flower Street
34th Floor
Los Angeles, CA 90071
US
Direct:
(866) 932-3032(866) 932-3032
Meet The Mahoney Team
Brian Norton
Vice President, Chief Operating Officer
Phone:
(973) 425-2368(973) 425-2368
Brian Costa
Assistant Vice President, Chief of Staff
Phone:
(973) 425-2314(973) 425-2314
Dorothea Accetta
Assistant Vice President, Wealth Management Associate
Phone:
(866) 932-3032(866) 932-3032
Beverly Mahon
Senior Client Service Associate
Phone:
(973) 425-2394(973) 425-2394
Stephanie Ashley
Registered Client Service Associate
Phone:
(973) 425-8521(973) 425-8521
Marc Hall
Wealth Management Associate
Phone:
(973) 425-2351(973) 425-2351
Jessica Corazza
Client Service Associate
Phone:
(973) 425-2393(973) 425-2393
Oliver Kearns
Registered Client Service Associate
Phone:
(973) 425-3892(973) 425-3892
Kevin O'Neill, CFP
Vice President, Wealth Planning Specialist
Phone:
(973) 425-2353(973) 425-2353
Philip Sifakis, CMT, CFA
Assistant Vice President, Portfolio Management Associate
Phone:
(973) 425-2304(973) 425-2304
About Scott Mahoney
Scott received his first education in wealth management from the passenger seat of a 1976 Econoline van. Starting from the age of 9 until he began his advisory career, Scott worked with his dad and witnessed firsthand the challenges and sacrifices small business owners face in order to grow a business and provide for their families.
As a Private Wealth Advisor and Founder of The Mahoney Team, Scott evolved those lessons learned with his father into his own unique framework of Wealth Management:
• Creating a personalized strategy to help grow and enhance wealth
• Striving for protection against wealth erosion
• Systematically transferring wealth in a smart and effective manner
• Using wealth to impact family and community
Many entrepreneurs and small business owners have a significant amount of their total wealth embedded in their businesses. Scott’s success has been built by helping these clients make the transition into a more liquid wealth profile by:
• Providing a method to unlock wealth created in private companies at different stages of their lifecycles
• Offering stewardship during the transition process and working closely with their accountants and estate planning attorneys
• Managing their newly created liquid wealth
• Providing access to unique investment opportunities
Over the past three decades, Scott has focused on and built his team around issues that impact executives and private business owners, women who are in control of their wealth, and private market investors.
He has published several white papers exploring topics important to entrepreneurs such as business ownership structures, business exit strategies, and enterprise value-enhancement methods. His commentary has also been featured in various media outlets including print publications like Worth Magazine and Business Owner Magazine, and live interviews on FOX Business.
Within his community Scott is involved with the Hudson Farm Foundation and he serves on the board at Birth Haven. Scott is a graduate of Rutgers University and lives in New Jersey with his wife Pamela and their three daughters.
As a Private Wealth Advisor and Founder of The Mahoney Team, Scott evolved those lessons learned with his father into his own unique framework of Wealth Management:
• Creating a personalized strategy to help grow and enhance wealth
• Striving for protection against wealth erosion
• Systematically transferring wealth in a smart and effective manner
• Using wealth to impact family and community
Many entrepreneurs and small business owners have a significant amount of their total wealth embedded in their businesses. Scott’s success has been built by helping these clients make the transition into a more liquid wealth profile by:
• Providing a method to unlock wealth created in private companies at different stages of their lifecycles
• Offering stewardship during the transition process and working closely with their accountants and estate planning attorneys
• Managing their newly created liquid wealth
• Providing access to unique investment opportunities
Over the past three decades, Scott has focused on and built his team around issues that impact executives and private business owners, women who are in control of their wealth, and private market investors.
He has published several white papers exploring topics important to entrepreneurs such as business ownership structures, business exit strategies, and enterprise value-enhancement methods. His commentary has also been featured in various media outlets including print publications like Worth Magazine and Business Owner Magazine, and live interviews on FOX Business.
Within his community Scott is involved with the Hudson Farm Foundation and he serves on the board at Birth Haven. Scott is a graduate of Rutgers University and lives in New Jersey with his wife Pamela and their three daughters.
Securities Agent: KY, UT, WY, WV, WA, TX, MA, PA, VT, WI, VI, TN, OH, MS, SC, RI, PR, MI, MN, NC, VA, ND, NJ, SD, NE, NV, NY, MD, OR, OK, ME, NM, CT, HI, NH, IA, IN, MT, ID, MO, KS, FL, LA, CO, IL, GA, AR, DE, CA, DC, AZ, AL, AK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278574
NMLS#: 1278574
About Brian Norton
Brian Norton joined the Mahoney Team in January 2024. During his 18-year financial services career, Brian gained exposure to various facets of the financial industry. Prior to joining the Mahoney Team, Brian spent four years on the Private Wealth Management Risk Team at Morgan Stanley’s Headquarters where he was a participating member on the Risk council. He now sits on the firms’ PWM COO council and is the only member who has served on both the Risk and COO council. Before his tenure at Morgan Stanley, Brian worked at UBS’s flag ship office in NYC, leading the Risk team and later went onto the Capital Markets Equity Trading Desk.
Brian grew up in Livingston, NJ and graduated from Fairleigh Dickinson University where he played second base for the varsity baseball team. Brian currently resides in Mahwah with his two daughters Keira and Ava. Outside of the office, Brian enjoys coaching his daughters’ soccer and t-ball teams, and spending time at the Jersey shore in the summer.
Brian grew up in Livingston, NJ and graduated from Fairleigh Dickinson University where he played second base for the varsity baseball team. Brian currently resides in Mahwah with his two daughters Keira and Ava. Outside of the office, Brian enjoys coaching his daughters’ soccer and t-ball teams, and spending time at the Jersey shore in the summer.
About Brian Costa
Brian Costa is the Chief of Staff who joined the Mahoney Team in July of 2019. He brings with him software consulting experience, having helped deliver solutions to improve the operational efficiencies of process manufacturing companies.
Brian works with team members to provide clients a tailored financial solution that meets their unique investment needs, particularly focusing on the alternative investment space. He also assists with the team’s marketing operations.
Brian graduated with a degree in economics from Princeton University. Outside of work, Brian enjoys playing soccer, as well as spending time with his family, friends, and goldendoodle.
Brian works with team members to provide clients a tailored financial solution that meets their unique investment needs, particularly focusing on the alternative investment space. He also assists with the team’s marketing operations.
Brian graduated with a degree in economics from Princeton University. Outside of work, Brian enjoys playing soccer, as well as spending time with his family, friends, and goldendoodle.
Securities Agent: SC, SD, IL, UT, DE, WY, TN, WI, AL, ND, VA, MI, WA, WV, TX, VI, KY, PR, PA, OH, OR, VT, NV, NY, MA, LA, ME, MN, RI, MS, MT, OK, NC, NH, NM, NE, NJ, IN, AR, AZ, MO, CO, CT, MD, DC, FL, KS, ID, IA, HI, GA, CA, AK; General Securities Representative; Investment Advisor Representative
About Dorothea Accetta
Dorothea is responsible for the operations management of the Greater New York team. Through a combination of marketing methods, client-management skills, and market and product knowledge, Dorothea partners with team members to address the specific needs and service issues of our clients. She meets regularly with team members to assure we are delivering world class customer service to our clients. A securities licensed representative, Dorothea has been in the financial services industry since 1982.
About Beverly Mahon
Beverly has been employed by Morgan Stanley for over 30 years. In 1990, she began her career as a Sales Assistant, who focused on client relations and account servicing. Within two years, she was promoted to the Branch Manager’s Assistant, where she worked one-on-one with the Branch Manager for the next 12 years of her career. In 2004, Beverly decided to change positions and became a Client Service Associate.
She currently serves as the Senior Client Service Associate for The Mahoney Team. Beverly’s experience, wide array of knowledge and ability to multi-task has made her a great fit. Her main job functions include: advanced operations, customer relations, account servicing, research and marketing campaigns. She assures that clients’ needs are met in a timely and efficient manner.
Beverly lives in Metuchen, New Jersey with her daughter, Domonique, and their rescued Tabby cats, Ridley and Scout.
She currently serves as the Senior Client Service Associate for The Mahoney Team. Beverly’s experience, wide array of knowledge and ability to multi-task has made her a great fit. Her main job functions include: advanced operations, customer relations, account servicing, research and marketing campaigns. She assures that clients’ needs are met in a timely and efficient manner.
Beverly lives in Metuchen, New Jersey with her daughter, Domonique, and their rescued Tabby cats, Ridley and Scout.
About Stephanie Ashley
Drawing on over 10 years of service experience with the team and over 20 years in the financial services industry, Stephanie is responsible for all on-going client service and administration tasks. This includes account opening, wires, deliveries and team operations management. Stephanie graduated from Iona College with a B.A. in Business Administration.
About Marc Hall
A recent addition to The Mahoney Team, Marc’s career in the financial services industry began in 2003. He worked for UBS Financial Services in various roles prior to relocating to Los Angeles in 2010, where he worked at a boutique investment bank as a compliance officer. He later joined Morgan Stanley in their Beverly Hills office as a Complex Risk Officer. He also served as an Administrative Manager for Merrill Lynch in their Greater Houston Complex.
Marc spent several years launching and growing an e-commerce startup prior to handing the reins to his wife and rejoining Morgan Stanley in 2022. He brings with him broad experience in the areas of compliance, risk management and operations.
He is a graduate of Rutgers University, where he received a Bachelor’s Degree in Economics.
Marc lives with his wife and two sons in Mendham, NJ.
Marc spent several years launching and growing an e-commerce startup prior to handing the reins to his wife and rejoining Morgan Stanley in 2022. He brings with him broad experience in the areas of compliance, risk management and operations.
He is a graduate of Rutgers University, where he received a Bachelor’s Degree in Economics.
Marc lives with his wife and two sons in Mendham, NJ.
About Jessica Corazza
Jessica joined The Mahoney Team in the 2023, bringing with her 20+ years of extensive and diversified experience in the financial services industry. She began her career at UBS after graduating Bucknell University with a Bachelor’s Degree in Economics. She was successful in several roles at UBS including municipal research, institutional municipal sales and institutional equity sales. Jessica was able to parlay her extensive institutional client and product understanding and experience to provide for private client needs at a local Registered Investment Advisor and now as part the Mahoney Team at Morgan Stanley.
Jessica lives with her husband and two young daughters in Convent Station, New Jersey.
Jessica lives with her husband and two young daughters in Convent Station, New Jersey.
About Oliver Kearns
Oliver Kearns joined the Mahoney Team in the Summer of 2022 as an intern and returned to the group full time upon his graduation from Notre Dame. While pursuing his studies, Oliver participated in the Notre Dame Venture Capital Club, in which he conducted diligence and invested University endowment funds in venture backed startup companies. He also supported his local South Bend community by tutoring underprivileged youth Spanish-speaking students.
Oliver is currently a Client Service Associate and supports the team’s many functions.
Oliver graduated from the University of Notre Dame with a degree in the Program of Liberal Studies and Business Economics, with a concentration in Finance. He currently resides in Manhattan and enjoys kitesurfing, skiing, and boating.
Oliver is currently a Client Service Associate and supports the team’s many functions.
Oliver graduated from the University of Notre Dame with a degree in the Program of Liberal Studies and Business Economics, with a concentration in Finance. He currently resides in Manhattan and enjoys kitesurfing, skiing, and boating.
Contact Scott Mahoney
This is a video content
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
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Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Funding Climate Action: Pathways for Philanthropy
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Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Alternative 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.
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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.
14Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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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See the Financial Advisors Biographies for Registration and Licensing information.
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Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products 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.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan 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
Awards Disclosures
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Alternative 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.
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 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan 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.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Municipal 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.
14Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products 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.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan 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
Awards Disclosures
CRC 4237142 (02/2025)
