Managing Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(630) 203-6144(630) 203-6144
SkyPointe Wealth Management Group at Morgan Stanley
Our Mission Statement
We help families grow and direct their wealth toward financial independence, lifestyle aspirations and meaningful impact.
Awarded the 2025 Forbes Best-In-State Wealth Management Teams, ranked #24 Illinois State List.
Source: Forbes.com (Awarded Jan 2025) Data Compiled By Shook Research LLC Based On Time Period From 3/31/23-3/31/24
Awarded the 2025 Forbes Best-In-State Wealth Management Teams, ranked #24 Illinois State List.
Source: Forbes.com (Awarded Jan 2025) Data Compiled By Shook Research LLC Based On Time Period From 3/31/23-3/31/24
Welcome
Concentrating on each client’s unique needs, we seek to grow, preserve, and transfer wealth. Our focus is on long-term solutions using trust, transparency, and moral integrity as our compass. Our commitment is to always put clients' interests first.
We begin with a conversation. In order to properly counsel your family or institution, we need to fully understand your background and financial situation. Using our decades of combined experience and Morgan Stanley’s global resources, we design, implement, and monitor a tailored wealth management strategy for you. We lead you through regular progress meetings and detailed performance reports. We educate to assure that you fully understand your portfolio’s risks and rewards. When needed, we involve experts from all fields necessary to assist you, your family and your business in all wealth management related advice. Our team welcomes the opportunity to begin a conversation with you.
We begin with a conversation. In order to properly counsel your family or institution, we need to fully understand your background and financial situation. Using our decades of combined experience and Morgan Stanley’s global resources, we design, implement, and monitor a tailored wealth management strategy for you. We lead you through regular progress meetings and detailed performance reports. We educate to assure that you fully understand your portfolio’s risks and rewards. When needed, we involve experts from all fields necessary to assist you, your family and your business in all wealth management related advice. Our team welcomes the opportunity to begin a conversation with you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
What Clients Are Asking: AI
It’s Everywhere! Are you ready? Artificial Intelligence (AI) is the new buzzword. How might it affect your investments, your education and your day-to-day life?
click to view
The Decades Project: Entering Your Fourties
The next video in our new series, The Decades Project, Cheryl reflects on her 40’s - preparing for unplanned events, growing your personal social network, and sharing your financial knowledge with the younger generation.
Here’s Cheryl talking about the decade of our 30’s. We hope you’ll enjoy it and pass it along.
click to viewHere’s Cheryl talking about the decade of our 30’s. We hope you’ll enjoy it and pass it along.
The Decades Project: Entering Your Thirties
The next video in our new series, The Decades Project, focuses on making the most out of your income regarding retirement planning, education planning, and ideas to consider before having children.
Here’s Paul talking about the decade of our 30’s. We hope you’ll enjoy it and pass it along.
click to viewHere’s Paul talking about the decade of our 30’s. We hope you’ll enjoy it and pass it along.
The Decades Project: Entering Your Twenties
The Decades Project is our view of how to make your financial and personal situation better along the journey of life.
Here’s Bill talking about the decade of our 20’s. We hope you’ll enjoy it and pass it along.
click to viewHere’s Bill talking about the decade of our 20’s. We hope you’ll enjoy it and pass it along.
What Clients are Asking: Inflation
Watch Paul Majauskas address some questions that our clients are currently asking us regarding inflation going into 2023
click to view
Harvesting Tax Savings
Watch Cherl Snook address potential opportunities for active tax management strategies
click to view
Required Minimum Distributions
Watch Bill Jene' address recent changes about your IRA’s required minimum distribution starting in 2022 and going forward
click to view
What Clients are Asking: Market Cycles
Watch Paul Majauskas address some questions that our clients are currently asking us
click to view
Meet the Support Team!
Watch Cheryl Snook introduce Debra, Helen, Mark, Michele, Samantha & Ty as well as share the four core values that underpin all that we do!
click to view
SkyPointe Wealth Management Group at Morgan Stanley
Learn more about the SkyPointe Wealth Management Group at Morgan Stanley and the services we provide
Please Click Here To View Our Brochure
Genesis of SkyPointe
Bill Jene, Senior Vice President, discusses the formation of the SkyPointe Wealth Management team
click to view
Let us introduce you to Paul Majauskas, Managing Director
Learn more about Paul's background, values, and vision for the future
click to viewInvestment Outlook Calls & Monthly Newsletters
The SkyPointe Wealth Management Group hosts quarterly Investment Outlook Calls, lead by Paul Majauskas. These calls give investors insight into potential investment opportunities for the upcoming quarter. Information for these calls can be found below.
1st Quarter 2025 Investment Outlook Slide Deck
Click to View
4th Quarter 2024 Investment Outlook Slide Deck
Click to View3rd Quarter 2024 Investment Outlook Slide Deck 1
Click to View2nd Quarter 2024 Investment Outlook Slide Deck 1
Click to View2nd Quarter 2024 Investment Outlook Slide Deck 2
Click to View
Winter Newsletter 2025
The SkyPointe team gathered for an evening of camaraderie and shooting clays. We learned about safety, aim and the kickback of a shotgun before taking to the cold outdoors for skeet and trap.
Click to Read
October Newsletter 2024
A wide variety of clients and their families joined us at the Brookfield Zoo this October to celebrate the season and enjoy everything the zoo has to offer.
And cheers to Mark on attaining his CFP® designation!
Click to ReadAnd cheers to Mark on attaining his CFP® designation!
September Newsletter 2024
Our team gathered this summer to enjoy an outdoor dining evening provided by Paul and his wife, Daiva.
Election impact on the markets, our dynamic new FinFit tool, and a replay of our latest investment outlook call.
Click to ReadElection impact on the markets, our dynamic new FinFit tool, and a replay of our latest investment outlook call.
Summer Newsletter 2024
SkyPointe held a Women’s Event at Neiman Marcus in Oak Brook. We talked about women and wealth – a powerful economic force of professional workers, business owners, and mothers - while enjoying music, beverages, food, delightful fashion and modern styling.
Click to Read
April Newsletter 2024
Live from the pink carpet! Samantha competes at Dancing with Chicago Celebrities for cancer research, and how Millennials and Gen Z can start investing for the future.
Click to Read
March Newsletter 2024
March on! Read about what's new within the SkyPointe team, AI and travel, markets and the mind, and a popular hobby sport.
Click to Read
Press & Media Recognition
Forbes Best-In-State Wealth Management Teams 2025
SkyPointe Wealth Management Group
Forbes Best-In-State Wealth Advisors 2024
Paul Majauskas, Ranked #16
Forbes Best-In-State Wealth Management Teams 2024
SkyPointe Wealth Management Group, Ranked #12
Forbes Best-In-State Wealth Advisors 2023
Paul Majauskas, Ranked #14
Location
2211 York Rd
Ste 100
Oak Brook, IL 60523
US
Direct:
(833) 675-1448(833) 675-1448
Meet SkyPointe Wealth Management Group
William B. Jene, CIMA®
Senior Vice President, Financial Advisor, Alternative Investments Director
Phone:
(630) 203-6124(630) 203-6124
Senior Vice President, Financial Advisor, Alternative Investments Director, Family Wealth Director, Workplace Advisor - Equity Compensation, Senior Portfolio Manager
Phone:
(630) 203-6094(630) 203-6094
Phone:
(630) 203-6107(630) 203-6107
Debra Greening
Wealth Management Associate
Phone:
(630) 203-6154(630) 203-6154
Ty Coates, CFA
Assistant Vice President, Financial Planning Specialist, Consulting Group Analyst, *Disclaimer: This role cannot solicit or provide investment advice.
Phone:
(630) 203-6140(630) 203-6140
Michele Meyer
Portfolio Associate
Phone:
(630) 203-6142(630) 203-6142
Samantha Janisse
Registered Client Service Associate
Phone:
(630) 203-6096(630) 203-6096
Mark Ramseth, CFP®
Registered Client Service Associate, *Disclaimer: This role cannot solicit or provide investment advice.
Phone:
(630) 203-6146(630) 203-6146
Helen Dendura-Janyk
Team Administrator
Phone:
(630) 203-6159(630) 203-6159
Lukas Rekasius
Registered Client Service Associate
Phone:
(630) 573-9741(630) 573-9741
About Paul B. Majauskas
Paul Majauskas has been managing client’s wealth at Morgan Stanley since 1986. Paul earned both a Bachelor of Science and a Masters of Management in Finance from Northwestern University. Paul also earned his Certified Investment Management Analyst® (CIMA®) designation from the Wharton School at the University of Pennsylvania. Paul was most recently recognized by Forbes Magazine as Best-In-State Wealth Advisors at #31.
Paul is a lifelong volunteer within the Lithuanian-American community. He and his wife have 3 grown children and enjoy travel, tennis, cooking, astronomy, and the game of chess.
Paul.B.Majauskas@morganstanley.com
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Paul is a lifelong volunteer within the Lithuanian-American community. He and his wife have 3 grown children and enjoy travel, tennis, cooking, astronomy, and the game of chess.
Paul.B.Majauskas@morganstanley.com
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Securities Agent: NM, ME, TN, OR, AZ, AL, PA, NJ, MI, WA, OK, OH, NC, MA, HI, VT, LA, DE, RI, MN, IA, MT, KY, CO, WI, NY, MD, IN, GA, FL, WY, VA, TX, SC, DC, NV, MO, IL, ID, CT, CA, AR; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285376
CA Insurance License #: 0B75085
NMLS#: 1285376
CA Insurance License #: 0B75085
About William B. Jene
Bill Jene has been managing client’s wealth at Morgan Stanley for over 30 years and has 35 years of experience. He earned his BA degree from Indiana University of Pennsylvania and his MBA in finance from The Keller Graduate School of Business. He obtained his Certified Investment Management Analyst® (CIMA®) from The Wharton School, The University of Pennsylvania. Bill and his wife have five grown children and is active in Du-Page Pads helping the homeless. He enjoys boating, skiing and training for and participating in triathlons.
William.B.Jene@morganstanley.com
William.B.Jene@morganstanley.com
Securities Agent: AR, NC, WY, VT, OK, ME, LA, ID, RI, MT, HI, MO, MN, GA, DC, CT, KY, WI, VA, MA, IA, OR, NM, MI, IN, CO, AZ, OH, NJ, IL, FL, DE, CA, AL, TX, NY, MD, SC, NV, WA, TN, PA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282767
NMLS#: 1282767
About Cheryl A. Snook
Cheryl Snook joined Morgan Stanley in 2002. She has over 30 years of significant industry experience from a diverse group of financial institutions. Cheryl earned her BBA in Finance from the University of Wisconsin at Eau Claire and earned her Certified Investment Management Analyst® (CIMA®) at the University of Chicago, Booth School of Business. Cheryl and her husband have two grown children and live in St. Charles, IL. She is a long-standing board member for the St. Charles Education Foundation and is active with various other charitable organizations.
Cheryl.Snook@morganstanley.com
Cheryl.Snook@morganstanley.com
Securities Agent: DE, AR, WI, RI, MN, IN, GA, AZ, TN, OK, CT, OH, IL, CA, WY, NY, NJ, KY, AL, MA, DC, CO, VA, TX, OR, NC, MD, LA, ID, FL, VT, SC, PA, MO, MI, WA, ME, NV, NM, MT, IA, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265066
NMLS#: 1265066
About Zach Benning
Zach Benning helps empower successful, like-minded individuals and their families to gain financial strength and feel confident in knowing they can live the life they desire. He is a Senior Vice President and Financial Advisor at Morgan Stanley, which he joined in 2022. Zach began his financial services career in 2010 with Fifth Third Securities and holds the CERTIFIED FINANCIAL PLANNER™ designation.
Zach graduated from Illinois State University with a B.S. degree in finance. He is a lifelong Illinois resident, devoted husband to his wife Sarah and proud father of daughters Harper and Tessa. His family also includes two Huskies retired from dog sledding. Zach is an avid outdoorsman who has climbed mountains on three continents. When not in the office, spending time with family or tackling his latest alpine challenge, he strives to stay active serving in the local community.
Zachary.Benning@morganstanley.com
Zach graduated from Illinois State University with a B.S. degree in finance. He is a lifelong Illinois resident, devoted husband to his wife Sarah and proud father of daughters Harper and Tessa. His family also includes two Huskies retired from dog sledding. Zach is an avid outdoorsman who has climbed mountains on three continents. When not in the office, spending time with family or tackling his latest alpine challenge, he strives to stay active serving in the local community.
Zachary.Benning@morganstanley.com
Securities Agent: MA, AR, UT, TN, OK, OH, ME, IN, WA, TX, MT, KY, IA, DE, AZ, MS, MO, IL, ID, DC, CT, NM, SD, PA, NJ, HI, CO, NY, MD, AL, WI, VA, SC, NH, LA, WY, VT, NV, MI, GA, FL, RI, PR, OR, NC, MN, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2355792
NMLS#: 2355792
About Debra Greening
Debra is our team’s Wealth Management Associate with over 35 years of management, financial planning and client service experience. She serves as the lead administrator with a focus on our team providing an exceptional overall client experience that is truly tailored to each client’s unique needs. Debra is a graduate of Robert Morris College and holds FINRA Series securities licensing. Debra values time with her family and friends, enjoys travel adventures and is an active volunteer for many charitable events.
debra.l.greening@morganstanley.com
debra.l.greening@morganstanley.com
About Ty Coates
Ty is responsible for several aspects of our team's financial planning, implementation and review process. This includes financial and investment analysis, research, asset allocation, trading and performance reporting. Ty earned a B.S. in Finance from the University of Iowa. He is licensed for security transactions and holds a Chartered Financial Analyst (CFA) designation. Ty resides in Bartlett, Il with his three children. They enjoy outdoor activities and participating the in the JDRF One-Walk to Cure Diabetes.
Ty.Coates@morganstanley.com
Ty.Coates@morganstanley.com
About Michele Meyer
Michele began her career in the Chicago office of Nuveen. She became licensed after taking a Sales Assistant position at Merrill Lynch where she spent eight years before moving to Paine Webber to work in corporate cash management. Michele took a break from her career to be a full-time mom of four until she returned to work joining Morgan Stanley in 2011. Michele takes time to understand each client's needs and enjoys providing care to a diverse set of our clients. She also enjoys time with her husband and four grown children.
Michele.Meyer@morganstanley.com
Michele.Meyer@morganstanley.com
About Samantha Janisse
Samantha joined the SkyPointe Team in 2021. Formerly, she was a Private Client Banker and has 12 years of banking experience at JPMorgan Chase. Sam has an Associate Degree from the College of DuPage. She is licensed for securities and insurance transactions and enjoys the opportunity to provide a top-notch client service experience. Sam enjoys spending time with friends and family and loves to travel.
Samantha. Janisse@morganstanley.com
Samantha. Janisse@morganstanley.com
About Mark Ramseth
Mark joined the SkyPointe Team in 2022. He became a Certified Financial Planner in 2024 and provides financial planning to our clients. He started his brokerage career in 2013 at Charles Schwab in Indianapolis and then joined Fifth Third Securities in 2019. Mark earned his Bachelor's degree from Purdue University and his MBA from Indiana State University. He is licensed for securities transactions and life/health insurance. Mark resides in Plainfield with his wife and two young daughters where they enjoy going on walks and bike rides. They also enjoy road trips in the summer and recently rescued a Labrador Retriever.
mark.ramseth@morganstanley.com
mark.ramseth@morganstanley.com
About Helen Dendura-Janyk
Helen is primarily responsible for operational and administrative service for our team. Her activities include scheduling client meetings, travel arrangements and coordinating client events. Helen has an associate degree from Robert Morris College. She retired from her 35 year career as an Administrative Assistant in corporate finance at Goldman Sachs and has been with Morgan Stanley for five years. Helen enjoys her time with her son, Christopher. They both love to cook, travel and spend time with family members in Arizona.
Helen.Dendura-Janyk@morganstanley.com
Helen.Dendura-Janyk@morganstanley.com
About Lukas Rekasius
Lukas jointed SkyPointe Wealth Management in 2024. He has a bachelor’s degree in Marketing from Carthage College and worked in financial and insurance industry before joining Morgan Stanley. He is licensed for securities and insurance transactions and assists the team with retirement plans, stock plans, and our wealth management families
Lukas.Rekasius@morganstanley.com 630
Lukas.Rekasius@morganstanley.com 630
Contact Paul B. Majauskas
Contact William B. Jene
Contact Cheryl A. Snook
Contact Zach Benning
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
Jordan Hoerter
Private Banker
Amy Gross, CFP®
Financial Planning Director, Vice President
Ana Majauskas
Planning Associate
About Jordan Hoerter
Jordan Hoerter is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
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.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement. When not in the office, Jordan enjoys running, snowboarding, traveling, and spending time with his family.
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.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement. When not in the office, Jordan enjoys running, snowboarding, traveling, and spending time with his family.
NMLS#: 1445073
About Amy Gross
Amy Gross is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Chicago suburbs. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
About Ana Majauskas
Anastasija Majauskas is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Anastasija provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from Tulane University and received the Financial Planning Specialist® designation from the College for Financial Planning. Anastasija Majauskas is originally from Downers Grove, IL and currently resides in New York City, NY
She earned her undergraduate degree from Tulane University and received the Financial Planning Specialist® designation from the College for Financial Planning. Anastasija Majauskas is originally from Downers Grove, IL and currently resides in New York City, NY
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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 SkyPointe Wealth Management 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
