Spencer B Rosman
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(914) 225-0719(914) 225-0719
The Manhattanville Group at Morgan Stanley
Direct:
(914) 225-0700(914) 225-0700
Toll-Free:
(800) 438-6509(800) 438-6509
Our Mission Statement
Understanding your financial needs, we deliver tailored advice and services to help achieve the financial goals you have set for yourself and your family, and manage those needs across generations.
Managing Wealth, Making a Difference
As your life evolves, not only does your financial strategy become more complex, but the opportunities for effectively managing it increase as well. Often, evaluating these opportunities and wisely choosing among them require the knowledge and experience of a seasoned advisory team.
At The Manhattanville Group, we understand that wealth often generates a sophisticated set of responsibilities and challenges. We are a highly skilled team of professionals who can be called upon to provide clarity and guidance in a way that is completely tailored to your particular goals and circumstances. We focus on what is most important to you and bring together the strategies and resources needed to help you make more informed and confident decisions.
For more than 50 years, we have been delivering personalized advice and service to our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
At The Manhattanville Group, we understand that wealth often generates a sophisticated set of responsibilities and challenges. We are a highly skilled team of professionals who can be called upon to provide clarity and guidance in a way that is completely tailored to your particular goals and circumstances. We focus on what is most important to you and bring together the strategies and resources needed to help you make more informed and confident decisions.
For more than 50 years, we have been delivering personalized advice and service to our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Clients
We work with a select group of individuals and families who value our depth of knowledge and experience in providing comprehensive wealth management solutions that are tailored to help achieve their most important life goals.
While each client has a unique set of goals and circumstances, they all have one thing in common: They have accumulated significant assets and need help developing a comprehensive and cohesive wealth strategy. Our role is to help them effectively manage and protect their assets, so they may enjoy their wealth and leave the legacy they desire.
While each client has a unique set of goals and circumstances, they all have one thing in common: They have accumulated significant assets and need help developing a comprehensive and cohesive wealth strategy. Our role is to help them effectively manage and protect their assets, so they may enjoy their wealth and leave the legacy they desire.
We are dedicated to building deep and enduring relationships and have found we work best with clients whose priorities emphasize:
- A long-range focus on achieving goals, not beating benchmarks
- Open conversations about wealth planning and investment expectations
- A multi-generational view of family
Over the past 40 years, we have developed a strong and active practice that includes a diverse group of clients, including:
- Financially successful individuals and families
- Retirees and individuals planning for retirement
- Corporate executives and medical professionals
- Business owners and entrepreneurs
- Referrals from existing clients
Experience
The Manhattanville Group is a tightly-knit team of experienced professionals with a complementary set of skills, knowledge and experience. Working together, we provide highly customized advice and comprehensive wealth management services to professionals, families and business leaders residing in the greater New York metropolitan area and across the country.
The “Total Client Experience”
Our top priority is to help you prepare for all of life’s milestones and to be your first call for any financial matter. We work with your accountant, attorney and other professionals to build a comprehensive and cohesive plan that encompasses all aspects of your life.
The Knowledge to Get It Done
Over the years, we have cultivated skills in portfolio management and retirement planning. We are well qualified to build you a tailored plan designed to help generate significant assets within your portfolio, so you can enjoy a comfortable lifestyle now without the worry of outliving your assets in retirement. We also have significant experience working with private wealth families, educating children on how to manage wealth as its moves across generations.
Financial Strategies for Life
We come to work every day determined to make real difference in the lives of our clients. Our practice is located at Morgan Stanley’s headquarters in Purchase, New York, so our clients have immediate access to the firm’s thought leaders and analysts. As you begin to work with us, we hope you will see how dedicated we are to helping you build and preserve your wealth, while working to strengthen your family’s financial security for generations to come.
Working With You
Our process begins and ends with listening. We ask questions about your hopes and dreams, your current financial situation and your vision for the future, and your outlook about investment style and risk . . . and then we listen. It’s an ongoing dialogue that enables us to understand all we can about you, your family and your finances.
Over the years, we have implemented a goals-based approach that identifies and implements appropriate solutions to help you accomplish and maintain financial success. Through each step of our process, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
Over the years, we have implemented a goals-based approach that identifies and implements appropriate solutions to help you accomplish and maintain financial success. Through each step of our process, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
Step 1: Get to Know You
Listen carefully to understand what is important to you, your family and your legacy and learn about the values that shape your decisions. Then Identify any challenges and circumstances unique to your personal situation.
Step 2: Analyze & Assess
Review your current and future financial situation to determine the likelihood of reaching your goals then address any potential shortfalls or the impact of unexpected life events. Finally, reach out to your accountant and estate attorney to ensure strategies recommended are cohesive and fully integrated.
Step 3: Develop a Tailored Plan
Create a custom wealth management plan, identifying specific strategies to achieve your particular goals and
openly discuss any costs involved.
openly discuss any costs involved.
Step 4: Implement
Upon approval, complete paperwork to implement an investment strategy that prioritizes activities with established timelines.
Step 5: Provide Ongoing Service
Schedule ongoing conversations to review, track progress, and fine-tune your strategy over time to reflect priorities in your life and market conditions.
Core Values
Successful wealth management begins with personalized service and attention. We are committed to the following core values that serve as the foundation of our practice:
A “Client First” Mindset
Every recommendation we make is focused on doing the right thing for you. We simplify your financial life, offering the most appropriate solutions for your consideration.
A Focus on Relationships
We enjoy working with families who seek the kind of long-term, fully-engaged relationship we value. The bonds we form with our clients are fundamental to our mission; it is our hope they span generations.
A Team Approach
You are entitled to the best advice possible. As a result, we often collaborate with professionals within the industry who are considered experts in their field. We also work closely with your accountant, attorney and other specialists to gain the precise knowledge needed to effectively manage all aspects of your wealth.
A Commitment to Education
Financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. We provide ongoing education – in easy-to-understand language – to provide enhanced knowledge about investing effectively in today’s complex global markets.
An Appreciation for Generational Wealth
We concentrate on delivering thoughtful, comprehensive wealth planning that unites family members across generations and supports your current and future financial goals.
A Clear Understanding We Work for You
We value our relationship with Morgan Stanley as a top purveyor of global financial services for 80 years, yet we value our relationship with you even more. We are committed to developing a relationship that provides special value to you and your family. When you work with us, we make your priorities our priorities.
Location
2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-0700(914) 225-0700
Toll-Free:
(800) 438-6509(800) 438-6509
Meet The Manhattanville Group
Dale Akinla, CFP®
Executive Director, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(914) 225-0703(914) 225-0703
Richard Medure
Assistant Vice President, Wealth Management Associate, Financial Planning Specialist (FPS)
Phone:
(914) 225-0746(914) 225-0746
Victoria Lopez
Senior Client Associate
Phone:
(914) 225-2632(914) 225-2632
About Spencer B Rosman
A seasoned professional with more than 35 years of experience, Spencer is dedicated to helping professionals, families and business leaders solve their financial challenges and achieve their goals. His results-driven approach includes the development of a tailored wealth management plan and a commitment to ongoing education and outstanding service. Spencer enjoys helping clients simplify their financial lives so they may enjoy the wealth they have created and leave the legacy they desire.
Growing up in Eastchester, NY, Spencer was always intrigued by the stock market. He had a strong affinity for math, and hoped someday he would work on Wall Street. Upon graduating from Oneonta State with a degree in English, Spencer became a journalist; five years later, he made a life-changing decision to pursue his original passion of finance. He joined a small firm in midtown Manhattan and one year later, moved to Bear Stearns, where he learned the ins and outs of the stock market. It was here where Spencer began to work directly with clients and learned first-hand how his guidance as a financial advisor could make a profound difference on the quality of their lives. He joined Morgan Stanley in 1989 and has been a vital member of the firm ever since.
Over the years, Spencer has built a successful practice advising clients on how to better understand and manage their total financial picture. Spencer is currently a Senior Portfolio Manager at Morgan Stanley as well as a Financial Planning Specialist. He believes investing should be based on a strategy that is easy to understand and easy to implement. Through a goals-based process and world-class resources, Spencer works diligently to provide clients with clarity and confidence about their finances, so they can invest their time on the people and activities that bring them joy.
Spencer currently lives in Westchester County with his wife, Roxane, and their two children. Outside of the office, Spencer enjoys spending time with family and friends. Favorite leisure activities include bicycling, photography and playing acoustic guitar.
Growing up in Eastchester, NY, Spencer was always intrigued by the stock market. He had a strong affinity for math, and hoped someday he would work on Wall Street. Upon graduating from Oneonta State with a degree in English, Spencer became a journalist; five years later, he made a life-changing decision to pursue his original passion of finance. He joined a small firm in midtown Manhattan and one year later, moved to Bear Stearns, where he learned the ins and outs of the stock market. It was here where Spencer began to work directly with clients and learned first-hand how his guidance as a financial advisor could make a profound difference on the quality of their lives. He joined Morgan Stanley in 1989 and has been a vital member of the firm ever since.
Over the years, Spencer has built a successful practice advising clients on how to better understand and manage their total financial picture. Spencer is currently a Senior Portfolio Manager at Morgan Stanley as well as a Financial Planning Specialist. He believes investing should be based on a strategy that is easy to understand and easy to implement. Through a goals-based process and world-class resources, Spencer works diligently to provide clients with clarity and confidence about their finances, so they can invest their time on the people and activities that bring them joy.
Spencer currently lives in Westchester County with his wife, Roxane, and their two children. Outside of the office, Spencer enjoys spending time with family and friends. Favorite leisure activities include bicycling, photography and playing acoustic guitar.
Securities Agent: MO, NM, TX, PA, WA, VT, VA, TN, SC, RI, OR, NY, NV, NJ, NH, NC, MN, MI, ME, MD, MA, LA, IN, ID, HI, GA, FL, DE, DC, CT, CO, CA, AZ, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1272935
NMLS#: 1272935
About Dale Akinla
Dale is a CERTIFIED FINANCIAL PLANNER™ with 30 years of financial services experience. He works closely with corporate executives and high net worth families to align their finances with their long-term goals. His disciplined approach includes the development of a comprehensive financial plan that combines asset accumulation strategies and risk management techniques. Dale also enjoys providing investment guidance, money management and retirement plans to small business owners and nonprofits.
Growing up in Nigeria, Dale earned his Bachelor of Law degree at the University of Lagos. He continued his studies, receiving his Masters of Law degree and a Doctorate in International Law from Harvard Law School. In 1988, Dale began his career at Citibank in New York and London, providing banking services to major commercial airlines and business owners. He joined J.P. Morgan 10 years later to expand his experience in corporate financing and investment banking. With the desire to share his institutional knowledge, Dale joined Morgan Stanley in 2009 and became a partner at The Manhattanville Group in 2015.
Dale’s disciplined process begins with asking the right questions and actively listening. This information serves as the foundation of a tailored plan that reflects each client’s goals for the future. Dale’s passion has always been to help families and business owners fulfill their financial dreams. He takes pride in his ability to combine his knowledge and experience with personal warmth and patience to empower his clients to build and enjoy the wealth they have created.
A strong believer in giving back, Dale is an active volunteer. He serves as the Chairperson on the Board of Advisers for Westchester Community Foundation, a nonprofit focused on advancing key social, environmental and community objectives. He is also a volunteer emergency first responder at his local fire department. In his free time, Dale enjoys skiing with his wife and twin children and gourmet cooking.
Growing up in Nigeria, Dale earned his Bachelor of Law degree at the University of Lagos. He continued his studies, receiving his Masters of Law degree and a Doctorate in International Law from Harvard Law School. In 1988, Dale began his career at Citibank in New York and London, providing banking services to major commercial airlines and business owners. He joined J.P. Morgan 10 years later to expand his experience in corporate financing and investment banking. With the desire to share his institutional knowledge, Dale joined Morgan Stanley in 2009 and became a partner at The Manhattanville Group in 2015.
Dale’s disciplined process begins with asking the right questions and actively listening. This information serves as the foundation of a tailored plan that reflects each client’s goals for the future. Dale’s passion has always been to help families and business owners fulfill their financial dreams. He takes pride in his ability to combine his knowledge and experience with personal warmth and patience to empower his clients to build and enjoy the wealth they have created.
A strong believer in giving back, Dale is an active volunteer. He serves as the Chairperson on the Board of Advisers for Westchester Community Foundation, a nonprofit focused on advancing key social, environmental and community objectives. He is also a volunteer emergency first responder at his local fire department. In his free time, Dale enjoys skiing with his wife and twin children and gourmet cooking.
Securities Agent: ME, MN, MO, NC, NH, NJ, NM, NV, NY, OR, PA, RI, SC, TN, TX, VA, VT, WA, MI, CT, CO, CA, AZ, DC, DE, FL, GA, HI, ID, IL, IN, LA, MA, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275651
NMLS#: 1275651
About Richard Medure
Richard is a Portfolio Associate with 20 years of experience in the financial services industry. Richard began his career as a Sales Assistant with Paine Webber in Stamford, CT where he also served as Branch Technology Liaison and Branch Syndicate Coordinator. Prior to Morgan Stanley, he worked as an Investment Associate at UBS in Stamford, CT. Richard joined Morgan Stanley as a Registered Associate in 2006, and become a Portfolio Associate in 2014. Richard works with high net worth individuals and families focusing on investment management as well as retirement & education planning. Richard graduated from Manhattan College in Riverdale, NY with a B.S., General Studies in Arts & Sciences.
About Victoria Lopez
Victoria has over 15 years of professional experience garnered while serving wealth management and private bank clients in a variety of roles at Citigroup. As a Senior Client Associate with Morgan Stanley, she will assist you with a wide range of tasks, including the opening, funding and reviewing of accounts, handling of wire and ACH transfers, executing unsolicited trade instructions, helping with cash management/lending activities, use of our digital tools, and more. With her outstanding relationship and communications skills, Victoria is adept at supporting the needs of all generations of clients.
Victoria grew up in mid-town Manhattan, and now lives in Mamaroneck with her husband and their five-year-old beagle. She attended Citi Technical College in Brooklyn and holds Series 7 and 66 licenses. Away from the office, Victoria enjoys cooking, long walks, and spending time with her family.
Victoria grew up in mid-town Manhattan, and now lives in Mamaroneck with her husband and their five-year-old beagle. She attended Citi Technical College in Brooklyn and holds Series 7 and 66 licenses. Away from the office, Victoria enjoys cooking, long walks, and spending time with her family.
Contact Spencer B Rosman
Contact Dale Akinla
Wealth Management
Global Investment Office
Portfolio Insights
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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 Manhattanville 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 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.
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.
3Municipal 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.
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.
5When 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Morgan 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
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 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.
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.
3Municipal 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.
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.
5When 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Morgan 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
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
