Joseph Mannino
Managing Director, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(504) 582-2845(504) 582-2845
The Mannino Group at Morgan Stanley
Direct:
(504) 582-2845(504) 582-2845
Toll-Free:
(800) 227-6121(800) 227-6121
Our Mission Statement
Our mission is to help our clients achieve their financial goals by providing them with personalized service through our team of professionals.
Our Story and Services
Success in achieving important financial goals begins with a comprehensive and personalized wealth management strategy.
Our team has a process that starts with a review of a client’s total financial picture. This review includes an analysis of assets & liabilities; of investment experience & risk tolerance; of short & long term goals and of any related tax & estate considerations. Further, we learn, over time, about relationships that are important to our client’s longer term financial continuity, such as those with close family members, CPAs, attorneys, etc.
By then understanding our client’s total picture, we put our industry and academic experience to work to develop and implement the client’s customized strategy via best-in-class money managers.
As a result of our process and ongoing strategy reviews as they relate to the changing needs of our clients, many of our relationships are now multigenerational.
Our team has a process that starts with a review of a client’s total financial picture. This review includes an analysis of assets & liabilities; of investment experience & risk tolerance; of short & long term goals and of any related tax & estate considerations. Further, we learn, over time, about relationships that are important to our client’s longer term financial continuity, such as those with close family members, CPAs, attorneys, etc.
By then understanding our client’s total picture, we put our industry and academic experience to work to develop and implement the client’s customized strategy via best-in-class money managers.
As a result of our process and ongoing strategy reviews as they relate to the changing needs of our clients, many of our relationships are now multigenerational.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Planning for Education FundingFootnote4
- Cash ManagementFootnote5
- Financial PlanningFootnote6
- 401(k) Rollovers
- Alternative InvestmentsFootnote7
- AnnuitiesFootnote8
- UGMA/UTMAFootnote9
- 529 PlansFootnote10
- Qualified Retirement PlansFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which aims to fit your needs. In our experience working with clients, we have developed a step-by-step approach to service:
1. Introduction and Discovery Meeting(s)
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and future goals. We review your current financial situation and develop strategies designed to help you pursue the financial outcome you envision.
2. Financial Plan Presentation and Discussion
Financial plan presentations map out essential factors that can play into your financial future. Examining all relevant financial information can help provide a holistic approach to help develop a comprehensive financial plan.
3. Actionable items and Next Steps
After the financial plan presentation, we will follow up regarding our analysis and recommendations, which may include adjustments to your financial plan and investment allocation. We will also establish a time line and prioritize key goals.
4. Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
5. Ongoing Monitoring, Tracking and Adjusting
We will be constantly monitoring your assets and analyzing your performance tracking data seeking to help ensure your financial goals are on track and adjusted accordingly. We will keep a high degree of communication with you by having regularly scheduled reviews to make sure make sure concerns and requests are always addressed.
Helping You Leave a Lasting Legacy
Managing your family’s wealth is about so much more than simply attaining a desired return. At The Mannino Group, we work with our clients and their families to plan for both the present and the future. Our goal is to get all generations involved and set out a plan designed to help your hard-earned wealth transcend generations and last long after you are gone. Whether this involves estate planning strategies, insurance planning, or just taking a much longer-term view on your investment horizon, The Mannino Group is here to guide you through this complicated process.
Making Financial Literacy A Family Affair
- Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. Here at Morgan Stanley, we have a variety of resources available to our clients, and their families, to help them stay educated and up-to date on all things finance.
How We Help
- Create a Comprehensive Financial Plan
- Long Term Investment Strategies
- Getting Your Heirs Involved
- College and Education Planning
- Estate Planning Strategies
- Gifting Strategies
- Charitable Giving Planning
- Cash Management Solutions
Modern Wealth Management Tools
Our comprehensive suite of digital tools are designed to help enhance virtually every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online
What Should I Do With My Money?
A podcast where real people get real answers from Financial Advisors to their most important questions about money.
Listen to the latest episode
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. This new tool allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Total Wealth View
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
Digital Vault
Keeping important documents and financial records organized and readily available is one the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Digital Vault
Morgan Stanley Minute
In this ongoing series of one-minute videos from our firm’s top investment thinkers, you can explore current trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
View our our library of interesting content
eAuthorizations
eAuthorizations allow you to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App. eAuthorization is convenient, secure, and easy to use. You can authorize any transaction with one click and manage authorizations from anywhere using Morgan Stanley Online or Morgan Stanley Mobile.
eAuthorizations
Secure Email
At Morgan Stanley, safeguarding your personal information is among our highest priorities. Our Secure Email tool is a safe way for you to exchange messages and documents containing sensitive information.
Secure Email & Protecting YourselfLocation
1100 Poydras St
Ste 1900
New Orleans, LA 70163
US
Direct:
(504) 582-2845(504) 582-2845
Toll-Free:
(800) 227-6121(800) 227-6121
Meet The Mannino Group
Walter Weil
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(504) 582-2755(504) 582-2755
Isabella Mannino
Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(504) 582-2781(504) 582-2781
Ferdinand Mannino
Financial Advisor, Financial Planning Specialist
Phone:
(504) 585-3911(504) 585-3911
Deneen O'Connor
Registered Client Service Associate
Phone:
(504) 585-3965(504) 585-3965
Karli Descant
Registered Client Service Associate
Phone:
(504) 561-6860(504) 561-6860
Cynthia Ricks
Senior Registered Associate
Phone:
(504) 582-2788(504) 582-2788
About Joseph Mannino
With over 35 years of experience, Joseph Mannino serves as a Managing Director, Financial Advisor, and Portfolio Management Director at Morgan Stanley. His career in financial services began in 1989, and he has been with Morgan Stanley since 1998 (through various buyouts). Joey is dedicated to helping clients pursue their financial goals through strategies with a focus on risk management and long-term growth of capital. The Mannino Group, under Joey’s leadership, has kept a continuous commitment to client relationships and maintaining a high standard of conduct. His passion for finance stems from seeing his clients appreciate his disciplined approach and dedication to fostering multi-generational relationships. Joey is a proud New Orleanian and a graduate of Jesuit High School. He earned his Bachelor of Science in Finance, concentrating on Real Estate Investments, from the University of New Orleans, graduating Cum Laude. In his personal time, Joey enjoys golfing, exercise, and fishing.
Securities Agent: IL, AL, WA, VA, OR, MT, CA, RI, MD, GA, DE, OH, NM, NC, MS, MO, ME, MA, HI, CO, OK, NY, NV, NH, AZ, AK, PA, NJ, MI, LA, DC, CT, UT, TN, FL, TX, SC, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1253113
NMLS#: 1253113
About Walter Weil
Walter Weil, a seasoned Financial Advisor and Senior Vice President at Morgan Stanley, has dedicated over fifty years to the investment industry. Growing up in a family deeply rooted in finance, Walter developed a passion for investment strategies and portfolio management. He is committed to providing clients with insightful, goal-oriented advice designed to help empower them to make informed decisions. Walter thrives on the intellectual challenges of wealth management, enjoying the process of analyzing markets and uncovering new potential opportunities. A proud native of New Orleans and a graduate of Isidore Newman School, Walter enjoys staying active through tennis and golf. He treasures time spent with his family, particularly his five granddaughters, and finds peace on his porch in Maine. Walter's dedication to his clients and community is evident in every aspect of his life.
Securities Agent: RI, AZ, OH, MI, IL, FL, CA, NC, ID, CT, AL, AK, SC, NH, MT, DE, HI, GA, CO, OK, NY, NJ, LA, WA, PA, OR, MO, TX, TN, NV, MS, MA, DC, VA, ME, MD; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1273001
NMLS#: 1273001
About Isabella Mannino
Isabella Mannino is a dedicated Financial Advisor and Portfolio Manager at Morgan Stanley, where she brings a wealth of knowledge and a personal touch to wealth management. Growing up in New Orleans, Bella was inspired by her father's commitment to his clients, which instilled in her the values of integrity, patience, and genuine care. With a background in finance from Tulane University, graduating Magna Cum Laude, Bella's approach is centered on understanding her clients' needs and building strong, dedicated relationships. She is known for her warm, dependable nature and her ability to communicate clearly and effectively. Bella is a native of New Orleans graduating from Academy of the Sacred Heart. Outside of work, Bella enjoys cooking, needlepointing, and spending time with family and friends. Bella is passionate about creating a welcoming environment and cherishes the connections she builds both personally and professionally.
Securities Agent: AZ, LA, RI, WA, VA, UT, MT, MO, DE, NY, MI, AL, AK, TN, MD, OR, MA, NC, ME, HI, GA, NJ, PA, NM, MS, IL, ID, CA, OH, NV, NH, SC, TX, DC, OK, FL, CT, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 2495665
NMLS#: 2495665
About Ferdinand Mannino
F. Walker Mannino is a dedicated Financial Advisor and Financial Planning Specialist at Morgan Stanley. With a strong foundation in Finance and Accounting from the University of Colorado at Boulder, Walker's passion for finance began at the family dinner table with conversions with his father. He is committed to helping professionals, retirees, and multi-generational families navigate their financial challenges. Walker's disciplined approach and in-depth market focuses on identifying potential opportunities across a broad range of markets to help clients pursue their financial goals. Walker is a proud New Orleanian and a graduate of Jesuit High School. Outside of work, Walker is actively involved in the community, participating in Hogs For The Cause, a non-profit supporting families battling pediatric brain cancer. In his leisure time, he enjoys golf, tennis, and traveling.
Securities Agent: LA, IL, GA, WA, TX, ID, CO, AR, MO, MN, RI, MT, MA, AL, AK, OK, OH, PA, NV, NM, UT, MI, MD, HI, FL, DE, SC, NY, NH, ME, CT, CA, VA, OR, NJ, NC, DC, AZ, TN, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 2760669
NMLS#: 2760669
About Deneen O'Connor
Deneen T O'Connor is a dedicated Registered Client Service Associate at Morgan Stanley, where she has been making a difference since 2017. Deneen’s journey in the financial services industry began in 1988 in banking during her college years, where she discovered her love for helping clients. After Hurricane Katrina, she transitioned to the oil field service sector before coming to Morgan Stanley. Deneen is proudly from New Orleans. She is an alumna of Mercy Academy and Loyola University with and a degree in Business Administration with a concentration in Finance. Her community involvement includes past board positions with Louisiana Cares and contributions to Jefferson Dollars for Scholars. Deneen cherishes family time, especially with her granddaughter, and enjoys traveling and hosting friends for Mardi Gras celebrations.
About Karli Descant
Karli Descant is a dedicated Registered Client Service Associate at Morgan Stanley, where she excels in connecting and maintaining relationships with clients. With a Bachelor of Science in Finance from Louisiana State University, Karli began her career in the financial services industry in 2020 in Baton Rouge and later joined The Mannino Group in 2024. Her passion for helping others is evident through her involvement as a St. Jude Partner In Hope and her active participation in the Visitation of Our Lady Parish. Outside of work, Karli enjoys fitness, traveling, attending concerts, trying new restaurants, and cheering for LSU football. She is a proud New Orleans native, alumna of St. Mary’s Dominican High School, and values spending quality time with her family and friends.
About Cynthia Ricks
Cynthia Ricks has been a cornerstone of Morgan Stanley for over four decades, serving as a Senior Registered Associate. Her role as a Client Service Associate is pivotal in ensuring a smooth and efficient customer experience. Cyndi excels in opening accounts, processing transfers, and guiding clients through the myriads of services and applications available at Morgan Stanley, all while supporting financial advisors in reaching their objectives. Hailing from New Orleans, Cyndi embraces the rich culture of her city. She enjoys staying involved in her church community, indulging in music, and keeping up with the latest news. Her commitment to excellence and personalized service ensures that every client interaction is handled with care and professionalism.
Contact Joseph Mannino
Contact Walter Weil
Contact Isabella Mannino
Contact Ferdinand Mannino
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
About Randy Payne
Randy Payne is a Senior Private Banker serving Morgan Stanley Wealth Management offices in the Dallas/Fort Worth Market.
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.
Randy began his career in financial services in 1993, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Divisional Sales Director at Wells Fargo Advisors.
Randy is a graduate of Rensselaer Polytechnic Institute, where he received a Bachelor of Science in Management. He lives in Northlake, Texas with his family. Outside of the office, Randy enjoys spending time in Oxford, MS with his family cheering on Ole Miss football and baseball teams.
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.
Randy began his career in financial services in 1993, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Divisional Sales Director at Wells Fargo Advisors.
Randy is a graduate of Rensselaer Polytechnic Institute, where he received a Bachelor of Science in Management. He lives in Northlake, Texas with his family. Outside of the office, Randy enjoys spending time in Oxford, MS with his family cheering on Ole Miss football and baseball teams.
NMLS#: 1214288
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Wealth Management
Global Investment Office
Portfolio Insights
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
529 Plans: A Powerful Tool to Save for Education
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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
Rational Investing in an Age of Uncertainty
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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.
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
A Simple Six-Step Retirement Checkup
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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
Ready to start a conversation? Contact The Mannino Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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
6Morgan 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.
7Alternative 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11When 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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
6Morgan 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.
7Alternative 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11When 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
