Donald Marano
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(610) 391-6343(610) 391-6343
The Marano Group at Morgan Stanley
Direct:
(610) 954-6826(610) 954-6826
Toll-Free:
(800) 433-4200(800) 433-4200
Our Mission Statement
At The Marano Group, our mission is to serve as excellent stewards of your wealth while striving to deliver a superior level of service. We are a tenured team of financial professionals taking a disciplined approach in creating a comprehensive financial plan and investment portfolio designed expressly for you.
Welcome
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives, and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps to meet your individual financial needs:
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits, and insurance coverage.
Step 5: 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.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. Our process is designed to evolve with them – and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Chartered Life Underwriter® (CLU®)
Chartered Life Underwriter® is a professional designation for individuals who specialize in life insurance and estate planning. This designation represents a thorough understanding and expertise in personal risk management and life insurance planning allowing professionals to give financial advice.
Frank holds this designation.
Frank holds this designation.
Lifeview Intelligent Planning
Lifeview is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of your financial life, including investments and cash management needs.
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Goals Based Planning (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
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Spending & Budgeting Tools
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
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Aladdin - Portfolio Risk Tool
An overview of risk and returns across all of your portfolios maintained at Morgan Stanley and other financial institutions is provided by this one-of-a-kind risk management solution. In all of your investments, at Morgan Stanley as well as other financial institutions, we work to assist you understand risk.
Click Here to Learn MoreNAVIGATING MAJOR LIFE EVENTS
Most major life events have financial implications. We are here to help you through them and make the right financial decisions for you and your family.
Marriage
Few events are more exciting than when you decide to align your life with the person you love. We help you plan for these milestones and guide these conversations.
Divorce
Divorcing a spouse can be a difficult ordeal, with repercussions that affect your emotional and financial well-being. We can help you can prepare for these difficult situations and help you to feel more in control and better equipped to make informed decisions about your financial future.
Widowhood
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention. That is why we help you plan ahead to ensure that your wishes and your will are followed.
Retirement
Saving for retirement is a lifelong process that relies on defined financial planning strategies. We help guide you through this process each step of the way toward achieving their retirement goals.
Elder Care
Aging can be challenging whether you are looking to develop a plan for yourself, or trying to figure out the best way to support your loved ones. Elder care may be a complicated, emotional process that is why we help keep you develop a clear plan that prioritizes the desires and preferences of the aging individual.
Business
From executive-level employment situations to other business ventures—from startups to established enterprises we can help you navigate the complexities of business ownership and investment and associated activities such as selling, divesting or planning for succession.
Birth
Welcoming a child into the family is a joyous occasion for everyone from parents and grandparents to aunts, uncles, siblings, cousins and other extended family members. Therefore, we help you and other family members plan and prepare for the financial components that a new child may introduce into your lives.
Education
Education is a major investment and expense that often requires years of careful, advanced planning. help you approach a variety of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for each unique situations.
Wealth Management
We take a holistic approach to bring all aspects of your financial life together. We use our analysis and experience to develop a customized plan for you.
Retirement Planning
This is paramount and ensuring a successful retirement. We bring intense focus on this process. You have worked hard to get where you are at. Now it is up to us to help you live the retirement you have always dreamed of.
401(k) Rollovers
Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can ensure that there is no risky overlap or concentration insecurities. We can make taking required minimum distributions easier. You also have the full suite of an open platform from which to choose investments from.
Insurance Planning and Long-Term Care
The right insurance products protect assets, family, and legacy. Morgan Stanley offers a variety of insurance products: life, disability income, and long term care. We can have discussions about purchasing life or long-term care insurance to preserve client savings and manage the high costs that can occur at any point during retirement.
Cash Management and Lending Products
As a Morgan Stanley client, you have access to a comprehensive suite of cash management solutions. This includes eAuthorizations, Bill Pay, Morgan Stanley Debit Cards and more.
Education Planning
We believe that education is important, but we also believe that proper planning is key in making sure you are prepared to cover the potential costs that could arise.
Location
515 West Hamilton St
7th Fl
Allentown, PA 18101
US
Direct:
(610) 954-6826(610) 954-6826
Toll-Free:
(800) 433-4200(800) 433-4200
Meet The Marano Group
Frank R Marano, CLU®
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(610) 391-6304(610) 391-6304
Phone:
(610) 954-6826(610) 954-6826
Lori L. Heintzelman
Client Service Associate
Phone:
(610) 391-6361(610) 391-6361
About Donald Marano
Don is a Vice President, Senior Portfolio Manager and founding partner of The Marano Group at Morgan Stanley. For more than 35 years, he has enjoyed working with professionals, business leaders, and generational families with a higher level of wealth, providing personalized advice through a disciplined wealth management process. Don’s areas of focus include portfolio management, alternatives investments, and insurance strategies. His comprehensive approach includes a holistic financial plan, a diversified investment portfolio, and a commitment to outstanding service.
A native of Pennsylvania, Don grew up in Northampton and currently lives in Bushkill, Township. He earned his B.S. degree in Office Administration from Bloomsburg University and began his career in financial services at Capital Analysts, Inc. Over the years, Don has worked at both large and small firms, including PNC Brokerage, Wachovia Securities, and Fulton Financial Advisors. In 2008, he teamed up with his brother, Frank, to leverage each other’s areas of strengths and provide clients with a more comprehensive wealth management experience. They formed The Marano Group and five years later moved their practice to Morgan Stanley.
Over the years, Don has built a successful practice that enables him to help clients solve complex problems and manage their total financial picture. It is extremely rewarding for Don to see the impact a comprehensive strategy can have on his clients’ lives as he helps them make their goals a reality. It gives him great satisfaction knowing he is contributing to a more comfortable and confident financial lifestyle.
Don believes balance is vital to a happy life. Don and his wife; Jen, enjoy living in Bushkill Township, PA. Jen is the Corporate Clinical Consultant for PrimeCare Medical, Inc. In their free time, Don and Jen enjoy golf, travel, and spending time with their grown children, Adriena, Michael and Abby.
A native of Pennsylvania, Don grew up in Northampton and currently lives in Bushkill, Township. He earned his B.S. degree in Office Administration from Bloomsburg University and began his career in financial services at Capital Analysts, Inc. Over the years, Don has worked at both large and small firms, including PNC Brokerage, Wachovia Securities, and Fulton Financial Advisors. In 2008, he teamed up with his brother, Frank, to leverage each other’s areas of strengths and provide clients with a more comprehensive wealth management experience. They formed The Marano Group and five years later moved their practice to Morgan Stanley.
Over the years, Don has built a successful practice that enables him to help clients solve complex problems and manage their total financial picture. It is extremely rewarding for Don to see the impact a comprehensive strategy can have on his clients’ lives as he helps them make their goals a reality. It gives him great satisfaction knowing he is contributing to a more comfortable and confident financial lifestyle.
Don believes balance is vital to a happy life. Don and his wife; Jen, enjoy living in Bushkill Township, PA. Jen is the Corporate Clinical Consultant for PrimeCare Medical, Inc. In their free time, Don and Jen enjoy golf, travel, and spending time with their grown children, Adriena, Michael and Abby.
Securities Agent: OK, FL, MD, WV, GA, CT, VA, KY, CA, NY, NJ, NC, MT, MI, MA, DE, PA, SC, OH, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1285265
NMLS#: 1285265
About Frank R Marano
Frank is a Vice President, Senior Portfolio Manager and founding partner of The Marano Group at Morgan Stanley. He has been providing financial advice to professionals, business owners and their families in the Philadelphia metropolitan and around the country for 35 years. His extensive experience in the financial industry – coupled with his ability to decipher complex financial matters – enables him to help clients understand the intricate details of their wealth, while guiding them towards the achievement of their personal and professional goals.
Born in Brooklyn, Frank grew up on Long Island with his brother, Don, before moving to Northampton, PA in high school. After graduating from Kutztown University in 1984 with a B.A. degree in Business Administration, he began his long and rewarding career in the financial services industry. He earned his Chartered Life Underwriter® (CLU®) designation while working at Capital Analysts. In 2008, he teamed up with Don to create a formal partnership, leveraging each other’s areas of concentration and providing their clients with a more comprehensive wealth management experience. In 2013, they joined Morgan Stanley and have been integral members of the firm ever since.
An industry veteran, Frank is continually looking for new ways to exceed his clients’ expectations. He is knowledgeable about the many traditional and alternative investments now available in the marketplace and how to best utilize them for the benefit of each client. In addition, Frank has access to the broad array of leading-edge resources at Morgan Stanley and has nurtured relationships with many professionals in the community – including estate planning attorneys and tax professionals – to optimize his ability to serve the needs of his clients and their families.
Frank and his wife, Carol, enjoy living in historic Easton, PA. They have been married for 35 years and have two grown sons with families of their own. Carol is a fifth grade school teacher at Moore Township Elementary School, Bath Pa. In their free time, Frank and Carol enjoy Golf, Travel and spending time with their family.
Born in Brooklyn, Frank grew up on Long Island with his brother, Don, before moving to Northampton, PA in high school. After graduating from Kutztown University in 1984 with a B.A. degree in Business Administration, he began his long and rewarding career in the financial services industry. He earned his Chartered Life Underwriter® (CLU®) designation while working at Capital Analysts. In 2008, he teamed up with Don to create a formal partnership, leveraging each other’s areas of concentration and providing their clients with a more comprehensive wealth management experience. In 2013, they joined Morgan Stanley and have been integral members of the firm ever since.
An industry veteran, Frank is continually looking for new ways to exceed his clients’ expectations. He is knowledgeable about the many traditional and alternative investments now available in the marketplace and how to best utilize them for the benefit of each client. In addition, Frank has access to the broad array of leading-edge resources at Morgan Stanley and has nurtured relationships with many professionals in the community – including estate planning attorneys and tax professionals – to optimize his ability to serve the needs of his clients and their families.
Frank and his wife, Carol, enjoy living in historic Easton, PA. They have been married for 35 years and have two grown sons with families of their own. Carol is a fifth grade school teacher at Moore Township Elementary School, Bath Pa. In their free time, Frank and Carol enjoy Golf, Travel and spending time with their family.
Securities Agent: MI, OH, OK, NC, DE, SC, PA, MT, CA, WI, VA, GA, MD, KY, MA, CT, NJ, FL, NY, WV; General Securities Representative; Investment Advisor Representative
NMLS#: 1520226
NMLS#: 1520226
About Michael Wolf
Michael is an Economics graduate from Penn State University. He has completed the required education to become a Financial Planning Specialist. He holds five FINRA licenses, the Series 6, 7, 26, 63, & 65, as well as his life and health insurance licenses through the state of Pennsylvania. He has ten years of total experience in financial services, five of which, have been with The Marano Group at Morgan Stanley.
When meeting with prospective clients, Michael simply prepares by bringing a pen, a legal pad, and a cup of coffee. He prefers to treat each person as a blank slate, as he strives to deeply understand their personal and financial goals. Together with his colleagues, he will make every attempt to garner the trust and confidence of your entire household, as he strives to guide them towards financial independence.
Michael’s ultimate goal in working with his clients is to help them see through the constant financial noise and become laser-focused on the tried-and-true methods of growing and preserving wealth. He accomplishes this by making education a key component of his practice. Over time, he desires that his clients come to understand the true nature of the capital markets, so they are not easily swayed by financial propaganda. Many of these complex topics can only be ironed out through a careful, customized, and personal conversation, rather than a blanket formula.
Originally from Reading, PA, Michael now lives in Palmerton with his wife, Hailey, and young daughter, Amelia. Outside of the office, he enjoys hunting, fishing, attending baseball games, and reading about finance and theology. Michael is also heavily involved in his church in Schnecksville, as he has served as both a deacon and an usher.
When meeting with prospective clients, Michael simply prepares by bringing a pen, a legal pad, and a cup of coffee. He prefers to treat each person as a blank slate, as he strives to deeply understand their personal and financial goals. Together with his colleagues, he will make every attempt to garner the trust and confidence of your entire household, as he strives to guide them towards financial independence.
Michael’s ultimate goal in working with his clients is to help them see through the constant financial noise and become laser-focused on the tried-and-true methods of growing and preserving wealth. He accomplishes this by making education a key component of his practice. Over time, he desires that his clients come to understand the true nature of the capital markets, so they are not easily swayed by financial propaganda. Many of these complex topics can only be ironed out through a careful, customized, and personal conversation, rather than a blanket formula.
Originally from Reading, PA, Michael now lives in Palmerton with his wife, Hailey, and young daughter, Amelia. Outside of the office, he enjoys hunting, fishing, attending baseball games, and reading about finance and theology. Michael is also heavily involved in his church in Schnecksville, as he has served as both a deacon and an usher.
Securities Agent: SC, WV, VA, NH, GA, PA, CA, TX, OK, MD, MT, KY, OH, DE, NJ, MA, CT, NC, MI, FL, TN, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 2575056
NMLS#: 2575056
About Lori L. Heintzelman
With more than thirty-years of service at Morgan Stanley, Lori’s experience as a Client Service Associate is surpassed only by her efficiency, dedication and kindness. Lori is responsible for the team’s most important administrative details and maintains control over the day-to-day activities within the group. Lori’s support to the team’s financial advisors and the clear guidance she offers directly to our clients is a pillar to our success.
When not helping clients and seeing to the needs of the day, Lori enjoys spending time with her family and in working to raise her bowling average!
When not helping clients and seeing to the needs of the day, Lori enjoys spending time with her family and in working to raise her bowling average!
Contact Donald Marano
Contact Frank R Marano
Contact Michael Wolf
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Marano Group today.
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 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
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.
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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
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.
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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
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:
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Awards Disclosures
CRC 6491812 (04/2024)
