Phone:
(212) 315-6291(212) 315-6291
The Marathone Group at Morgan Stanley
Direct:
(212) 315-6291(212) 315-6291
Our Mission Statement
Our mission is to earn your trust through open and clear communication, objective advice, hard work and a genuine concern for your overall financial well-being.
WORKING WITH MORGAN STANLEY'S MARATHONE GROUP
Financial planning is often likened to a marathon because, like a long-distance race, it's a journey that requires endurance, preparation, and a well-thought-out strategy. Here's how financial planning mirrors the characteristics of a marathon:
- Long-Term Perspective: Just as marathon runners prepare for a race that spans many miles, financial planning is focused on the long term. It's about setting and achieving financial goals over a lifetime, which may include retirement, buying a home, or funding education.
- Consistency and Discipline: Marathon runners must stick to a training regimen and stay disciplined to build their endurance. Similarly, financial planning requires consistent saving, investing, and budgeting habits to reach your objectives.
- Adaptability: Marathon runners must adjust to changing conditions, such as weather or course terrain. Financial planning also demands adaptability, as life circumstances can change, and your financial strategy may need adjustments accordingly.
- Setting Milestones: Runners often break down a marathon into smaller milestones, like reaching each mile marker. Similarly, financial planning involves setting intermediate financial goals that lead to your ultimate objectives, providing a sense of achievement along the way.
- Risk Management: Runners face physical challenges and potential injuries during a marathon, so they must manage risks. In financial planning, risk management involves diversifying investments and having a safety net in place, such as insurance, to protect against unexpected setbacks.
- Endurance and Patience: Just as marathon runners must endure the physical and mental challenges of a long race, financial planning requires patience to weather market fluctuations and stay committed to your goals despite setbacks.
In both a marathon and financial planning, the journey can be challenging, but the sense of accomplishment and fulfillment that comes from reaching the finish line or achieving your financial goals makes it all worthwhile. Just as runners rely on training and determination, successful financial planning requires dedication, a clear roadmap, and the ability to stay the course, no matter how long it takes to cross the financial finish line.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR RELATIONSHIP WITH YOU BEGINS WITH A COVERSATION
Our clients are executives and families who have often accumulated wealth but need help managing and ultimately transferring their assets. They are busy people, many are professionals in corporations who find managing money in today’s economy a challenge.
Some of our clients have been with us for more than 20 years, and we are now privileged to work with the third generation in some cases. There is no greater professional satisfaction than to have been welcomed into a family throughout their important life stages—educational planning, real estate purchases, business succession, retirement, and estate planning strategies.
Some of our clients have been with us for more than 20 years, and we are now privileged to work with the third generation in some cases. There is no greater professional satisfaction than to have been welcomed into a family throughout their important life stages—educational planning, real estate purchases, business succession, retirement, and estate planning strategies.
Working With You
In order to create a sound financial strategy, we want a deep understanding of you and your goals. We want to know the future you envision and the past that brought you here. We also want to know:
• What keeps you up at night?
• How do you envision life when you retire?
• What kind of legacy do you hope to leave your heirs?
We ask these questions and more. Then we create a customized financial plan—a virtual road map that we monitor and adjust as needed to help keep you on track. This allows us to develop a strategy for all aspects of your financial life—portfolio construction, asset allocation, risk management, estate planning, and charitable gifting.
In helping to manage your financial affairs, we coordinate with your other trusted advisors; including attorneys and CPAs as needed. We have access to a wide range of resources and skilled professionals. With this powerful combination, we provide a 360-degree financial strategy that’s not only coordinated, but comprehensive.
• What keeps you up at night?
• How do you envision life when you retire?
• What kind of legacy do you hope to leave your heirs?
We ask these questions and more. Then we create a customized financial plan—a virtual road map that we monitor and adjust as needed to help keep you on track. This allows us to develop a strategy for all aspects of your financial life—portfolio construction, asset allocation, risk management, estate planning, and charitable gifting.
In helping to manage your financial affairs, we coordinate with your other trusted advisors; including attorneys and CPAs as needed. We have access to a wide range of resources and skilled professionals. With this powerful combination, we provide a 360-degree financial strategy that’s not only coordinated, but comprehensive.
C-Suite & Founders
Equity Cap Table Management
Startup Equity Admin by Morgan Stanley Shareworks
Equity Compensation Benchmarking
Compensation Data & Strategy
Strategic (Non-Operating) Cash Management
Institutional Cash Management Solutions
409A Valuations
Audit-Ready Valuations at Every Stage of Growth
Employee Financial Wellness
Empower Your Employees Through Financial Education
Corporate Tenders & Liquidity Programs
Tender Offers Simplified
Corporate Retirement Advisory
Institutional Consulting and Corporate Retirement Solutions
IPO Readiness & Capital Markets
Direct Listing vs. Traditional IPOInvestor Resources
At the Marathone Group, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business world today.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen To The Latest Episode
The Global Investment Committee Weekly
Weekly insights into global markets, asset classes and economic trends from the Global Investment Committee, Morgan Stanley’s team of seasoned investment professionals.
Learn More
Global Investment Committee: On The Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below.
Learn More
2023 Federal Income Tax Tables
For help filing your taxes this year, our team has published the 2023 tax tables for your reference. Please click the link below to view them.
Learn More
Equity Compensation and U.S. Federal Income Taxes: An Overview
Equity compensation can be one of the most valuable benefits offered by your company, but it’s important to understand how it works—and how it’s taxed. Here’s what you need to know.
Read the Article
Annual Percentage Yield Preferred Savings
Morgan Stanley clients with eligible brokerage accounts can earn through deposits into our Preferred Savings Program for qualifying cash. Contact our team to learn more or click here for the current rate. Terms apply
Learn MoreDigital Wealth Management Tools
Our comprehensive suite of digital tools are designed to help enhance virtually every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Learn More About Morgan Stanley Online
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn more about Total Wealth View
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have resources of MSO on the go.
Learn More About Our Mobile App
Portfolio Risk Platform
Our proprietary Portfolio Risk Platform leverages state of-the-art analytics to help identify various elements of risk in client portfolios, down to the security level, and model the potential impact of adjustments, before portfolio changes are made.
Learn More About Our Portfolio Risk Platform
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
Access Digital Vault
Spending and Budgeting Tool
Morgan Stanley provides a Spending and Budgeting Tool, which can automatically categorize your spending and analyze your cash flow to help you easily manage where your money is going across all your accounts – both at Morgan Stanley and externally to make it easy for you and your Financial Advisor to see your complete financial picture.
Learn More About Our Spending & Budgeting Tool
eAuthorizations
With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.
Enroll in eAuthorizationsLocation
590 Madison Avenue 11th Floor
New York, NY 10022
US
Direct:
(212) 315-6291(212) 315-6291
Meet The Marathone Group
Phone:
(212) 893-6595(212) 893-6595
Julian Greco, CFP®
Registered Associate
Phone:
(212) 315-6352(212) 315-6352
Adam I. Nussen
Senior Client Service Associate
Phone:
(212) 307-2846(212) 307-2846
About Adam J Darrow
Adam J Darrow is an Executive Director and Portfolio Management Director. He has over 30 years of wealth management experience and has been with Morgan Stanley and its predecessor firm since 1999. In addition to his leadership and management responsibilities for the group, Adam helps develop and implement wealth management strategies for his clients by concentrating on financial planning, portfolio construction, risk management and behavioral counseling. He is dedicated to delivering highly responsive and individualized solutions to his clients, using a focused, objective planning process. Adam is firmly committed to building lasting relationships by delivering goal-oriented results and exceptional client service.
By putting his clients first and sincerely caring about their future, Adam has developed a successful practice. He takes pride in having worked with clients for decades, including families whom he has served for multiple generations. His dedication to his clients has fostered long-term, trusting relationships.
Adam strives to provide an extraordinary high level of service. Clients’ portfolios are attentively monitored, and meetings are scheduled to appraise goals and evaluate financial conditions. He is accessible and all questions are welcomed.
Adam was named one of the top Wealth Advisors in America by Forbes Magazine in 2021, 2022, 2023, and 2024. He has been awarded the designation of Senior Portfolio Management Director at Morgan Stanley which is the highest internal designation for Financial Advisors at the firm who manage client assets on a discretionary basis.
Prior to joining the firm, Adam worked as a Financial Advisor at Merrill Lynch.
Adam and his wife have been married for 26 years. The couple have 2 daughters, Lindsay and Morgan. In Adam's free time he enjoys spending time with his family, going to the beach as well as spending time planting and gardening. He is an avid Jets, Mets and Knicks fan and likes to work out with the Peloton. He is a huge fan of the band COLDPLAY.
The awards/ratings listed above are based on quantitative and qualitative criteria. The awards/ratings may not be representative of any one client’s experience and is not indicative of the Financial Advisor’s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pay a fee in exchange for the awards/ratings.
2021, 2022, 2023, and 2024 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2021,2022,2023,2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
By putting his clients first and sincerely caring about their future, Adam has developed a successful practice. He takes pride in having worked with clients for decades, including families whom he has served for multiple generations. His dedication to his clients has fostered long-term, trusting relationships.
Adam strives to provide an extraordinary high level of service. Clients’ portfolios are attentively monitored, and meetings are scheduled to appraise goals and evaluate financial conditions. He is accessible and all questions are welcomed.
Adam was named one of the top Wealth Advisors in America by Forbes Magazine in 2021, 2022, 2023, and 2024. He has been awarded the designation of Senior Portfolio Management Director at Morgan Stanley which is the highest internal designation for Financial Advisors at the firm who manage client assets on a discretionary basis.
Prior to joining the firm, Adam worked as a Financial Advisor at Merrill Lynch.
Adam and his wife have been married for 26 years. The couple have 2 daughters, Lindsay and Morgan. In Adam's free time he enjoys spending time with his family, going to the beach as well as spending time planting and gardening. He is an avid Jets, Mets and Knicks fan and likes to work out with the Peloton. He is a huge fan of the band COLDPLAY.
The awards/ratings listed above are based on quantitative and qualitative criteria. The awards/ratings may not be representative of any one client’s experience and is not indicative of the Financial Advisor’s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pay a fee in exchange for the awards/ratings.
2021, 2022, 2023, and 2024 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2021,2022,2023,2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Securities Agent: SC, TX, MA, FL, CA, NJ, RI, AZ, WY, WA, CT, OH, MO, ME, NV, MN, HI, MI, NY, VT, NC, VA, NH, MD, DE, IL, PA, GA, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1297824
NMLS#: 1297824
About James Coleman
James joined the firm in 2020 and brings multiple years of experience in the industry to the team. As a member of The Marathone Group, James is a Financial Advisor and Financial Planning Specialist focused on constructing personalized wealth planning solutions tailored to helping achieve our clients’ long term financial goals. He leverages the full suite of Morgan Stanley’s resources to design an investment strategy that is most appropriate for each client’s circumstance. Prior to joining Morgan Stanley, James began his career at Merrill Lynch, where he worked on a team that serviced a similar clientele profile.
James graduated from the University of Mississippi receiving his B.A. degree in Finance. James is originally from the San Francisco Bay Area and is an avid skier and golfer. In his free time, he enjoys watching and playing sports, spending time with family and friends, and attending live music concerts. He currently resides in the Chelsea area of New York City.
James graduated from the University of Mississippi receiving his B.A. degree in Finance. James is originally from the San Francisco Bay Area and is an avid skier and golfer. In his free time, he enjoys watching and playing sports, spending time with family and friends, and attending live music concerts. He currently resides in the Chelsea area of New York City.
Securities Agent: OR, OK, OH, NY, AK, AL, AR, AZ, CA, CO, CT, ND, NE, NH, NJ, NM, NV, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, WY, WV, WI, WA, VT, VI, VA, UT, TX, TN, SC, RI, PR, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1769820
NMLS#: 1769820
About Julian Greco
Julian Greco is a Registered Associate with the Marathone Group. He has over three years in the wealth management business and has been with Morgan Stanley since 2019.
He began his career in 2019 when joining Morgan Stanley and the Marathone Group. Julian has since passed his FINRA licensing, now attaining a series 7 and series 66. He has a deep interest in following world news and deciphering how it impacts economies and business. From this, he takes great pride in generating meaningful research that translates into sound client advice. Julian focuses on taking a hands-on approach for active client management when discussing markets outlooks and new trade ideas with clients.
The Marathone Group pride themselves on helping keep their clients one step ahead of the game. Always remaining on call for clients, taking a proactive approach, and driving results through solution-based problem-solving. Their combined dedication and attention to detail are what can make the difference for the clients and their families' financial future.
Raised in the south Jersey area, Julian came from a caring family who put family above all else. He graduated from the University of Rutgers with a major in Business Management. Julian and his girlfriend enjoy traveling, exploring and plan to move back into the city this fall. In his free time, he values spending time with his family, friends, and girlfriend. As an adrenaline junkie who loves being outdoors, Julian spends time snowboarding, riding his motorcycle and traveling.
He began his career in 2019 when joining Morgan Stanley and the Marathone Group. Julian has since passed his FINRA licensing, now attaining a series 7 and series 66. He has a deep interest in following world news and deciphering how it impacts economies and business. From this, he takes great pride in generating meaningful research that translates into sound client advice. Julian focuses on taking a hands-on approach for active client management when discussing markets outlooks and new trade ideas with clients.
The Marathone Group pride themselves on helping keep their clients one step ahead of the game. Always remaining on call for clients, taking a proactive approach, and driving results through solution-based problem-solving. Their combined dedication and attention to detail are what can make the difference for the clients and their families' financial future.
Raised in the south Jersey area, Julian came from a caring family who put family above all else. He graduated from the University of Rutgers with a major in Business Management. Julian and his girlfriend enjoy traveling, exploring and plan to move back into the city this fall. In his free time, he values spending time with his family, friends, and girlfriend. As an adrenaline junkie who loves being outdoors, Julian spends time snowboarding, riding his motorcycle and traveling.
About Adam I. Nussen
Adam Nussen is a Senior Client Service Associate with The Marathone Group. He has over 18 years of wealth management experience and has been with Morgan Stanley since 2003.
He began his career in the financial industry back in 2003, as an intern at Smith Barney. Adam greatly enjoyed the culture and the team environment he experienced early on in his career with the firm. During the merger in 2009 with Morgan Stanley, Adam continued with the firm and joined the Marathone group.
Adam seeks to provide an exceptional level of administrative support to the team while building long-term client relationships. Adam graduated from Plattsburgh State University in 2003, with a major in Business Marketing, and a minor in Business Analytics.
Adam takes great pride in spending time with his family. He enjoys quality time with his spouse and two children. In his free time, Adam focuses on coaching his son’s baseball team and helping him with his swimming lessons. As well, he enjoys watching his sports teams, the New York Jets and Rangers. Adam has been married for 14 years with two sons, Jason and Zachary.
He began his career in the financial industry back in 2003, as an intern at Smith Barney. Adam greatly enjoyed the culture and the team environment he experienced early on in his career with the firm. During the merger in 2009 with Morgan Stanley, Adam continued with the firm and joined the Marathone group.
Adam seeks to provide an exceptional level of administrative support to the team while building long-term client relationships. Adam graduated from Plattsburgh State University in 2003, with a major in Business Marketing, and a minor in Business Analytics.
Adam takes great pride in spending time with his family. He enjoys quality time with his spouse and two children. In his free time, Adam focuses on coaching his son’s baseball team and helping him with his swimming lessons. As well, he enjoys watching his sports teams, the New York Jets and Rangers. Adam has been married for 14 years with two sons, Jason and Zachary.
Contact Adam J Darrow
Contact James Coleman
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
Craig Champagnie
Private Banker
Colin Brady, CFP®
Financial Planning Director, Vice President
Mary Beth Powers
Trust Specialist
About Craig Champagnie
Craig Champagnie is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Craig began his career in financial services in 2005, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker, Business Banker, and Branch Manager at the JP Morgan Chase Bank.
Craig is a graduate of the The State University of New York, Stony Brook, where he received a Bachelor of Arts in Economics. He lives in Wantagh, New York with his family. Outside of the office, Craig donates his time to The SIFMA Foundation. He enjoys fitness training and playing golf, football and basketball.
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.
Craig began his career in financial services in 2005, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker, Business Banker, and Branch Manager at the JP Morgan Chase Bank.
Craig is a graduate of the The State University of New York, Stony Brook, where he received a Bachelor of Arts in Economics. He lives in Wantagh, New York with his family. Outside of the office, Craig donates his time to The SIFMA Foundation. He enjoys fitness training and playing golf, football and basketball.
NMLS#: 626539
About Colin Brady
Colin Brady is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management office at 399 Park Ave in New York City. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Colin began his career in financial services in 2011 and joined Morgan Stanley in 2022. Prior to his current position, he spent the last 5 years working as a Wealth Management Advisor with TIAA. In his time at TIAA, he advised clients in various financial planning needs such as retirement, asset management, income generation, estate & legacy planning, and charitable giving.
Colin graduated from Pace University and holds his Certified Financial Planner® designation. Colin lives in Stewart Manor, New York with his wife, Lauren, and his son, Liam. Outside of work, Colin enjoys spending time with his family, cooking and golfing.
Colin began his career in financial services in 2011 and joined Morgan Stanley in 2022. Prior to his current position, he spent the last 5 years working as a Wealth Management Advisor with TIAA. In his time at TIAA, he advised clients in various financial planning needs such as retirement, asset management, income generation, estate & legacy planning, and charitable giving.
Colin graduated from Pace University and holds his Certified Financial Planner® designation. Colin lives in Stewart Manor, New York with his wife, Lauren, and his son, Liam. Outside of work, Colin enjoys spending time with his family, cooking and golfing.
About Mary Beth Powers
Mary Beth Powers is Executive Director and Trust Specialist for Morgan Stanley covering the New York Metro region, responsible for presenting Morgan Stanley’s third-party trustee partner platform to Morgan Stanley Wealth Management Financial Advisors, clients and prospects. Leveraging the capabilities of our trust company partners, Mary Beth assists to identify appropriate fiduciary solutions, which are essential to the management, preservation and transfer of accumulated wealth. This process includes coordination with the client’s financial, legal and tax advisors to ensure proper trust planning implementation.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
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
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
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Marathone 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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.
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 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.
7The 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.
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 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 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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.
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 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.
7The 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.
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 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 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)
