Managing Director, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(617) 570-9263(617) 570-9263
The Marinelli Group at Morgan Stanley
Domenic MarinelliJillian M. MacKinnon, CFP®Andrew E. Fotos, CEPA®Courtney Shane, CFP®Callie WaselGarret RussellRyan Sullivan
Direct:
(617) 570-9263(617) 570-9263
Toll-Free:
(800) 235-1205(800) 235-1205
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Our Story and Services
Managing wealth for the "why" in your life
Wealth management isn't just about investing. In fact, at the Marinelli Group at Morgan Stanley, it really isn’t even entirely about money.
Instead, wealth management is about taking care of your family … or ensuring the education of future generations … or making a serious commitment to your most cherished cultural institution or charity. Or living a comfortable, confident retirement.
To us, wealth management means taking a comprehensive view of your life … and creating short-, medium-, and long-term plans that align your finances with the things that are most important to you.
That’s why we do our best work when we understand not just our client’s goals – but also who they are, what they care about, what scares them, what makes them happy.
Of course, we proactively manage client portfolios. But we also create strategies designed to help protect your assets, ensure that each decision aligns with your goals, use your wealth to live the life you want … and help you live your life with confidence.
At the Marinelli Group, we don’t believe in transactional relationships. We believe in wealth management based on both opportunities and obstacles, so your wealth facilitates the “why” in your life.
Wealth management isn't just about investing. In fact, at the Marinelli Group at Morgan Stanley, it really isn’t even entirely about money.
Instead, wealth management is about taking care of your family … or ensuring the education of future generations … or making a serious commitment to your most cherished cultural institution or charity. Or living a comfortable, confident retirement.
To us, wealth management means taking a comprehensive view of your life … and creating short-, medium-, and long-term plans that align your finances with the things that are most important to you.
That’s why we do our best work when we understand not just our client’s goals – but also who they are, what they care about, what scares them, what makes them happy.
Of course, we proactively manage client portfolios. But we also create strategies designed to help protect your assets, ensure that each decision aligns with your goals, use your wealth to live the life you want … and help you live your life with confidence.
At the Marinelli Group, we don’t believe in transactional relationships. We believe in wealth management based on both opportunities and obstacles, so your wealth facilitates the “why” in your life.
Services Include
- Wealth PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Retirement PlanningFootnote3
- Stock Plan ServicesFootnote4
- 401(k) Rollovers
- Business PlanningFootnote5
- Trust AccountsFootnote6
- Qualified Retirement PlansFootnote7
- Planning for Education FundingFootnote8
- Asset Management
- Executive Financial ServicesFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Cash Management and Lending ProductsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards
Named to the 2024 Forbes Best-In-State Wealth Advisors List in Massachusetts- Ranking 3rd in the state
Named to the 2024 Forbes Best-In-State Wealth Management Teams
Named to the 2023 Barron's Top 1200 Financial Advisors- Ranking 19 in Massachusetts
Named to the 2023 Forbes Best-In-State Wealth Management Teams
Named to the 2022 Barron's Top 1200 Financial Advisors- Ranking 20 in Massachusetts
Recognized by Forbes Best-In-State Wealth Advisors List in Massachusetts 2018-2022
Named to 2014 Financial Times Top 400 Financial Advisers in the U.S.
Morgan Stanley Chairman's Club Member 2015-2023
Morgan Stanley President's Club Member 2011-2014
About Clients
Introduction
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
Getting To Know You
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
Financial Planning and Analysis
Here, we utilize financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve, allocate, and transfer your wealth.
Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon approval and agreement, we implement the strategies that we’ve discussed. These often encompass tax minimization strategies, risk management, estate planning techniques as well as allocation of capital. That includes traditional and alternative investment classes.
Ongoing Service
Committed to premium services, we focus on developing a relationship that provides a unique experience to you and your family. As we implement the strategy, you will have full online access. And because market and personal needs evolve over time, we set up ongoing meeting to ensure your plan remains on track to achieve your evolving goals.
Family Wealth Planning
Estate Planning Strategies
Working with our wealth centers team we look at all aspects of an individual's estate to understand the potential estate planning attributes of the vehicles. The goal is to make more informed investment decisions for the client by looking at their estate plan holistically.
Learn More
Estate Planning Toolkit
The Estate Planning toolkit is a great way to get familiar with the many techniques and strategies that can be implemented for high net worth individuals and their families. Included in the document below are 10 chapters covering various trust structures, and gifting strategies that can be considered for each level of wealth.
Learn More
Family Wealth Resources: Best Practices
There is no simple formula to follow when creating or maintaining a single family office. In fact, some family offices are formed explicitly because the existing service models don’t sufficiently address the family’s unique needs. As a result,each single family office inevitably reflects the individual objectives, personalities and dynamics of the family that establishes it. This guidebook provides a broad survey of best practices across a wide variety of topics, addressing the key questions our clients raise most often.
Learn More
Tax Policy Updates and Planning Opportunities
Tax experts Joel Friedlander from EY and Brad Sprong from KPMG LLP, recently sat down with Morgan Stanley to share insights around President Biden’s tax proposals and actionable tax planning ideas you may want to consider. Listen to this audiocast to learn more.
Cybersecurity Resource Center
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and responds appropriately when they do.
The Firm is actively supporting a multitude of layers of security. Security includes the following; strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
The Firm is actively supporting a multitude of layers of security. Security includes the following; strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Cloud Computing
As companies accelerate the move toward cloud computing, cybersecurity challenges have unequivocally intensified. Learn how two key software markets are poised to converge to mitigate new threats.
Learn More
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Access Online Security Center
Cybersecurity for College Students
College students may not be too concerned about being a target for hackers. Find out why cybercriminals may prey on students and how they can protect themselves.
Learn More
Protecting your Digital Footprint
Worried about how much of your personal information is available online? See how you can manage your digital footprint.
Learn More
Cybercrime Preparedness
Was your email hacked? Your Social Security Number stolen? Do you know how to respond? Learn the steps to take if and when your identity, account, device or information is compromised.
Learn More
Phone Security
You likely spend more time each day on your smartphone than on your computer, but do you pay as much attention to protecting the security of your phone as your computer? Find out why you should.
Learn MoreLocation
28 State Street
35th Fl
Boston, MA 02109
US
Direct:
(617) 570-9263(617) 570-9263
Toll-Free:
(800) 235-1205(800) 235-1205
Meet The Marinelli Group
Vice President, Wealth Management, Financial Advisor, Executive Financial Services Director, Financial Planning Specialist, Workplace Advisor – Equity Compensation, Financial Wellness, Retirement
Phone:
(617) 570-9286(617) 570-9286
Phone:
(617) 570-9205(617) 570-9205
Courtney Shane, CFP®
First Vice President, Director of Business Strategy
Phone:
(617) 570-9470(617) 570-9470
Callie Wasel
Assistant Vice President, Wealth Management Associate, Financial Planning Associate
Phone:
(617) 570-9460(617) 570-9460
Garret Russell
Registered Associate
Phone:
(617) 570-2982(617) 570-2982
Ryan Sullivan
Registered Associate
Phone:
(617) 570-9260(617) 570-9260
About Domenic Marinelli
Domenic joined the predecessor firm of Morgan Stanley in 1994. For over 30 years, he has been providing highly customized advice and investment solutions to high net worth individuals, corporate executives, and successful business owners.
Domenic’s knowledge covers the entire spectrum of traditional and non-traditional asset classes. He advises clients on all aspects of wealth planning, including asset allocation, portfolio management, legacy and trust planning, risk management, and developing income strategies. Additionally, he has extensive experience working with corporate executives. Domenic has been able to effectively use 10b5-1 plans and tax-efficient strategies to integrate concentrated restricted stock positions and company stock options into a comprehensive wealth management strategy.
As a Financial Planning Specialist, Domenic is passionate about helping his clients achieve their financial goals. Under Domenic’s direction, his team works closely with each client to develop and implement solutions-based, comprehensive portfolios, with a specific emphasis on risk management. Through many market cycles, Domenic and his team have remained committed to helping simplify their clients’ investing lives and providing attentive client service.
Domenic earned his Bachelor of Science degree in Business Administration and his MBA, both with a concentration in Finance, from Suffolk University. He is Series 7, 63, 65 registered and holds Life and Health Insurance licenses.
Domenic was named to the 2024 Forbes Best-In-State Wealth Advisors List in Massachusetts- Ranking 3rd in the state as well as named to Forbes Best-in-State Wealth Management Teams for 2023 and 2024. In addition, Domenic was named to the prestigious Barron’s Top 1200 Financial Advisors list for 2022 and 2023. Domenic has been a member of Morgan Stanley Wealth Management’s distinguished Chairman’s Club since 2015 and was recognized by Financial Times as one of the top 400 Financial Advisers in the U.S. in 2014.
In his free time, Domenic serves on several non profit boards. Domenic lives on Boston’s north shore with his wife, Erica, and their 3 children.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2023
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2014) Data compiled by Financial Times based on time period from 9/30/12 - 9/30/13.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Domenic’s knowledge covers the entire spectrum of traditional and non-traditional asset classes. He advises clients on all aspects of wealth planning, including asset allocation, portfolio management, legacy and trust planning, risk management, and developing income strategies. Additionally, he has extensive experience working with corporate executives. Domenic has been able to effectively use 10b5-1 plans and tax-efficient strategies to integrate concentrated restricted stock positions and company stock options into a comprehensive wealth management strategy.
As a Financial Planning Specialist, Domenic is passionate about helping his clients achieve their financial goals. Under Domenic’s direction, his team works closely with each client to develop and implement solutions-based, comprehensive portfolios, with a specific emphasis on risk management. Through many market cycles, Domenic and his team have remained committed to helping simplify their clients’ investing lives and providing attentive client service.
Domenic earned his Bachelor of Science degree in Business Administration and his MBA, both with a concentration in Finance, from Suffolk University. He is Series 7, 63, 65 registered and holds Life and Health Insurance licenses.
Domenic was named to the 2024 Forbes Best-In-State Wealth Advisors List in Massachusetts- Ranking 3rd in the state as well as named to Forbes Best-in-State Wealth Management Teams for 2023 and 2024. In addition, Domenic was named to the prestigious Barron’s Top 1200 Financial Advisors list for 2022 and 2023. Domenic has been a member of Morgan Stanley Wealth Management’s distinguished Chairman’s Club since 2015 and was recognized by Financial Times as one of the top 400 Financial Advisers in the U.S. in 2014.
In his free time, Domenic serves on several non profit boards. Domenic lives on Boston’s north shore with his wife, Erica, and their 3 children.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2023
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2014) Data compiled by Financial Times based on time period from 9/30/12 - 9/30/13.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: NH, AR, WA, MO, MN, KS, FL, CT, TN, MD, IL, NV, MI, CO, VT, UT, AK, WI, PA, NM, MA, AL, VA, TX, SC, OR, NC, MT, GA, OH, NJ, NE, ME, CA, IN, SD, NY, IA, DE, DC, RI, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1218070
NMLS#: 1218070
About Jillian M. MacKinnon
Jillian is a Financial Advisor with The Marinelli Group at Morgan Stanley. She earned the designation of Financial Planning Specialist in 2013 and became a CERTIFIED FINANCIAL PLANNER™ in 2016.
Jillian works with clients to develop comprehensive financial plans using diversified asset allocations and progressive strategies designed to fit each individual’s short and long term goals. Jillian is dedicated to helping clients make informed, confident decisions about planning for their future.
Jillian joined Morgan Stanley in 2010. She earned a Bachelor of Arts degree in Business Communications and Accounting from Assumption College in Worcester, Massachusetts. She is FINRA licensed Series 7, 66, 31 and holds Life and Health insurance licenses. Jillian has been included as a member of Morgan Stanley Wealth Management's prestigious Pacesetter's Club since 2021.
Jillian currently resides on the South Shore of Massachusetts.
Jillian works with clients to develop comprehensive financial plans using diversified asset allocations and progressive strategies designed to fit each individual’s short and long term goals. Jillian is dedicated to helping clients make informed, confident decisions about planning for their future.
Jillian joined Morgan Stanley in 2010. She earned a Bachelor of Arts degree in Business Communications and Accounting from Assumption College in Worcester, Massachusetts. She is FINRA licensed Series 7, 66, 31 and holds Life and Health insurance licenses. Jillian has been included as a member of Morgan Stanley Wealth Management's prestigious Pacesetter's Club since 2021.
Jillian currently resides on the South Shore of Massachusetts.
Securities Agent: WY, WV, WI, WA, VT, VI, VA, TX, TN, SD, RI, PR, PA, OR, OK, OH, NY, NV, NM, NJ, NH, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, SC, CO, CA, AZ, UT, AR, AL, AK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1667644
NMLS#: 1667644
About Andrew E. Fotos
A Financial Advisor with 12 years of experience at Morgan Stanley, Andrew is committed to guiding his clients through every aspect of their financial lives. He believes that honesty and focusing on the facts are of utmost importance and he sees these principles as foundational to any successful investment strategy or financial plan.
Andrew began his career in financial services as an operations associate within Morgan Stanley’s branch management in Boston. As an intermediary between advisors and management, he saw firsthand the importance of exceptional client service, and the depth of Morgan Stanley’s product offerings.
Andrew works with individuals, families, and entrepreneurs to help them organize their financial lives, achieve their goals, and preserve their wealth.
In his free time, Andrew enjoys running, mountain biking, rock climbing, traveling, and spending time with his family. He lives in the suburbs west of Boston with his wife, daughter, son, and labradoodle.
Andrew began his career in financial services as an operations associate within Morgan Stanley’s branch management in Boston. As an intermediary between advisors and management, he saw firsthand the importance of exceptional client service, and the depth of Morgan Stanley’s product offerings.
Andrew works with individuals, families, and entrepreneurs to help them organize their financial lives, achieve their goals, and preserve their wealth.
In his free time, Andrew enjoys running, mountain biking, rock climbing, traveling, and spending time with his family. He lives in the suburbs west of Boston with his wife, daughter, son, and labradoodle.
Securities Agent: DC, VT, NM, NH, WI, WA, RI, PA, IL, IN, UT, OR, NY, NJ, GA, CO, NC, MO, AZ, TX, TN, NV, MN, MD, LA, OH, ID, KS, VA, ME, MA, MT, CT, CA, SC, MI, FL, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1775738
NMLS#: 1775738
About Courtney Shane
Courtney is responsible for developing and maintaining the teams service standard, used to provide you with the best possible client experience. In addition, she works closely with clients in the preparation and execution of their financial and wealth planning strategies. She holds a Bachelor's of Science Degree in Finance from Bryant University where she was also a member of the business fraternity, Delta Sigma Pi. Courtney is Series 7 and 66 registered, holds Life and Health Insurance licenses as well as the prestigious CERTIFIED FINANCIAL PLANNER™ designation.
Outside of work, Courtney is actively involved with the American Heart Association, she enjoys travel, cooking and currently resides in Windham, NH with her husband and their two young children.
Outside of work, Courtney is actively involved with the American Heart Association, she enjoys travel, cooking and currently resides in Windham, NH with her husband and their two young children.
About Callie Wasel
Callie runs the operations for the team. Her primary functions include client service, administration, practice management, and Financial Advisor support.
Most importantly, she maintains positive client relationships and experiences through proactive attention to and assistance with the client’s everyday financial needs.
Callie began working at Morgan Stanley in 2013 as a Service Associate in the Branch Operations Department. Prior to joining the firm, she worked in the Corporate Actions Department with Brown Brothers Harriman. She holds a Bachelor of Arts Degree in Economics from The College of the Holy Cross in Worcester, MA. Callie is Series 7, 63 and 66 registered. She also holds Life and Health Insurance Licenses.
Callie enjoys volunteering, baking, vacationing to the beach, and spending time with friends and family. She currently resides on the South Shore of Massachusetts with her husband and young son.
Most importantly, she maintains positive client relationships and experiences through proactive attention to and assistance with the client’s everyday financial needs.
Callie began working at Morgan Stanley in 2013 as a Service Associate in the Branch Operations Department. Prior to joining the firm, she worked in the Corporate Actions Department with Brown Brothers Harriman. She holds a Bachelor of Arts Degree in Economics from The College of the Holy Cross in Worcester, MA. Callie is Series 7, 63 and 66 registered. She also holds Life and Health Insurance Licenses.
Callie enjoys volunteering, baking, vacationing to the beach, and spending time with friends and family. She currently resides on the South Shore of Massachusetts with her husband and young son.
About Garret Russell
Garret assists in running the daily operations for the team. His functions include: dedicated client service, administrative duties, and overall team support. His primary goal is to provide top-tier service to clients and process requests in a timely manner.
Garret started his career with Morgan Stanley in 2019 as a Service Associate in the New Haven, Connecticut office. He then transferred to the Boston office to join The Marinelli Group in August of 2020. Garret holds a Bachelor of Science degree with a focus in Finance from Quinnipiac University in Hamden, CT. He is Series 7 and 66 registered.
In his free time, Garret enjoys watching and participating in various sports, kayaking, reading, and spending time with family and friends. He currently resides in South Boston, MA.
Garret started his career with Morgan Stanley in 2019 as a Service Associate in the New Haven, Connecticut office. He then transferred to the Boston office to join The Marinelli Group in August of 2020. Garret holds a Bachelor of Science degree with a focus in Finance from Quinnipiac University in Hamden, CT. He is Series 7 and 66 registered.
In his free time, Garret enjoys watching and participating in various sports, kayaking, reading, and spending time with family and friends. He currently resides in South Boston, MA.
About Ryan Sullivan
Ryan joined The Marinelli Group in September 2024. In his role as Registered Associate, Ryan handles administrative and operational tasks for the team and clients. Ryan is FINRA licensed and holds the SIE, Series 7, Series 66 and health and life insurance. He seeks to be a resource for clients by providing service while also building and maintaining client relationships.
Ryan holds a Bachelor of Business of Science in Business Administration degree with a focus in finance and economics from Stonehill College. In his free time, Ryan enjoys playing golf and spending time with family and friends. He currently resides in West Bridgewater, MA.
Ryan holds a Bachelor of Business of Science in Business Administration degree with a focus in finance and economics from Stonehill College. In his free time, Ryan enjoys playing golf and spending time with family and friends. He currently resides in West Bridgewater, MA.
Contact Domenic Marinelli
Contact Jillian M. MacKinnon
Contact Andrew E. Fotos
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
Thomas M Bass
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
Michael Gallagher
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
James R Fucigna
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director, Executive Financial Services Director, Family Wealth Director, Financial Wellness Director
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Marinelli 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
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.
7When 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.
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
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.
7When 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.
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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
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), 3582895 (6/2024)
