F L Kirby
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(847) 604-7330(847) 604-7330
The Market Square Group at Morgan Stanley
Direct:
(847) 604-7307(847) 604-7307
Our Mission Statement
We understand the complexities of building and protecting wealth and deliver tailored planning and investment advice to strengthen your family’s financial security now . . .and for generations to come
Our Story
AT THE MARKET SQUARE GROUP, we combine excellence in portfolio management with financial planning skills and strategies. Our comprehensive and consultative approach focuses on your full financial needs – from putting your children through college and preparing for retirement to buying a second home and leaving a lasting legacy. Collaborating with a seasoned advisory team can help simplify your life, so you can focus on what truly matters to you and your family.
MEETING A BROAD RANGE OF CLIENT NEEDS
Over the years, we have cultivated a successful practice that serves a diverse group of clients:
• Families spanning multiple generations
• Retirees and individuals planning for retirement
• Busy professionals, business owners and corporate executives
• Individuals experiencing a significant life event, such as retirement or the sale of a business
• Referrals from existing clients
While each client has unique goals and circumstances, they all have one thing in common: The desire to simplify their finances and develop an integrated wealth strategy. We help them manage and protect their assets, so they may enjoy their wealth and leave the legacy they desire.
THE MARKET SQUARE GROUP ADVANTAGE
As an experienced team of caring advisors, we are committed to helping you navigate the distractions of challenging markets, while strengthening your family’s financial security now and for generations to come. Our strength lies in our ability to help you prevent financial mistakes and make sound investment decisions through ongoing education, a rigorous and detailed process and a commitment to doing the right thing.
We are proud of the services and solutions we provide our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
OUR CORE VALUES
The following core values distinguish us from other advisory teams and serve as our guiding principles.
1. CARING RELATIONSHIPS
Successful wealth management begins with personalized service and attention. We enjoy working with clients who value long-term, fully engaged relationships. The relationships we form are vital to our mission and span generations.
2. PERSONALIZED ADVICE, COMPREHENSIVE SOLUTIONS
As an experienced team, our priority is to help you prepare for all of life’s milestones and be your first call for all things financial. We manage all your assets and liabilities in one cohesive strategy and are happy to review outside investments – such as 401(k) plans – to help ensure your collective investments are working together to meet your goals. What’s more, we work in collaboration with your accountant, attorney and other professionals to build a comprehensive plan that encompasses all aspects of your life.
3. INVESTMENT EXCELLENCE
We have extensive experience as a portfolio manager, managing investments for corporations, high net worth families and other financial advisors at Morgan Stanley. You benefit from our knowledge and investment insights, yet you will never feel overwhelmed by technical jargon. We make it easy to ask questions and take the time to explain every concept to ensure you fully understand each strategy and recommendation.
4. SUPERIOR SERVICE
We emphasize communication, highly personalized service and transparency, so we always know what’s happening in your life, and you always know what’s happening with your wealth.
Information related to your external accounts is provided for informational purposes only. It is provided by third parties, including the financial institutions where your external accounts are held. Morgan Stanley does not verify that the information is accurate and makes no representation or warranty as to its accuracy, timeliness or completeness.
Financial Advisor(s) may not provide advice on any external account. Additional information about the services described above and offered on Morgan Stanley Online are in the applicable Terms and Conditions of Use.
MEETING A BROAD RANGE OF CLIENT NEEDS
Over the years, we have cultivated a successful practice that serves a diverse group of clients:
• Families spanning multiple generations
• Retirees and individuals planning for retirement
• Busy professionals, business owners and corporate executives
• Individuals experiencing a significant life event, such as retirement or the sale of a business
• Referrals from existing clients
While each client has unique goals and circumstances, they all have one thing in common: The desire to simplify their finances and develop an integrated wealth strategy. We help them manage and protect their assets, so they may enjoy their wealth and leave the legacy they desire.
THE MARKET SQUARE GROUP ADVANTAGE
As an experienced team of caring advisors, we are committed to helping you navigate the distractions of challenging markets, while strengthening your family’s financial security now and for generations to come. Our strength lies in our ability to help you prevent financial mistakes and make sound investment decisions through ongoing education, a rigorous and detailed process and a commitment to doing the right thing.
We are proud of the services and solutions we provide our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
OUR CORE VALUES
The following core values distinguish us from other advisory teams and serve as our guiding principles.
1. CARING RELATIONSHIPS
Successful wealth management begins with personalized service and attention. We enjoy working with clients who value long-term, fully engaged relationships. The relationships we form are vital to our mission and span generations.
2. PERSONALIZED ADVICE, COMPREHENSIVE SOLUTIONS
As an experienced team, our priority is to help you prepare for all of life’s milestones and be your first call for all things financial. We manage all your assets and liabilities in one cohesive strategy and are happy to review outside investments – such as 401(k) plans – to help ensure your collective investments are working together to meet your goals. What’s more, we work in collaboration with your accountant, attorney and other professionals to build a comprehensive plan that encompasses all aspects of your life.
3. INVESTMENT EXCELLENCE
We have extensive experience as a portfolio manager, managing investments for corporations, high net worth families and other financial advisors at Morgan Stanley. You benefit from our knowledge and investment insights, yet you will never feel overwhelmed by technical jargon. We make it easy to ask questions and take the time to explain every concept to ensure you fully understand each strategy and recommendation.
4. SUPERIOR SERVICE
We emphasize communication, highly personalized service and transparency, so we always know what’s happening in your life, and you always know what’s happening with your wealth.
Information related to your external accounts is provided for informational purposes only. It is provided by third parties, including the financial institutions where your external accounts are held. Morgan Stanley does not verify that the information is accurate and makes no representation or warranty as to its accuracy, timeliness or completeness.
Financial Advisor(s) may not provide advice on any external account. Additional information about the services described above and offered on Morgan Stanley Online are in the applicable Terms and Conditions of Use.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Insights & Resources
In today's fast-paced world, where information is constantly competing for our attention, our team is dedicated to cutting through the noise. We focus on delivering accurate, insightful perspectives to you in a clear and timely manner, ensuring you stay informed and empowered in your financial decisions.
The GIC Weekly
Read The Latest Report
On the Markets
Read The Latest Report
Thoughts on The Market
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Next Generation Resources
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Tax-Smart Strategies For Your Retirement
Read More
Andrew Slimmon's Take
View Here
Morgan Stanley Ideas Page Articles
View HereOur Process, Your Journey
Our process focuses on you, your family and your career or business – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions.
Step 1: Get to Know You
We begin with an in-depth conversation where we listen carefully to understand what is important to you and your family. We learn about the values that shape your decisions and identify any unique challenges or circumstances.
Step 2: Analyze and Assess
Next, we review your current and future financial situation, determine the likelihood of reaching your goals and address the impact of unexpected life events. We’ll discuss your situation and offer some initial recommendations. If we agree to move forward, we’ll transfer your assets to Morgan Stanley as we begin to develop your customized plan.
Step 3: Develop Your Plan
Here, we prepare a comprehensive wealth management plan that addresses your specific needs and goals. We develop a personalized strategy that not only includes investment and asset allocation recommendations, but incorporates important risk management strategies, as well as estate, trust and philanthropic solutions.
Step 4: Present and Implement
In this step, we present your plan in detail and explain why we are recommending each strategy. We discuss the pros and cons for each solution, refining your plan based on our discussions. Once approved by you, we begin to implement the strategies together. We believe in full transparency and will keep you involved in each step.
Step 5: Our Standard of Care
We oversee your progress and regularly review the performance of your plan through ongoing calls and meetings. We may recommend adjustments over time, due to changing market conditions or changes in your personal circumstances, to keep you on track towards achieving your goals.
Monthly Newsletters
Stay up to date throughout the year with the latest market updates and insightful knowledge through our monthly newsletters.
April 2025 Newsletter
In this edition, we want to share insights on the current market volatility and tariffs, as well as provide some Morgan Stanley resources that we found useful given that it's financial literacy month, while also reminding you to make those final IRA Contributions before the April 15th deadline.
Click to Read
March 2025 Newsletter
In this edition we put together a comprehensive guide for the upcoming tax season which includes: the 2024 and 2025 tax tables, mailing dates, and tax form access using your Morgan Stanley accounts to help you prepare for tax season, and included cybersecurity awareness resources.
Click to Read
February 2025 Newsletter
Introducing our new intern, Connor Sullivan, insights on the 2024 year in review, navigating the intricacies of estate planning, gift and estate tax overview, and the updated 2024 and 2025 tax tables.
Click to Read
September 2024 Newsletter
Introducing our autumn intern, Trip Gaston, historic bond performance during federal interest rate cuts, how you can help protect your estate from future transfer taxes, and more.
Click to Read
August 2024 Newsletter
Peter's latest experience as he sailed his 15th Chicago to Mackinac Island Regatta, protecting your retirement from market volatility, and a conversation starters to help address the difficult realities of old age or debilitating illness, particularly as it relates to finances.
Click to Read
July 2024 Newsletter
Introducing our Summer Inter, Mason Schultz, the benefits of having a financial plan, navigating real estate and homeownership, and a mid-year financial planning checklist.
Click to Read
June 2024 Newsletter
In this month's issue, we highlight FL's recent trip to Normandy for the D Day anniversary ceremony, Morgan Stanley's Midyear Investment Outlook, and keeping you on track with your investment goals.
Click to Read
May 2024 Newsletter
Financially smart ways to take money out of retirement accounts, how a growing 65-plus demographic in the U.S. is creating opportunities for senior living and healthcare solutions, and ways to save for education.
Click to Read
April 2024 Newsletter
Steve share his family tradition of home-made wine making, insights on tax smart strategies for retirement, and retirement tips for Millennials and Gen Z.
Click to Read
March 2024 Newsletter
Peter & FL meet members of the US Olympic Boxing team, 5 pieces of career advice from successful women in finance, and will AI plan your next vacation?
Click to Read
February 2024 Newsletter
Introducing our new intern, Mike Michaud, important tax mailing dates, and how AI is influencing the future of automobile manufacturing.
Click to Read
January 2024 Newsletter
Happy New Year! Our first newsletter of 2024 highlights FL's recent flying experience, the latest market updates, and six financially smart ways to start 2024.
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Morgan Stanley Online
MSO digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research.
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Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
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Financial Advisor teams.
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Financial Advisor teams.
Goal Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
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Aladdin
The Portfolio Risk Platform (PRP) is a state of the art wealth management platform providing real time analytics that enable financial advisors to identify and better understand risks in their clients’ portfolios.
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LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with you to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Client Profile DocumentLocation
207 E. Westminster Ave
Ste 300
Lake Forest, IL 60045
US
Direct:
(847) 604-7307(847) 604-7307
Meet The Market Square Group
Peter A. DuBois
Senior Vice President, Wealth Advisor, Portfolio Management Director
Phone:
(847) 604-7306(847) 604-7306
Steven J. Zimmerman, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(847) 604-7308(847) 604-7308
Monica Arnolde
Portfolio Associate
Phone:
(847) 604-7307(847) 604-7307
Myiesha Allen
Client Service Associate
Phone:
(847) 604-7302(847) 604-7302
About F L Kirby
F.L. Kirby is a Senior Vice President and Financial Advisor at The Market Square Group, who has been in the investment business for over 40 years. His career started in 1972 at E.F. Hutton, where he specialized in tax and portfolio management.
In 1976, F.L. moved his practice to the Chicago-based firm Rodman & Renshaw, where he was a principal and a board member for 22 years. F.L. joined Morgan Stanley in 2000, where he has since been awarded a position on the Chairman’s Club and has cultivated strong relationships with his clients.
F.L graduated from Norwich University and served as a helicopter pilot and Squadron Flight Leader for the 11th Cavalry in 1968 during the Vietnam War. He was the recipient of many honors, including the Distinguished Flying Cross and Bronze Star. He and his wife, Judy, currently reside in Lake Forest. They have three grown children. Outside of the office, F.L. enjoys playing golf.
In 1976, F.L. moved his practice to the Chicago-based firm Rodman & Renshaw, where he was a principal and a board member for 22 years. F.L. joined Morgan Stanley in 2000, where he has since been awarded a position on the Chairman’s Club and has cultivated strong relationships with his clients.
F.L graduated from Norwich University and served as a helicopter pilot and Squadron Flight Leader for the 11th Cavalry in 1968 during the Vietnam War. He was the recipient of many honors, including the Distinguished Flying Cross and Bronze Star. He and his wife, Judy, currently reside in Lake Forest. They have three grown children. Outside of the office, F.L. enjoys playing golf.
Securities Agent: NV, OH, OR, PA, TN, TX, VA, WA, WI, NY, RI, AL, AZ, CA, CO, CT, FL, IL, IN, KS, MA, MD, MI, MN, MO, MT, NH, NJ, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1282418
NMLS#: 1282418
About Peter A. DuBois
Peter A. DuBois is a Senior Vice President and Wealth Advisor at The Market Square Group. He brings over 30 years of analytical and technical investment experience to the team.
Peter began his career at Stotler Management Corp., a registered Commodity Trading Advisor. Peter managed the division and assisted with market analysis and trading decisions. In 1991, he joined Morgan Stanley as a broker in the Institutional Futures Division, handling overseas customers and high net worth individuals. Peter made the decision to enter the private wealth management division in 1993 for the opportunity to work more directly with families. Peter focuses on thoughtful strategies for building and preserving wealth.
Peter received his B.A. degree in Business from Lake Forest College and is currently a resident of Deerfield, where he lives with his wife, Ann, their two grown children, and their two rescued dogs. He is an avid reader, enjoys sailboat racing, and golf.
Peter began his career at Stotler Management Corp., a registered Commodity Trading Advisor. Peter managed the division and assisted with market analysis and trading decisions. In 1991, he joined Morgan Stanley as a broker in the Institutional Futures Division, handling overseas customers and high net worth individuals. Peter made the decision to enter the private wealth management division in 1993 for the opportunity to work more directly with families. Peter focuses on thoughtful strategies for building and preserving wealth.
Peter received his B.A. degree in Business from Lake Forest College and is currently a resident of Deerfield, where he lives with his wife, Ann, their two grown children, and their two rescued dogs. He is an avid reader, enjoys sailboat racing, and golf.
Securities Agent: NH, AL, AZ, CA, CO, CT, FL, IL, IN, KS, MA, MD, MI, MN, MO, MT, NJ, NM, NV, NY, OH, OR, PA, RI, TN, TX, UT, VA, WA, WI, DC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279034
NMLS#: 1279034
About Steven J. Zimmerman
Steven J. Zimmerman is a Senior Vice President and Financial Advisor at The Market Square Group with more than 26 years of industry experience.
A CERTIFIED FINANCIAL PLANNER™ (CFP) professional, Steve began his career in financial services in 1998 and has been in Lake Forest for over 20 years. In 2007, he joined Morgan Stanley and has been a valuable member of the firm ever since. Over the years, Steve has built a successful practice advising families on how to better understand and manage their wealth through the development and implementation of a comprehensive financial plan.
Steve earned his B.S. degree in Business Administration from Arizona State and his M.B.A. from Olivet Nazarene University. A strong believer in giving back, Steve is active with the Boy Scouts of America. He currently lives in Lake Forest with his wife, Viviana, and has four children. When he’s not assisting clients, you can find Steve enjoying sporting activities with his children and making his own wine.
A CERTIFIED FINANCIAL PLANNER™ (CFP) professional, Steve began his career in financial services in 1998 and has been in Lake Forest for over 20 years. In 2007, he joined Morgan Stanley and has been a valuable member of the firm ever since. Over the years, Steve has built a successful practice advising families on how to better understand and manage their wealth through the development and implementation of a comprehensive financial plan.
Steve earned his B.S. degree in Business Administration from Arizona State and his M.B.A. from Olivet Nazarene University. A strong believer in giving back, Steve is active with the Boy Scouts of America. He currently lives in Lake Forest with his wife, Viviana, and has four children. When he’s not assisting clients, you can find Steve enjoying sporting activities with his children and making his own wine.
Securities Agent: CT, WI, TN, RI, MO, IA, GA, OR, NJ, MN, CA, AL, NY, IN, IL, FL, AZ, OH, PA, NV, MT, MA, KS, CO, WA, VA, MD, NH, TX, NM, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1278900
NMLS#: 1278900
About Monica Arnolde
Monica Arnolde is a Wealth Management Associate at Morgan Stanley. With over 15 years at Morgan Stanley, Monica’s responsibilities include acting as a client liaison and supporting all aspects of the financial planning process such as daily account activity, documentation pertaining to client operations, trading, research and responding to client inquires. Monica received a B.S. in Ed from Northern Illinois University and joined Morgan Stanley in 2007. In her free time, Monica enjoys travel, spending time with family and volunteers at a variety of organizations during the year.
About Myiesha Allen
Myiesha Allen, a 20-year industry veteran, enjoys providing exceptional service to the individuals, families, and businesses we proudly serve. She joined Morgan Stanley in 2000 as a Service Associate in the operations department before becoming a Client Service Associate. Myiesha’s knowledge and experience in the industry, combined with her commitment to developing client relationships, continue to be the foundation of her success.
Myiesha enjoys spending quality time with family and the extracurricular adventures of her children.
Myiesha enjoys spending quality time with family and the extracurricular adventures of her children.
Contact F L Kirby
Contact Peter A. DuBois
Contact Steven J. Zimmerman
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
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
The Robots are Coming
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact The Market Square Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Smith Barney LLC 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
5Morgan 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.
6When 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Smith Barney LLC 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
5Morgan 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.
6When 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
