First Vice President, Financial Advisor, Portfolio Management Director, Alternative Investments Director, Insurance Planning Director
The Market Square Group at Morgan Stanley
Direct:
(603) 422-8909(603) 422-8909
Toll-Free:
(888) 274-4944(888) 274-4944
Our Mission Statement
Multigenerational Solutions for Long-Standing Financial Wellness
Welcome
As seasoned wealth management professionals, we understand what it takes to help achieve personal and professional goals. We know the hardships you must face and the decisions you must make. However, our professional team is determined to take advantage of opportunities in an effort to grow your wealth. We’ve built our practice over the past 34 years around customized financial solutions for people just like you.
Our clients believe, as we do, in the importance of building a long-term relationship with their financial advisors. We take great pride in our ability to truly listen to clients, so that we may clearly articulate their goals and create a customized roadmap that helps ensure financial success, often over multiple generations. Above all, they rely on our personal style, which is both respectful and communicative as we work together to develop expectations about risk and reward in today’s complex marketplace.
Our mission is to empower you to be confident in your financial decisions through education and understanding. We are committed to helping you grow and preserve your assets, while inspiring a level of confidence that enables you to spend less time worrying about your finances and more time enjoying your life and your family. We know how hard you are working to achieve your goals, and we will do whatever it takes to help ensure your wealth can lead to continued prosperity.
Our holistic approach focuses on helping you achieve life’s greatest goals. Providing meaningful guidance on financial matters to help meet the needs of your parents and/ or your children; striving to enable you to enjoy a comfortable and secure retirement and helping you leave a lasting legacy for your loved ones and causes that you care most about.
Our clients believe, as we do, in the importance of building a long-term relationship with their financial advisors. We take great pride in our ability to truly listen to clients, so that we may clearly articulate their goals and create a customized roadmap that helps ensure financial success, often over multiple generations. Above all, they rely on our personal style, which is both respectful and communicative as we work together to develop expectations about risk and reward in today’s complex marketplace.
Our mission is to empower you to be confident in your financial decisions through education and understanding. We are committed to helping you grow and preserve your assets, while inspiring a level of confidence that enables you to spend less time worrying about your finances and more time enjoying your life and your family. We know how hard you are working to achieve your goals, and we will do whatever it takes to help ensure your wealth can lead to continued prosperity.
Our holistic approach focuses on helping you achieve life’s greatest goals. Providing meaningful guidance on financial matters to help meet the needs of your parents and/ or your children; striving to enable you to enjoy a comfortable and secure retirement and helping you leave a lasting legacy for your loved ones and causes that you care most about.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Asset Management
- Retirement PlanningFootnote3
- Business Succession PlanningFootnote4
- Endowments and FoundationsFootnote5
- Executive Benefit ServicesFootnote6
- Life InsuranceFootnote7
- Philanthropic Services
- Planning for Education FundingFootnote8
- Alternative InvestmentsFootnote9
- Municipal BondsFootnote10
- Long Term Care InsuranceFootnote11
- Estate Planning StrategiesFootnote12
- 401(k) Rollovers
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Solutions and Strategies to Fit Your Needs
With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you achieve your goals by working with you and your other trusted advisors, and by combining our financial insights with the global resources of Morgan Stanley.
Financial Planning
Thorough, thoughtful financial planning-planning that analyzes where you are as well as where you want to go-is one of the most important steps in establishing a path to your goals. We will work with you to explore and help define your objectives and needs, and then structure your financial plan.
Asset Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets. You can rely on us for objective, strategic advice in structuring your portfolio and for careful analysis of any investments we consider together.
Retirement Planning
One of our key areas of proficiency is helping individuals review their options for corporate retirement plans. We help you manage the complexities of your defined contribution or defined benefit plan assets into a holistic view, so you can begin to transition easily into the next phase of your life.
Planning for Education Funding
The higher cost of higher education has been well-documented, but fortunately, there are a variety of solutions available to help you meet the challenge. The earlier you begin planning, the more successful you're likely to be. We can help you determine how much you'll have to save and whether such vehicles as Education Savings Accounts and 529 College Savings Plans might have a place in your children's or grandchildren's futures.
Alternative Investments
Morgan Stanley Investment Management is a leading provider of alternative investment strategies with expertise that spans across private equity, private credit, hedge funds, real estate, infrastructure and managed futures markets. We are dedicated to serving the unique needs of financial advisors and their clients by delivering exceptional portfolios and custom alternative investment programs.
Estate Planning Strategies
Estate planning provides for the management or disposition of property on death or incapacity. In addition, estate planning should include documentation that will enable health care decisions to be made during incapacity. Estate planning may minimize transfer taxes, maximize the benefits of giving to charity, and allow the retention of some control over gifted property. Which estate planning strategies are employed (and when) depends on one’s particular circumstances, priorities and goals.
Business Succession
Ownership of a business frequently represents years, if not decades, of hard work and entrepreneurial savvy. Still, even the most astute business owners are often unfamiliar with the complexities and meticulous preparation that must go into a successful succession strategy. We understand your succession in the context of your overall financial picture and can help align the connections between your personal objectives and business ambitions.
Wealth Management
Wealth management brings together virtually all of the dimensions of your life. We will work with you to understand the connections across your personal life, your family, your business and your legacy goals, and work with your other trusted advisors-or introduce you to our network of professionals-to help you develop a strategy to position your portfolio appropriately.
The Market Square Group is proud to host you at any of our upcoming Market Round Table discussions for timely market perspectives and insights
Understanding Social Security
Date: 10/23/2024
Time: 5:30 p.m. to 6:30 p.m.
Please contact Meredith Anderson or Daniel Lyons to RSVP:
Meredith Anderson:
Meredith.Anderson@morganstanley.com
603.422.8929
Daniel Lyons:
Daniel.Lyons@morganstanley.com
603.422.8943
Understanding Social Security InviteTime: 5:30 p.m. to 6:30 p.m.
Please contact Meredith Anderson or Daniel Lyons to RSVP:
Meredith Anderson:
Meredith.Anderson@morganstanley.com
603.422.8929
Daniel Lyons:
Daniel.Lyons@morganstanley.com
603.422.8943
Cyber Security & Fraud Protection
Date: 11/13/2024
Time: 5:30 p.m. to 6:30 p.m.
Please contact Meredith Anderson or Daniel Lyons to RSVP:
Meredith Anderson:
Meredith.Anderson@morganstanley.com
603.422.8929
Daniel Lyons:
Daniel.Lyons@morganstanley.com
603.422.8943
Cyber Security and Fraud Protection InvitationTime: 5:30 p.m. to 6:30 p.m.
Please contact Meredith Anderson or Daniel Lyons to RSVP:
Meredith Anderson:
Meredith.Anderson@morganstanley.com
603.422.8929
Daniel Lyons:
Daniel.Lyons@morganstanley.com
603.422.8943
Retirement Income Planning
Date: 9/18/2024
Time: 5:30 p.m. to 6:30 p.m.
Please contact Meredith Anderson or Daniel Lyons to RSVP:
Meredith Anderson:
Meredith.Anderson@morganstanley.com
603.422.8929
Daniel Lyons:
Daniel.Lyons@morganstanley.com
603.422.8943
Retirement Income Planning InviteTime: 5:30 p.m. to 6:30 p.m.
Please contact Meredith Anderson or Daniel Lyons to RSVP:
Meredith Anderson:
Meredith.Anderson@morganstanley.com
603.422.8929
Daniel Lyons:
Daniel.Lyons@morganstanley.com
603.422.8943
Location
1 Harbour Place
Ste 125
Portsmouth, NH 03801
US
Direct:
(603) 422-8909(603) 422-8909
Toll-Free:
(888) 274-4944(888) 274-4944
Fax:
(603) 371-2417(603) 371-2417
Meet The Market Square Group
About Richard W Lyons
Richard W. Lyons is First Vice President, Portfolio Management Director and Alternative Investments Director with Morgan Stanley’s Wealth Management division. For more than 40 years, he has earned the reputation of providing highly customized advice, investment solutions, and wealth management services to high net worth individuals, business owners, foundations and endowments. He listens carefully to his clients’ goals, values and concerns, and works tirelessly in an effort to make a difference in their lives by providing holistic wealth planning services with passion and integrity.
Over the course of his long and rewarding career, Richard has had the unique opportunity to work for three global financial services firms: Kidder Peabody, UBS Financial and Morgan Stanley. This collective experience has provided him with a diverse set of skills and experience. In 2003, Richard joined Smith Barney as the Resident Manager of the Portsmouth, NH office. After the merger of Smith Barney and Morgan Stanley, Richard was the Branch Manager of the Portsmouth, NH office. In this role, he was responsible for cultivating a growing team of financial advisors whose products, solutions, and global insights deliver a differentiating service experience to their clients. Richard formed The Market Square Group at Morgan Stanley, a team providing customized solutions to investors.
A graduate of Colby College with a degree in Economics, Richard has continued to invest in his education throughout his career. In 2008, Richard was recognized as a Senior Portfolio Manager at Morgan Stanley and in 2012 he was again recognized as a Portfolio Management Director which enables him to manage client assets on a discretionary basis in the Portfolio Management program. This can be an important benefit for clients, as it avoids delays in making timely financial management decisions.
Richard is a current resident of Portsmouth with his wife, Joan, and their children, Daniel and Christina. A dedicated professional who spends long hours at work, he is also devoted to serving his community through his involvement in Rotary, the Holocaust and Human Rights Center of Maine and the Child Advocacy Center of Rockingham County. When Richard is not assisting clients or helping his local community, he enjoys golfing, skiing and spending time with family and friends.
Over the course of his long and rewarding career, Richard has had the unique opportunity to work for three global financial services firms: Kidder Peabody, UBS Financial and Morgan Stanley. This collective experience has provided him with a diverse set of skills and experience. In 2003, Richard joined Smith Barney as the Resident Manager of the Portsmouth, NH office. After the merger of Smith Barney and Morgan Stanley, Richard was the Branch Manager of the Portsmouth, NH office. In this role, he was responsible for cultivating a growing team of financial advisors whose products, solutions, and global insights deliver a differentiating service experience to their clients. Richard formed The Market Square Group at Morgan Stanley, a team providing customized solutions to investors.
A graduate of Colby College with a degree in Economics, Richard has continued to invest in his education throughout his career. In 2008, Richard was recognized as a Senior Portfolio Manager at Morgan Stanley and in 2012 he was again recognized as a Portfolio Management Director which enables him to manage client assets on a discretionary basis in the Portfolio Management program. This can be an important benefit for clients, as it avoids delays in making timely financial management decisions.
Richard is a current resident of Portsmouth with his wife, Joan, and their children, Daniel and Christina. A dedicated professional who spends long hours at work, he is also devoted to serving his community through his involvement in Rotary, the Holocaust and Human Rights Center of Maine and the Child Advocacy Center of Rockingham County. When Richard is not assisting clients or helping his local community, he enjoys golfing, skiing and spending time with family and friends.
Securities Agent: MI, MA, CT, CO, CA, WV, PA, NV, MO, MD, RI, ME, FL, DE, WI, SC, OH, NY, NH, MN, ID, VT, IL, AZ, UT, GA, WA, VA, NJ, TX; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 174636
CA Insurance License #: 0M21824
NMLS#: 174636
CA Insurance License #: 0M21824
About Daniel Lyons
Daniel Lyons is a Financial Advisor on The Market Square Group at Morgan Stanley. He has over 3 years of experience in the financial services industry and has been with the firm since 2018.
Blessed to have an extremely close family, growing up with his father and learning from his professional work ethic helped shape Daniel’s career today. Daniel graduated Marist College in Poughkeepsie, NY studying Finance, and started working alongside his father and Yvonne shortly after to help grow the business. Taking the time to fully understand his clients and their stories, Dan helps to create opportunities lasting for generations. Daniel is also passionate about learning and understanding family dynamics and sharing relevant solutions to help his clients achieve their goals.
Daniel and The Market Square Group take pride in their ability to hit every generation within a family and having defined continuity within their practice. The Team works with clients through multiple generations helping family grow their generational wealth.
Outside of the office, Daniel is involved deeply in his community, being a “Big Brother” in the Big Brothers Big Sisters of New Hampshire Program. He is a member of the Merrimack Valley Chapter of UNICO where he serves as the Vice President and is currently serving as the acting Communications Chair. Family is everything to Daniel, he enjoys sailing, boating, traveling, and other community activities that enable him and family to be together and with their friends.
Blessed to have an extremely close family, growing up with his father and learning from his professional work ethic helped shape Daniel’s career today. Daniel graduated Marist College in Poughkeepsie, NY studying Finance, and started working alongside his father and Yvonne shortly after to help grow the business. Taking the time to fully understand his clients and their stories, Dan helps to create opportunities lasting for generations. Daniel is also passionate about learning and understanding family dynamics and sharing relevant solutions to help his clients achieve their goals.
Daniel and The Market Square Group take pride in their ability to hit every generation within a family and having defined continuity within their practice. The Team works with clients through multiple generations helping family grow their generational wealth.
Outside of the office, Daniel is involved deeply in his community, being a “Big Brother” in the Big Brothers Big Sisters of New Hampshire Program. He is a member of the Merrimack Valley Chapter of UNICO where he serves as the Vice President and is currently serving as the acting Communications Chair. Family is everything to Daniel, he enjoys sailing, boating, traveling, and other community activities that enable him and family to be together and with their friends.
Securities Agent: ME, IL, UT, MI, ND, DE, RI, MT, MN, VT, PA, VA, CA, NY, NH, FL, WI, MD, MA, ID, WV, TX, SC, CT, AZ, NJ, WA, NV, OH, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1854978
NMLS#: 1854978
About Meredith Anderson
Drawing on more than 12 years of experience in the financial services industry, Meredith provides a wide range of services for our clients to ensure a more streamlined, effective, and easy experience. She is always available to answer account questions or solve a complex operational issue. Meredith is responsible for the day-to-day operational and administrative activities of the practice.
Highly adept at handling a broad range of responsibilities quickly and efficiently, Meredith enjoys providing what we call white glove service to every client. Working with investors since 2005, she not only knows how to help meet their specific needs, she knows how to anticipate them as well. She holds FINRA series 7 and 66 registrations.
She, along with her daughter Marissa, is a resident of Dover. In her leisure time, she enjoys traveling and cooking.
Highly adept at handling a broad range of responsibilities quickly and efficiently, Meredith enjoys providing what we call white glove service to every client. Working with investors since 2005, she not only knows how to help meet their specific needs, she knows how to anticipate them as well. She holds FINRA series 7 and 66 registrations.
She, along with her daughter Marissa, is a resident of Dover. In her leisure time, she enjoys traveling and cooking.
Contact Richard W Lyons
Contact Daniel Lyons
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 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 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 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 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.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
10Municipal 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
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 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 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.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
10Municipal 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
