Phone:
(256) 552-9437(256) 552-9437
The Market Street Group at Morgan Stanley
Direct:
(256) 552-9436(256) 552-9436
Toll-Free:
(800) 223-3758(800) 223-3758
Our Mission Statement
Empowering clients to achieve their financial goals through personalized guidance and planning to create a secure and prosperous future for individuals and families.
About Us
At the Market Street Group, our team helps you define and meet your goals through a comprehensive planning process. With a focus on financial planning, we design investment plans based on your unique situation, to grow and preserve your wealth for future goals and generations. Goals-Based Wealth Management: Our process starts with assessing your family’s complete financial picture, so that we can optimize an investment plan based on your unique needs and goals. We design and implement an investment plan that addresses your estate and tax planning issues, as well as offering a full suite of lending and cash management solutions. Investment Process: We implement an investment process based on your goals and risk tolerance to create a portfolio that is appropriate for you. Through our firm’s extensive research and intellectual capital, we have access to a diverse lineup of investments that we utilize to design portfolios. Full Suite of Services: Working closely with our Private Banker, clients have a robust cash management platform to manage their day to day finances and lending needs.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
5 Steps to Financial Planning
By putting our client's interests first, our team of professionals help grow and preserve your wealth efficiently. Through our collaborative planning process, we implement financial plans tailored to the unique and evolving needs of each client.
Here is a look at our 5- step approach:
Here is a look at our 5- step approach:
Step 1: Introductory Meeting
Our relationship begins with an initial conversation aimed towards getting to know about you, your lifestyle, and goals for the future.
Step 2: Discovery Meeting
During our discovery meeting we will work together to establish your financial goals by reviewing your current financial situation. We will then develop a suitable risk tolerance that will ultimately help you achieve the outcome you envision for yourself.
Step 3: Financial Plan
Creating a financial plan maps out essential factors that play into your financial success. Examining all relevant financial information provides a holistic asset allocation analysis ensuring a comprehensive plan.
Step 4: Plan Implementation
This step focuses on creating prospective strategies designed for your specific needs. Recommended changes could include: logistics, tax impact, asset allocation adjustments, and savings and benefit modifications
Step 5: Monitoring & Tracking Performance
Finally, in this last step we will constantly be monitoring your assets and and analyzing your performance data. This will ensure your financial expectations are being met or adjusted if necessary. We will maintain a high level of communication with you to make sure your requests and concerns are always being addressed properly.
CERTIFIED FINANCIAL PLANNER - The Market Street Group
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional's ability in helping clients achieve their goals. The Market Street Group's diverse skillsets can help can help clients navigate the complicated financial factors in their life. See below for more information about the CFP designation and how we can help:
Education
The CFP® professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
Examination
The CFP® professional must pass the 7 hour comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.
Experience
All CFP® professionals are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP® trademarks.
Ethics
The CFP® professional is obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outline in the CFP® Board's Code of Ethics. The Rules of Conduct require the CFP® professional to put the client's interest first at all times.
ALWAYS BY YOUR SIDE
Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services best fit for each individual client.
At the Market Street Group, we work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Properly manage risk
- Tax effecient advanced strategies
The solutions we recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today's fast-paced world. We are here to help you make informed decisions on any financial issue you face.
Our Clients Include
- Families Spanning Multiple Generations
- Retirees and Individuals Planning for Retirement
- Professionals and Small Business Owners
- Referrals from Existing Clients
The Market Street Update
This is where we bring you all things Market Street Group. From firm events to team updates and newsletters, check in with this tab regularly to stay well informed.
Richard Sanders - Certified Private Wealth Advisor
Congratulations to Richard on successfully completing the CPWA® exam this month! Another testament to the team's dedication by expanding their knowledge to better serve clients.
Newsletter- June 2024
Click Here to View
Newsletter- October 2023
Click Here to ViewLocation
300 Market Street NE
Suite 101
Decatur, AL 35601
US
Direct:
(256) 552-9436(256) 552-9436
Toll-Free:
(800) 223-3758(800) 223-3758
3500 Colonnade Parkway
Suite 200
Birmingham, AL 35243
US
Direct:
(205) 969-7027(205) 969-7027
Meet The Market Street Group
Phone:
(205) 969-7027(205) 969-7027
Kelsey-Rae Walling
Client Service Associate
Phone:
(256) 552-9436(256) 552-9436
About Don Barthel
Don initially entered the financial services industry from the consulting engineering business as a result of his interest in solving financial problems for business owners and families. What keeps him in this business are the relationships he has built serving clients and their families, many of whom have had life changing events and needed guidance as well as financial strategies.
Don has a long history of helping guide clients and their families with investment planning, retirement planning, and broad aspects of wealth management. He has significant experience addressing the complex needs of high net worth clients and Wealth transition. He holds a Certified Financial Planner™ (CFP®) designation and a Wealth Advisor certification.
He holds a BS in Petroleum Engineering from Louisiana State University and completed an MBA at Auburn University.
Don and his wife Mary Allen, whom he considers “his greatest asset entrusted to him”, have three children, and four grandchildren. “Family is the most important “sector” in my life and I find that to be true with most of the clients that our team serves.”
Don has a long history of helping guide clients and their families with investment planning, retirement planning, and broad aspects of wealth management. He has significant experience addressing the complex needs of high net worth clients and Wealth transition. He holds a Certified Financial Planner™ (CFP®) designation and a Wealth Advisor certification.
He holds a BS in Petroleum Engineering from Louisiana State University and completed an MBA at Auburn University.
Don and his wife Mary Allen, whom he considers “his greatest asset entrusted to him”, have three children, and four grandchildren. “Family is the most important “sector” in my life and I find that to be true with most of the clients that our team serves.”
Securities Agent: VA, SC, IN, TN, MS, WA, UT, MI, MA, DC, NC, LA, CO, AL, NM, MO, CA, AZ, IL, FL, WI, OK, OH, TX, NY, NJ, MT, MD, KY, GA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1312853
NMLS#: 1312853
About Richard Nolan Sanders
Richard works with clients to create a comprehensive financial plan that is personalized to their specific long-term goals and risk tolerance. Through a collaborative planning process with clients, he builds plans to meet client goals, such as investing for retirement, college expenses, and transitioning wealth to the next generation.
Richard joined Morgan Stanley as a Financial Advisor in 2013. Prior to joining the firm, Richard served as a financial analyst for International Paper in Memphis. He attended the University of Alabama, where he graduated with Honors with a B.A. in Finance and Economics, and also earned his Masters in Business Administration. Richard is a current member of the Shades Valley Rotary club, and is a Past President of the Exceptional Foundation Junior Board. He also enjoys volunteering at Children's of Alabama. In his free time, Richard enjoys hiking or reading a new book.
Richard and his wife Lucy have two children.
Richard joined Morgan Stanley as a Financial Advisor in 2013. Prior to joining the firm, Richard served as a financial analyst for International Paper in Memphis. He attended the University of Alabama, where he graduated with Honors with a B.A. in Finance and Economics, and also earned his Masters in Business Administration. Richard is a current member of the Shades Valley Rotary club, and is a Past President of the Exceptional Foundation Junior Board. He also enjoys volunteering at Children's of Alabama. In his free time, Richard enjoys hiking or reading a new book.
Richard and his wife Lucy have two children.
Securities Agent: TN, PA, AL, NY, NM, MI, MD, UT, TX, NJ, LA, IN, AZ, NC, FL, CO, MS, SC, DC, CA, WA, VA, MT, MA, KY, GA, WI, OK, OH, MO, IL, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1297856
NMLS#: 1297856
About Kelsey-Rae Walling
“I joined the Market Street Group in July of 2021. It has been so rewarding to assist people in setting and achieving financial goals. The relationships built the clients and our team are my top priority. Maya Angelou once said, ‘People will forget what you said, people will forget what you did, but people will never forget how you made them feel.’ It is for this reason that I hope to make everyone who steps through our door feel at home, comfortable and cared for when meeting with our team.”
Kelsey-Rae holds a Bachelors Degree in Public Relations from Jacksonville State University. She worked as a marketing professional for local non-profits before moving into financial planning.
Kelsey-Rae enjoys leading her church worship team as well as spending time with her family, especially her 2 year old niece Mattaline-Faye. ‘Family is the most important aspect of my life. They’re my support system and my all-time favorite human beings. I can’t imagine how dull my life would be without my favorite goof-balls!’
Kelsey-Rae holds a Bachelors Degree in Public Relations from Jacksonville State University. She worked as a marketing professional for local non-profits before moving into financial planning.
Kelsey-Rae enjoys leading her church worship team as well as spending time with her family, especially her 2 year old niece Mattaline-Faye. ‘Family is the most important aspect of my life. They’re my support system and my all-time favorite human beings. I can’t imagine how dull my life would be without my favorite goof-balls!’
Contact Don Barthel
Contact Richard Nolan Sanders
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
Debbie Booth
Senior Private Banker
Michael Wagner, MBA, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Family Wealth Director, Workplace Advisor - Equity Compensation, Lending Specialist
About Debbie Booth
Debbie Booth is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Alabama, Arkansas, and Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Debbie began her career in financial services in 1987 and joined Morgan Stanley in 2010 as a Senior Private Banker. Prior to joining the firm, she held many roles including Wealth Management Banker, Banking Center Manager, and Retail Mortgage Manager at Bank of America/Merrill Lynch.
Debbie and her family reside in Gulf Breeze, Florida. She is an active member of the community by volunteering her time with March of Dimes, Women’s Build with Habitat for Humanity and Manna Food Bank. When not in the office, she enjoys watching football, going to the beach, and spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Debbie began her career in financial services in 1987 and joined Morgan Stanley in 2010 as a Senior Private Banker. Prior to joining the firm, she held many roles including Wealth Management Banker, Banking Center Manager, and Retail Mortgage Manager at Bank of America/Merrill Lynch.
Debbie and her family reside in Gulf Breeze, Florida. She is an active member of the community by volunteering her time with March of Dimes, Women’s Build with Habitat for Humanity and Manna Food Bank. When not in the office, she enjoys watching football, going to the beach, and spending time with her family.
NMLS#: 801310
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
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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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
Are You Prepared for Tax Day?
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Ready to start a conversation? Contact The Market Street 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.
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.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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 and other legal matters.
6Morgan 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
7Alternative 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.
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.
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.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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 and other legal matters.
6Morgan 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
7Alternative 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.
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)
