Thomas Markey
Managing Director, Wealth Management, Wealth Advisor
Phone:
(203) 967-7049(203) 967-7049
The Markey Group at Morgan Stanley
Direct:
(203) 967-7049(203) 967-7049
Toll-Free:
(800) 233-2353(800) 233-2353
Our Mission Statement
The Markey Group provides Financial Planning, Tax-Efficient Portfolio Construction and Liquidity Management services.
The Markey Group
Comprehensive wealth management takes a distinctive set of skills that go well beyond general financial planning and investment management. It takes a team of experienced professionals who have acquired the insights, wisdom and experience needed to tackle your family’s personal financial challenges.
With a deep history of client loyalty and enduring relationships, The Markey Group focuses on what is most important to you. We provide the skills, sophisticated strategies and disciplined process needed to help you make informed decisions about your future, your family and your finances with clarity and confidence.
Tom, TJ, Dave and Ted use their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience can potentially be. The Markey Group combines the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique firm.
The Markey Group is proud of the services and solutions we offer clients and welcome the opportunity to deliver the same white-glove service to you and your family.
With a deep history of client loyalty and enduring relationships, The Markey Group focuses on what is most important to you. We provide the skills, sophisticated strategies and disciplined process needed to help you make informed decisions about your future, your family and your finances with clarity and confidence.
Tom, TJ, Dave and Ted use their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience can potentially be. The Markey Group combines the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique firm.
The Markey Group is proud of the services and solutions we offer clients and welcome the opportunity to deliver the same white-glove service to you and your family.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Planning for Education FundingFootnote3
- Retirement PlanningFootnote4
- Qualified Retirement PlansFootnote5
- Executive Financial ServicesFootnote6
- Professional Portfolio ManagementFootnote7
- 401(k) Rollovers
- Alternative InvestmentsFootnote8
- Municipal BondsFootnote9
- Estate Planning StrategiesFootnote10
- Trust Services*
- Business Succession PlanningFootnote11
- Endowments and FoundationsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
SUITE OF SERVICES
As your wealth grows, so does its complexities and the resources needed to manage it effectively. The Markey Group leverages our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to help achieve your particular priorities and goals.
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with confidence.
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
Alternative Investments
Morgan Stanley’s global network affords us the ability to offer appropriate clients a wide array of alternative investments to consider. Our recommendations are based on your own goals and your tolerance for investment risk.
Cash Management Services
Creating adequate cash flow and securing liquidity are day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Estate Planning & Philanthropic Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
A FINANCIAL PLAN MADE FOR YOU
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass virtually all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future to help achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future to help achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Complete Questionnaire Here
Goals 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.
Start Planning Now
Aladdin - Intelligent Risk Management
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More Here
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool TodayTaxes Matter. So Does Planning.
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Explore the Questions Here
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Read the Strategies Here
Tax-Efficient Portfolios
Morgan Stanley Portfolio Solutions/Parametric Tax Efficient Portfolios are designated for high-net-worth investors seeking a tax-managed, diversified portfolio. Portfolios are monitored, evaluated, and rebalanced to maintain diversification and react to changing market conditions. Some key benefits include tax efficiencies, clarity by combining multiple asset classes in one account, and confidence with asset allocation advice deriving from the Global Investment Committee, so your portfolio is aligned with the firm's best thinking.
Learn More About the Portfolios Here
Actively Pursuing Tax Alpha
Opportunities for tax strategies ebb and flow with the fluctuations of the market and not with our fiscal calendars. Incorporating tax-sensitive investing into the daily trading activity of an account can capitalize on market fluctuations and potentially yield better after-tax results.
Read More About Tax Alpha
2022 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2022, see all additional information here.
View the 2022 Tax Tables Here
Taxation of Global Clients
Individuals who are neither U.S. citizens nor residents may be subject to gift and estate tax on U.S. situs assets. This article provides a discussion of how U.S. income taxes and gift and estate taxes apply to global clients.
Learn More About Taxation of Global Clients Here
How to Access Your Tax Forms
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click Here to Log In to Morgan Stanley Online1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
WELCOME TO OUR LIFE NAVIGATOR
One of our goals at The Markey Group is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
Birth
Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. As a trusted advisor to our clients, we play a critical role in helping you plan and prepare for the financial components that a new child introduces into your lives—everything from planning for the costs associated with birth, adoption or surrogacy; anticipating unexpected medical expenses; understanding gifting requirements; preparing for child care and planning for educational expenses.
Click Here For More Information On Preparing For Educational Expenses
Education
Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise—from primary education through undergraduate, graduate and professional schools—we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for your particular situations.
Click Here To Make Financial Literacy A Family Affair
Business/Work
Many of our clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. As their Financial Advisor, we play a critical role in helping them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.
Typically, we encounter three primary scenarios with our clients:
- Starting a business
- Funding a business
- Exiting a business
Click Here To Learn More About Building A StartupTypically, we encounter three primary scenarios with our clients:
- Starting a business
- Funding a business
- Exiting a business
Marriage
There are few events more exciting than when our client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents). As your Financial Advisor, we can play an important role in helping you plan for these milestones and guiding your conversations.
Click Here For Questions To Ask Your Partner Before You Commit
Post-Career
Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household’s finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
Click Here To Learn More
Caregiving
Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself.
Click Here To Learn More
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion. Passing away without a will, known as intestacy, means the state determines how the deceased’s assets will be distributed, and this may not be consistent with the family’s wishes. Proceedings can also be painful and costly for the family.
We believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Click Here To learn MoreWe believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Location
4 Landmark Square
2nd Floor
Stamford, CT 06901
US
Direct:
(203) 967-7049(203) 967-7049
Toll-Free:
(800) 233-2353(800) 233-2353
Meet The Markey Group
David Sondergaard
Senior Vice President, Financial Advisor, Lending Specialist
Phone:
(203) 967-7075(203) 967-7075
Taher Ted Koly
Vice President, Wealth Management, Financial Advisor
Phone:
(203) 967-7067(203) 967-7067
Phone:
(203) 967-7045(203) 967-7045
Lisa D. Simmons
Vice President, Wealth Management Associate
Phone:
(203) 967-7122(203) 967-7122
Paul L. O'Beirne
Wealth Management Associate
Phone:
(203) 326-6941(203) 326-6941
Andrew Kolenberg
Registered Client Service Associate
Phone:
(203) 967-7163(203) 967-7163
About Thomas Markey
As the lead Advisor for The Markey Group, Tom has been helping clients meet their financial goals for over 37 years.
The Markey Group’s team approach begins with an appropriate financial plan with advanced retirement planning that concentrate on wealth accumulation and future cash flow strategies.
While at Morgan Stanley, Tom has earned the designation of Wealth Advisor and successfully completed The Senior Account Executive Program at The Wharton School, University of Pennsylvania. Tom is also designated as a Financial Planning Specialist and Senior Investment Management Consultant for pensions, endowments and foundations.
Tom served on the Advisory Board for The School of Business at Quinnipiac University (2011-2018) and is currently on the Board of Trustees at New England College.
Tom’s hobbies include golf, paddle tennis, skiing, open water swimming, sprint triathlon’s, while also volunteering with The Norwalk Open Shelter, Stamford Covenant House, The Student Mentoring Program for the School of Business at Quinnipiac University and a Community Sponsor for the Greenwich Alliance for Education.
The Markey Group’s team approach begins with an appropriate financial plan with advanced retirement planning that concentrate on wealth accumulation and future cash flow strategies.
While at Morgan Stanley, Tom has earned the designation of Wealth Advisor and successfully completed The Senior Account Executive Program at The Wharton School, University of Pennsylvania. Tom is also designated as a Financial Planning Specialist and Senior Investment Management Consultant for pensions, endowments and foundations.
Tom served on the Advisory Board for The School of Business at Quinnipiac University (2011-2018) and is currently on the Board of Trustees at New England College.
Tom’s hobbies include golf, paddle tennis, skiing, open water swimming, sprint triathlon’s, while also volunteering with The Norwalk Open Shelter, Stamford Covenant House, The Student Mentoring Program for the School of Business at Quinnipiac University and a Community Sponsor for the Greenwich Alliance for Education.
Securities Agent: IN, FL, WY, WV, UT, OR, NM, SC, OH, MA, VT, PA, NH, MO, CA, VA, NY, NV, NE, MT, HI, MI, GA, KY, AZ, TX, OK, ME, KS, AR, WI, WA, NJ, IL, CT, TN, SD, NC, MN, MD, ID, DE, DC, CO, RI; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 175607
NMLS#: 175607
About David Sondergaard
David began his investment career with Morgan Stanley as a Financial Advisor in 2002. Now a First Vice-President and Portfolio Management Director with the firm, David also earned his designation as a Certified Financial Planner™, CFP® Practitioner in 2012.
Serving high-net-worth individuals and families, as well as endowments, foundations, family offices, closely-held businesses, and corporate retirement plans, David focuses on developing comprehensive financial plans designed to help his clients through all phases of wealth management; including strategies for wealth accumulation, income generation, asset preservation & protection and multi-generational wealth transfer.
Firmly committed to the principle ‘put clients first,’ David believes in building long term relationships and strives to deliver exceptional client service. By taking time to listen and objectively assess clients’ needs, risk tolerance and investment objectives, David helps develop a customized investment program for each client.
David received his Bachelor’s Degree in Computer Science from the University of Pittsburgh, is a member of the Portfolio Management Institute® (PMI) and the Investments & Wealth Institute TM , formerly IMCA.
David lives in Fairfield County, CT with his wife, Karen, and two daughters, Isla James and Luella Joy.
Serving high-net-worth individuals and families, as well as endowments, foundations, family offices, closely-held businesses, and corporate retirement plans, David focuses on developing comprehensive financial plans designed to help his clients through all phases of wealth management; including strategies for wealth accumulation, income generation, asset preservation & protection and multi-generational wealth transfer.
Firmly committed to the principle ‘put clients first,’ David believes in building long term relationships and strives to deliver exceptional client service. By taking time to listen and objectively assess clients’ needs, risk tolerance and investment objectives, David helps develop a customized investment program for each client.
David received his Bachelor’s Degree in Computer Science from the University of Pittsburgh, is a member of the Portfolio Management Institute® (PMI) and the Investments & Wealth Institute TM , formerly IMCA.
David lives in Fairfield County, CT with his wife, Karen, and two daughters, Isla James and Luella Joy.
Securities Agent: IN, MA, MD, ME, MI, MN, MO, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DE, KY, DC, CT, CO, CA, AZ, AR, FL, GA, HI, ID, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 175735
NMLS#: 175735
About Taher Ted Koly
Ted joined The Markey Group at Morgan Stanley in 2008 after earning his Bachelor’s Degree in Finance from Quinnipiac University where he also completed a Master’s in Business Administration.
His primary role within the Markey Group is to handle all trading activity for our managed and non-managed accounts. He is Series 7 and 66 registered. Ted has extensive experience in the areas of trading, investment research and portfolio analysis. His main focus is to maintain day-to-day oversight of client portfolios and to help identify opportunistic and tactical trading ideas for clients. He has received the designation of Portfolio Manager.
Ted currently resides in Darien, CT.
His primary role within the Markey Group is to handle all trading activity for our managed and non-managed accounts. He is Series 7 and 66 registered. Ted has extensive experience in the areas of trading, investment research and portfolio analysis. His main focus is to maintain day-to-day oversight of client portfolios and to help identify opportunistic and tactical trading ideas for clients. He has received the designation of Portfolio Manager.
Ted currently resides in Darien, CT.
Securities Agent: VT, VI, UT, NV, NJ, AR, VA, RI, NY, MD, FL, PA, NC, MN, DE, TX, NM, NH, CA, WV, OR, MA, MI, IL, AZ, OH, ME, ID, GA, SD, CO, MO, KY, DC, SC, MT, IN, HI, WY, WA, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312208
NMLS#: 1312208
About Terence "TJ" Markey
TJ joined Morgan Stanley in 2013 as an assistant and entered the Financial Advisor program in 2015, graduating in 2019. He received a Bachelor’s Degree in Marketing Communications from Roger Williams University in 2010. In addition to more common investment themes, he has a keen interest in Environmental, Social and Governance (ESG) Investing. He is responsible for investment research and financial planning.
TJ lives in Stamford, CT and spends his free time ski touring, section-hiking the Appalachian Trail, and whitewater paddling.
TJ lives in Stamford, CT and spends his free time ski touring, section-hiking the Appalachian Trail, and whitewater paddling.
Securities Agent: VT, NY, NV, NJ, NH, MI, IN, WV, VA, OR, OK, MA, IL, DE, WA, HI, CO, AZ, UT, SD, MN, DC, CA, SC, RI, MD, LA, ID, FL, OH, MO, AR, WY, NC, MT, TX, PA, NE, GA, CT, ME, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1569126
NMLS#: 1569126
About Lisa D. Simmons
Lisa Simmons is a Wealth Management Associate for the Markey Group in Stamford, CT. She holds a B.S. in Finance from the University of Maryland as well as her Series 7 and 66 FINRA licenses. Bringing over 15 years of industry experience, Lisa oversees the team’s day to day operations and overall customer service to our valued clients. Originally from Long Island, NY Lisa currently resides in Stamford, CT with her husband, daughter and American Staffordshire Terrier.
About Paul L. O'Beirne
Paul O’Beirne is a Wealth Management Associate on The Markey Group at Morgan Stanley, based in Stamford, CT. Paul joined Morgan Stanley in 2020 working in one of the Firm’s Analyst Programs. Paul previously worked at Firms including Merrill Lynch and SS&C Technologies working in a variety of Business Development and Operations roles. Originally from Lloyd Harbor on Long Island, Paul currently resides in Harbor Point, CT. Paul received his Bachelor’s degree from St. John’s University in New York City. Paul currently holds the SIE, Series 7 and Series 66 FINRA licenses. In his free time, Paul enjoys traveling to South Florida in the Winter and the Hamptons in the Summer. Paul is an avid New York Sports fan including the Yankees, Rangers, Giants, Knicks and St. John's Red Storm.
About Andrew Kolenberg
Andrew Kolenberg is a Registered Client Service Associate for the Markey Group in Stamford, CT. He holds a bachelor’s degree from the University of Connecticut as well as a Series 7 and a Series 66 FINRA license. Andrew brings over five years of industry experience to the Markey Group, having previously worked with Oppenheimer and Merrill Lynch before joining Morgan Stanley in 2023. Andrew is a proud, lifelong resident of Stamford CT, where he lives with his wife.
Contact Thomas Markey
Contact David Sondergaard
Contact Taher Ted Koly
Contact Terence "TJ" Markey
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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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
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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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 Markey Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4When 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.
5When 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.
6Morgan 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.
7Morgan 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.
8Alternative 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.
9Municipal 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.
10Morgan 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.
11Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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2Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4When 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.
5When 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.
6Morgan 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.
7Morgan 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.
8Alternative 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.
9Municipal 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.
10Morgan 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.
11Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
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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)
