Bruno Mazzotta
Executive Director, Financial Advisor, Financial Planning Specialist
Phone:
(617) 570-9267(617) 570-9267
The Mazzotta Group at Morgan Stanley
Direct:
(617) 570-9267(617) 570-9267
Toll-Free:
(617) 570-9050(617) 570-9050
Our Mission Statement
Generational wealth planning strategies to help you achieve your life and legacy goals
Our Story
Located in Boston, MA, our family wealth practice is built upon integrity, open communication, and a tireless commitment to our clients. For almost 40 years, we have been providing a wide array of wealth management services to affluent individuals, families, and business owners. Through our disciplined process, we create custom investment strategies to help each of our clients achieve their individual life and legacy goals.
As an established father-son advisory team, we understand the importance of financial security and that family dynamics around wealth can be complicated. No matter the size and complexity, we have the knowledge and resources to help our clients navigate their current situations and get them on track to successfully reaching their goals of growing, preserving, and transferring their hard-earned wealth.
Together, our team combined brings decades of industry experience, expertise, and a seamless continuity in our values. Our experience has taught us that every client’s circumstances and challenges are unique, and we are committed to helping them grasp their complete financial picture, while navigating the distractions of today’s complex markets.
As a client of The Mazzotta Group, you can expect to be treated as an extension of our own family and will experience a top-tier standard of care that prioritizes your best interests. We are proud of the services and strategies we provide to our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
As an established father-son advisory team, we understand the importance of financial security and that family dynamics around wealth can be complicated. No matter the size and complexity, we have the knowledge and resources to help our clients navigate their current situations and get them on track to successfully reaching their goals of growing, preserving, and transferring their hard-earned wealth.
Together, our team combined brings decades of industry experience, expertise, and a seamless continuity in our values. Our experience has taught us that every client’s circumstances and challenges are unique, and we are committed to helping them grasp their complete financial picture, while navigating the distractions of today’s complex markets.
As a client of The Mazzotta Group, you can expect to be treated as an extension of our own family and will experience a top-tier standard of care that prioritizes your best interests. We are proud of the services and strategies we provide to our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
Services Include
- Wealth ManagementFootnote1
- Estate Planning StrategiesFootnote2
- Retirement PlanningFootnote3
- Cash Management and Lending ProductsFootnote4
- Stock Option PlansFootnote5
- Trust ServicesFootnote6
- Business PlanningFootnote7
- 401(k) Rollovers
- Life InsuranceFootnote8
- Corporate Pension Plans
- Alternative InvestmentsFootnote9
- 529 PlansFootnote10
- Philanthropic ManagementFootnote11
- Sustainable InvestingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Achieving Life Goals
Our wealth management practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services.
We work with a broad range of clients who value and respect the advice and guidance we carefully prepare for their personal and business goals.
We work with a broad range of clients who value and respect the advice and guidance we carefully prepare for their personal and business goals.
Entrepreneurs and Business Owners
We can help you make well-informed personal wealth management decisions at every stage of your company’s development. Our goal is to provide you with the information, insight and resources needed to help you reach your personal and professional goals. We are here to help you answer the key questions that arise at the intersection of your business strategy and your personal wealth management plan.
Working Professionals
Understanding your goals is an important part of our
relationship. We provide guidance to working
professionals in developing a comprehensive financial
plan to achieve your short- and long-term goals. As a
team we offer advice on topics such as budgeting. debt
management. retirement planning, investment
strategies, and tax planning strategies. We help
navigate major life changes such as starting a family,
Buying a home. or changing careers. Our goal is to help
you make informed decisions and take control of your
financial future.
relationship. We provide guidance to working
professionals in developing a comprehensive financial
plan to achieve your short- and long-term goals. As a
team we offer advice on topics such as budgeting. debt
management. retirement planning, investment
strategies, and tax planning strategies. We help
navigate major life changes such as starting a family,
Buying a home. or changing careers. Our goal is to help
you make informed decisions and take control of your
financial future.
Corporate Executives: Technology, Healthcare, & Beyond
At The Mazzotta Group, we utilize our breadth of resources and expertise to develop a financial strategy for your stock options and equity compensation. We’ll work together to develop an plan that includes all of your investments. This includes planning for sudden wealth from stock options, implementing a risk management strategy to help you achieve your unique life goals, and evaluating a benefits package.
Families
Helping families navigate complex financial decisions
and develop a plan to achieve their financial goals is
we ourselves on. We will provide guidance on topics such as debt management, retirement planning. investment strategies. tax planning, and estate planning team helps families navigate major life events such as marriage. divorce, and the birth or adoption of children. By working with us, families can make informed decisions and better position themselves for long-term financial stability and success.
and develop a plan to achieve their financial goals is
we ourselves on. We will provide guidance on topics such as debt management, retirement planning. investment strategies. tax planning, and estate planning team helps families navigate major life events such as marriage. divorce, and the birth or adoption of children. By working with us, families can make informed decisions and better position themselves for long-term financial stability and success.
Next Generation Clients
Working with Next-Gen clients involves understanding
unique financial goals, values, and challenges. Next
Gen clients are often more technologically savvy and
value transparency and personalized services. Therefore,
we adapt to their preferences, leverage technology to
enhance your services, and communicate effectively to
build strong relationships and trust with this generation of clients.
unique financial goals, values, and challenges. Next
Gen clients are often more technologically savvy and
value transparency and personalized services. Therefore,
we adapt to their preferences, leverage technology to
enhance your services, and communicate effectively to
build strong relationships and trust with this generation of clients.
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital
to constructing sound wealth-transfer plans, but
sometimes it is the matters these experts cannot
address that pose the greatest challenges. Each family is
unique of course. That said, many families do share
common stresses and concerns that can foster conflict.
to constructing sound wealth-transfer plans, but
sometimes it is the matters these experts cannot
address that pose the greatest challenges. Each family is
unique of course. That said, many families do share
common stresses and concerns that can foster conflict.
Our Process
Our four-step process focuses on you and your family – where you are today and where you want to go. Working together, we develop the strategies to get you there, navigating life’s challenges and helping you make more informed decisions along the way.
Step 1: Discovery
• Begin with an in-depth conversation to understand your goals, your concerns and what you would like to achieve.
• Learn about your financial experience and your comfort level regarding financial risk.
• Collect key information about your current finances, including assets, liabilities and have a discussion about your equity awards and company-provided benefits.
• Learn about your financial experience and your comfort level regarding financial risk.
• Collect key information about your current finances, including assets, liabilities and have a discussion about your equity awards and company-provided benefits.
Step 2: Analysis & Plan Development
• Review your current and future financial situation, identify the likelihood of reaching your goals and address any potential shortfalls or the impact of unexpected life events.
• Develop your customized plan using proprietary financial planning software.
• “Stress test” your plan to determine the appropriate allocation of investments and the integration of any outside assets.
• Upon your approval, set into motion a course of action that strives to align your vision with your personal definition of financial success.
• Develop your customized plan using proprietary financial planning software.
• “Stress test” your plan to determine the appropriate allocation of investments and the integration of any outside assets.
• Upon your approval, set into motion a course of action that strives to align your vision with your personal definition of financial success.
Step 3: Implementation
• Begin to execute your plan.
• Schedule regular meetings to ensure your account is set up properly and you have convenient access to your account information.
• Schedule regular meetings to ensure your account is set up properly and you have convenient access to your account information.
Step 4: Ongoing Service
• Monitor progress towards your goals and review the performance of your investments through ongoing calls and meetings.
• Recommend adjustments over time to reflect changing market conditions or changes in your circumstances, to help keep you on track towards achieving your goals.
• Recommend adjustments over time to reflect changing market conditions or changes in your circumstances, to help keep you on track towards achieving your goals.
MODERN WEALTH MANAGEMENT TOOLS FOR OUR VALUED CLIENTS
We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We are happy to assist you in signing up for any of these services.
Morgan Stanely Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Click Here to Learn More
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online - all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
Click Here to Learn More
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Click Here to Learn More
E-Sign
To use eSign, all you need is a valid email address and phone number. The personal identification number (PIN) can be delivered via phone call or via text message. Here are the steps to complete the signing process.
Click Here to Learn More
E-Delivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Click Here to Learn More
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Click Here to Learn More
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Click Here to Learn More
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.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Fill out the questionnaire to get started.
Click Here to Learn MoreLifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Fill out the questionnaire to get started.
Knowledge & Resource Center
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
We have assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
GIC: On The Markets
Monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
Explore Here
GIC: Weekly
This report from Wealth Management Chief Investment Officer Lisa Shalett highlights the GIC's latest thinking on the markets.
Explore Here
What Should I Do With My Money? A Morgan Stanley Podcast
A podcast where real people get real answers from Financial Advisors
to their most important questions about money.
Listen & Browse Hereto their most important questions about money.
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Financial Literacy For Any Stage of Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Explore Here
Quarterly Spotlight: CD Promotion at Morgan Stanley
Click on the link below to explore Morgan Stanley's CD Promotion, it's newest rates, and why this may be a suitable option for you.
Read MoreLocation
28 State Street
Fl
Boston, MA 02109
US
Direct:
(617) 570-9267(617) 570-9267
Toll-Free:
(617) 570-9050(617) 570-9050
Meet The Mazzotta Group
Michael Mazzotta, CFP®
Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(617) 570-9459(617) 570-9459
Nasser Eljamal, CIMA®
Registered Client Service Associate, Financial Planning Specialist
Phone:
(617) 570-9580(617) 570-9580
About Bruno Mazzotta
An industry veteran and founder of The Mazzotta Group, Bruno brings a lifetime of experience to his role as an Executive Director and Financial Advisor at Morgan Stanley. For over 35 years, he has built a thriving practice serving the specialized wealth management and financial planning needs of executives, business owners, and families.
After graduating from Nichols College with a B.S. in Finance in 1987, Bruno immediately began his career as a Financial Advisor at E.F. Hutton in Boston. Five years later, he was recruited by Smith Barney and has been with Morgan Stanley and its predecessors ever since. He has been recognized as a member of the firm’s prestigious President’s Club, an elite group composed of the firm’s top Financial Advisors.
Bruno operated his practice as a sole practitioner for the entirety of his career until 2019, which is when his son, Michael, joined the firm and The Mazzotta Group was formed. Today, with the addition of Michael Mazzotta, The Mazzotta Group has the skills and capabilities to serve a broader set of clients while staying true to the values and principles that Bruno built his practice on. Together, they look forward to helping their clients grow and preserve their wealth before and after retirement and leave a lasting legacy.
Bruno’s desire to help his clients is matched only by his dedication to his family. He and his wife, Karen, met in college, and live happily in Walpole, MA. They have three grown children: Jennifer, Michael, and Katie. Away from the office, Bruno enjoys golfing, saltwater fishing, and spending quality time with family and friends.
After graduating from Nichols College with a B.S. in Finance in 1987, Bruno immediately began his career as a Financial Advisor at E.F. Hutton in Boston. Five years later, he was recruited by Smith Barney and has been with Morgan Stanley and its predecessors ever since. He has been recognized as a member of the firm’s prestigious President’s Club, an elite group composed of the firm’s top Financial Advisors.
Bruno operated his practice as a sole practitioner for the entirety of his career until 2019, which is when his son, Michael, joined the firm and The Mazzotta Group was formed. Today, with the addition of Michael Mazzotta, The Mazzotta Group has the skills and capabilities to serve a broader set of clients while staying true to the values and principles that Bruno built his practice on. Together, they look forward to helping their clients grow and preserve their wealth before and after retirement and leave a lasting legacy.
Bruno’s desire to help his clients is matched only by his dedication to his family. He and his wife, Karen, met in college, and live happily in Walpole, MA. They have three grown children: Jennifer, Michael, and Katie. Away from the office, Bruno enjoys golfing, saltwater fishing, and spending quality time with family and friends.
Securities Agent: CA, WA, VT, TX, TN, NY, NM, NC, DC, AZ, LA, KS, AL, SD, OH, NJ, MS, MD, GA, CT, ME, SC, MA, IN, IL, PA, FL, WI, VA, OR, NH, MO, MN, RI, OK, MI, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1255643
NMLS#: 1255643
About Michael Mazzotta
Michael works closely with high net-worth families and individuals to help them develop and implement comprehensive wealth management strategies. By leveraging the extensive resources and industry-leading technology of Morgan Stanley, Michael and his team advise their clients in all aspects of wealth planning, including tax-efficient investing, estate planning, equity compensation planning, lending, cash management, and goals-based financial planning.
A second-generation advisor, Michael grew up around his father’s practice and developed an interest in the industry at a young age. He pursued this interest in college, attending Bentley University where he earned a B.S. in Finance and minored in Business Economics. Upon graduating magna cum laude in 2019, Michael joined his father at Morgan Stanley and The Mazzotta Group at Morgan Stanley was formed.
Since joining the firm, Michael has been named to Morgan Stanley’s prestigious Pacesetter’s Club - a global recognition program for the Firm’s successful Financial Advisors - for three consecutive years. In 2023, he was awarded the CFP® certification and now leads the team’s advanced planning services.
While building upon the legacy cemented by his father, Michael strives to provide his clients with the same unmatched service and value for many years to come. Outside of the office, Michael enjoys golfing, summers on Cape Cod, and spending time with his family and friends. He is an avid Boston sports fan and currently resides in the Seaport District of Boston.
A second-generation advisor, Michael grew up around his father’s practice and developed an interest in the industry at a young age. He pursued this interest in college, attending Bentley University where he earned a B.S. in Finance and minored in Business Economics. Upon graduating magna cum laude in 2019, Michael joined his father at Morgan Stanley and The Mazzotta Group at Morgan Stanley was formed.
Since joining the firm, Michael has been named to Morgan Stanley’s prestigious Pacesetter’s Club - a global recognition program for the Firm’s successful Financial Advisors - for three consecutive years. In 2023, he was awarded the CFP® certification and now leads the team’s advanced planning services.
While building upon the legacy cemented by his father, Michael strives to provide his clients with the same unmatched service and value for many years to come. Outside of the office, Michael enjoys golfing, summers on Cape Cod, and spending time with his family and friends. He is an avid Boston sports fan and currently resides in the Seaport District of Boston.
Securities Agent: OK, CO, OR, DC, CT, WI, VA, ME, VT, MT, KS, GA, MA, IN, FL, OH, MD, AZ, AL, RI, PA, NY, NH, MS, MI, TX, NM, NC, MO, CA, WA, SC, NJ, LA, IL, TN, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1915546
NMLS#: 1915546
About Nasser Eljamal
Prior to joining Morgan Stanley, Nasser graduated from Fairfield University, where he earned a Bachelor of Science degree in Finance and International Business. His outstanding academic performance was well recognized, graduating with the distinction of cum laude and a 4.0 GPA in his major. Following his graduation, Nasser joined UBS, where he obtained essential skills and licenses, including the SIE, Series 7, and Series 66.
Since 2022, Nasser has been a Registered Associate with The Mazzotta Group at Morgan Stanley. In this role, he is dedicated to growing the practice and delivering exceptional client service. He continuously seeks opportunities for personal and professional development, expanding the team’s capabilities and enhancing their differentiated approach to serving clients. Recently, Nasser acquired The Certified Investment Management Analyst® certification issued by The Investments and Wealth Institute. He provides comprehensive support in many areas related to account servicing, financial planning, and portfolio management.
Nasser is a highly engaged professional, known for his exceptional interpersonal skills, accountability, and effective time management abilities. He thrives in dynamic and fast-paced environments, continuously seeking opportunities for growth.
Although Nasser was born and raised in Lagrangeville, NY, he currently resides in the West End area of Boston, MA. When not pursuing his career, he enjoys traveling to explore new places and cultures, staying active, and immersing himself in various culinary experiences. Additionally, Nasser enjoys attending concerts, fostering his appreciation for live music, playing pickleball, and going on runs.
Since 2022, Nasser has been a Registered Associate with The Mazzotta Group at Morgan Stanley. In this role, he is dedicated to growing the practice and delivering exceptional client service. He continuously seeks opportunities for personal and professional development, expanding the team’s capabilities and enhancing their differentiated approach to serving clients. Recently, Nasser acquired The Certified Investment Management Analyst® certification issued by The Investments and Wealth Institute. He provides comprehensive support in many areas related to account servicing, financial planning, and portfolio management.
Nasser is a highly engaged professional, known for his exceptional interpersonal skills, accountability, and effective time management abilities. He thrives in dynamic and fast-paced environments, continuously seeking opportunities for growth.
Although Nasser was born and raised in Lagrangeville, NY, he currently resides in the West End area of Boston, MA. When not pursuing his career, he enjoys traveling to explore new places and cultures, staying active, and immersing himself in various culinary experiences. Additionally, Nasser enjoys attending concerts, fostering his appreciation for live music, playing pickleball, and going on runs.
Contact Bruno Mazzotta
Contact Michael Mazzotta
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Mazzotta 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC 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
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
10Investors 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.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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:
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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.
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*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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC 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
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
10Investors 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.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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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)
