Senior Vice President, Wealth Advisor, Family Wealth Director, Lending Specialist
Phone:
(760) 931-4646(760) 931-4646
The McCann Vincent Group at Morgan Stanley
Direct:
(760) 931-4646(760) 931-4646
Toll-Free:
(800) 676-0460(800) 676-0460
Our Mission Statement
To understand your vision, preferences and unique circumstances so that we can work with you to develop an overall wealth management strategy that meets your needs.
Welcome
There comes a point when managing your assets can easily turn into a full-time job or even become an overwhelming challenge. As your life evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. As Certified Private Wealth Advisor® professionals, our mission is to provide you with advisory services that include, and extend beyond investment management. By working collaboratively with our clients, using our own proprietary approach, we provide family office type services, so that our clients can focus on the people and interests that are most important to them. This is done while utilizing the breadth and depth of resources and intellectual capital available to our clients through a relationship with The McCann Vincent Group at Morgan Stanley. We take pride in being able to offer our clients access to Morgan Stanley’s, and other third parties, skilled staff who specialize in disciplines such as wealth transfer, asset protection and philanthropic services. With planning as our foundation, along with a little passion, patience and persistence, we are able to provide our clients the comfort they are looking for through a partnership with us. We look forward to working with you to develop a personalized plan that will help provide you with the secure financial future you need and deserve.
2023, 2024 & 2025 Forbes Best-In-States Wealth Management Team
- 2023-2025 Forbes Best-In-State Wealth Management Teams
- Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Retirement PlanningFootnote4
- Philanthropic ManagementFootnote5
- Estate Planning StrategiesFootnote6
- Donor Advised Funds
- Alternative InvestmentsFootnote7
- 401(k) Rollovers
- Cash ManagementFootnote8
- 529 PlansFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How We Can Help You
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, we are here to help you with our expanded capabilities and resources.
Family Governance & Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value
of their human capital by driving family wealth education, making it more likely that all members of the family will
have the foundation they need to lead meaningful, fulfilled and engaged lives.
of their human capital by driving family wealth education, making it more likely that all members of the family will
have the foundation they need to lead meaningful, fulfilled and engaged lives.
Wealth and Estate Planning Strategies
The Wealth and Estate Planning Strategists look at all aspects of an individual’s estate to understand the potential income tax and estate planning attributes of the vehicles.
Tax, Trust and Estate Planning Overview
Art Resources Team (ART)
Art may play a significant role in the context of a collector's overall wealth. It is estimated that 5-10% of an ultra-high net worth individual's balance sheet is art and collectibles which approximates $3 trillion of art privately held.
It is prudent for a collector to carefully consider the role of art on a balance sheet and critical for art owners to have a strategic plan for their art which addresses considerations during life and after death.
Helping Create Holistic Strategies for Owning ArtIt is prudent for a collector to carefully consider the role of art on a balance sheet and critical for art owners to have a strategic plan for their art which addresses considerations during life and after death.
Private Banking Group
Morgan Stanley Lending Solutions allow clients to finance almost any personal or business need, access a flexible line of credit and keep assets invested in the market. Lending Solutions include:
- Securities Based Loans
- Home Loans
- Commercial Real Estate
- Tailored Lending
Learn More- Securities Based Loans
- Home Loans
- Commercial Real Estate
- Tailored Lending
The Basics of Estate Planning
Explore the basics of estate planning, outlining the set of documents suggested for your clients to make their intentions clear.
• Power of attorney
• Healthcare directive
• Last will and testament
• Revocable trusts
Watch Video• Power of attorney
• Healthcare directive
• Last will and testament
• Revocable trusts
Estate & Gift Taxes
Learn more about the parameters around estate and gift taxes with guidance on the tax-efficient ways clients can give.
• The Federal Estate and Gift Tax
• Non-taxable transfers
Watch Video• The Federal Estate and Gift Tax
• Non-taxable transfers
Generation Skipping Transfer Tax (GST Tax)
Explore how UHNW individuals can pass assets outright or in trusts to generations below their children.
• Direct transfers
• Indirect transfers
Watch Video• Direct transfers
• Indirect transfers
Grantor Retained Annuity Trust (GRAT)
Learn about the parameters around Grantor Retained Annuity Trusts and how they can be used to move appreciation in an asset to the next generation.
• Annuity payments
• IRS Section 7520 Rate
Watch Video• Annuity payments
• IRS Section 7520 Rate
Irrevocable Life Insurance Trust (ILIT)
Discover how life insurance policy proceeds can be passed down to family members without the imposition of state tax.
• Cash gifts
• Existing life insurance policy transfers
Watch Video• Cash gifts
• Existing life insurance policy transfers
Executive Compensation
Equity compensation can be one of the most valuable benefits offered by your company, but it’s important to understand how they work—and how they’re taxed. For example, one type of equity award may trigger certain federal taxes depending on the circumstances—federal ordinary income tax, the alternative minimum tax, and federal short- or long-term capital gains tax. Here’s what you need to know:
Executive Compensation Overview
Executives today are increasingly compensated with stock or stock options. A benefit of receiving stock or options is that they allow the employee to share in the growth of the company without making a current investment (by purchasing stock or exercising options). However, exercising stock options presents a number of difficult and sometimes divergent choices.
Read more
Concentrated Stock
If you have a concentrated stock position from an inheritance, employment stock grants or through building a position over time, you may want to seek to protect yourself against market declines by diversifying your holdings.
Read more
Incentive Stock Option (ISO) Basics
A stock option is not the same as a share of common stock. A stock option is a right to buy a set number of shares of the company’s common stock at a set price (the “exercise price”).
Non-qualified Stock Option (NSO) Basics
For tax purposes, employee stock options are classified as either Incentive Stock Options (ISOs) or Non-qualified Stock Options (NSOs). The primary difference between the two lies in their tax treatment.
Managing a Concentrated Stock Position
Ultra-high net worth individuals often end up holding large amounts of their wealth in the common shares of a single company. Whether acquired through equity-based compensation, inheritances or other avenues, these concentrated stock positions will often have generated a great deal of wealth for these investors. However, concentrated positions can also pose significant risks.
Read More
Jeff Holzbach - Equity Planner
Jeff Holzbach is a Vice President and Senior Equity Planner with Morgan Stanley at Work. He has 25 years of experience in equity and financial planning helping families understand and manage their equity awards. Jeff is a Certified Financial Planner and Certified Equity Professional.
Employer Stock Distributions and Net Unrealized Appreciation
If you hold employer stock in your 401(k) or
other employer-sponsored retirement plan, you
will need to make some important decisions
about the handling of this stock prior to changing
jobs or retiring.
Read Moreother employer-sponsored retirement plan, you
will need to make some important decisions
about the handling of this stock prior to changing
jobs or retiring.
Giving Back
Charitable Remainder Trusts
The objective of a Charitable Remainder Trust (CRT) is to diversify asset holdings, potentially defer capital gains tax and benefit charity by creating a trust that provides a fixed payment stream to family members over a specified term and then distributes the remaining trust assets to charity at the end of the payment term
Donor Advised Funds (DAF)
The objective of a donor advised fund (“DAF”) is to create an efficient charitable-giving vehicle that provides some of the benefits of a private foundation
Click Here For More Information
MS GIFT
Morgan Stanley Global Impact Funding Trust (MS GIFT) strives to engage donors across the entire spectrum of wealth, ensuring their philanthropic aspirations and objectives will be achieved
Click Here For More Information
Philanthropy Management
With the right advice, your good intentions can become your greatest legacy. Your favorite causes can become family causes. Your wealth can become a tool to change
lives. Your passion for others can become a strategic plan for giving and one that inspires others to follow suit. If your passion leads you to join a nonprofit board, there are ways to help ensure that the nonprofit is governed well and raises funds effectively.
Click Here For More Informationlives. Your passion for others can become a strategic plan for giving and one that inspires others to follow suit. If your passion leads you to join a nonprofit board, there are ways to help ensure that the nonprofit is governed well and raises funds effectively.
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Private Banking Group
Morgan Stanley Lending Solutions allow clients to finance almost any personal or business need, access a flexible line of credit and keep assets invested in the market. Lending Solutions include:
- Securities Based Loans
- Home Loans
- Commercial Real Estate
- Tailored Lending
- Securities Based Loans
- Home Loans
- Commercial Real Estate
- Tailored Lending
Trust Services Professional’s Guide
The Trust Services Professional’s Guide can be used to introduce third-party advisers, such as attorneys, CPAs and family office professionals, to our Trust Services platform and identify opportunities where we can collaborate to deliver a comprehensive planning experience to clients.
Trust Services Professional’s Guide
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Morgan Stanley & American Express
Explore the partnership between Morgan Stanley and American Express, two exclusive cards are available to qualifying clients:
- Morgan Stanley Platinum Card®
- Morgan Stanley Blue Cash Preferred®
If eligible and qualifications are met, the $695 yearly fee for the Platinum Card® will be reimbursed.
Terms apply
Learn More Here- Morgan Stanley Platinum Card®
- Morgan Stanley Blue Cash Preferred®
If eligible and qualifications are met, the $695 yearly fee for the Platinum Card® will be reimbursed.
Terms apply
2024 Federal Tax Table
This document outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Click to View Full Table
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
Digital Vault
Digital vault lets you easily and securely manage and store life's documents such as wills, deeds, and estate plans. You can also safely upload financial statements and tax filings for organization.
Getting Started with Digital Vault
Global Investment Committee Weekly Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read GIC Weekly Report
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Reserved Living and Giving
Reserved Living & Giving (RLG) is a tiered complimentary loyalty program that rewards our most valued clients. The program is designed to enhance our clients lifestyle and relationship with the firm beyond traditional wealth management services.
Access Brochure Here
Signature Access
Signature Access is the highest level of membership in the Reserved Living & Giving program. In addition to all Reserved benefits, Signature Access clients are connected to a carefully selected network of professionals who can craft custom solutions such as Aircraft Advisory, Private Health Advisory, Cybersecurity and bespoke travel services.
Access Brochure HereLocation
5796 Armada Drive
Suite 200
Carlsbad, CA 92008
US
Direct:
(760) 931-4646(760) 931-4646
Toll-Free:
(800) 676-0460(800) 676-0460
Meet The McCann Vincent Group
Jean E Vincent, CFP®, CPWA®, CRPC®
Senior Vice President, Financial Advisor, Family Wealth Director, Lending Specialist
Phone:
(760) 931-4624(760) 931-4624
Phone:
(760) 602-3521(760) 602-3521
Danielle Uy
Registered Client Service Associate
Phone:
(760) 931-4608(760) 931-4608
About Chris W McCann
Chris is a Senior Vice President, Family Wealth Director and Portfolio Management Director of the McCann Vincent Group at Morgan Stanley. Having begun his career with Morgan Stanley in 2001, Chris has shown dedication to his clients through his many years of experience in providing objective, comprehensive solutions. Chris enjoys focusing on portfolio management and complex client solutions.
Following his youthful passion of the capital markets, Chris earned his B.S. in Finance through Northern Arizona University as well as additional Certificates from the University in both Business Economics along with Investments. In addition to these accolades, Chris was selected to be a student manager of the University’s endowment, allowing him to gain early insights into advanced portfolio management experience.
Understanding that continual learning is imperative to delivering the best experience to his clientele, Chris has earned multiple other designations including the Certified Investment Management Analyst® (CIMA®) designation completing his coursework at the prestigious Wharton School at the University of Pennsylvania along with the Certified Private Wealth Advisor® (CPWA®) designation through The University of Chicago Booth School of Business. Chris is also a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner and has volunteered as a subject matter expert for the Certified Financial Planner Board of Standards, contributing to the development of examination questions for the CFP® Certification Examination.
Chris lives in Carlsbad, California, with his wife and their two children and enjoys spending his free time with family. He is also active in his church as well as volunteers with numerous programs through his children’s school.
Following his youthful passion of the capital markets, Chris earned his B.S. in Finance through Northern Arizona University as well as additional Certificates from the University in both Business Economics along with Investments. In addition to these accolades, Chris was selected to be a student manager of the University’s endowment, allowing him to gain early insights into advanced portfolio management experience.
Understanding that continual learning is imperative to delivering the best experience to his clientele, Chris has earned multiple other designations including the Certified Investment Management Analyst® (CIMA®) designation completing his coursework at the prestigious Wharton School at the University of Pennsylvania along with the Certified Private Wealth Advisor® (CPWA®) designation through The University of Chicago Booth School of Business. Chris is also a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner and has volunteered as a subject matter expert for the Certified Financial Planner Board of Standards, contributing to the development of examination questions for the CFP® Certification Examination.
Chris lives in Carlsbad, California, with his wife and their two children and enjoys spending his free time with family. He is also active in his church as well as volunteers with numerous programs through his children’s school.
Securities Agent: IA, DC, NV, MO, MI, GA, CT, SD, ND, NC, MN, MA, AZ, AR, WA, NJ, HI, PA, OK, SC, OR, NE, DE, WY, UT, TN, RI, NY, LA, CO, WI, VT, NH, KY, IL, FL, CA, NM, IN, VA, TX, MS, OH, MT, ME, ID; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261921
CA Insurance License #: 0D49316
NMLS#: 1261921
CA Insurance License #: 0D49316
About Jean E Vincent
Jean is a Senior Vice President, Financial Advisor and Family Wealth Director, who manages the financial planning for the McCann Vincent Group. She joined Morgan Stanley in Chicago in 2004 and has been helping clients pursue, plan for and achieve their personal and professional aspirations ever since. Jean firmly believes that everyone needs and deserves a plan. Jean believes in getting to know her clients and their families on a deep level so she can understand their full life picture and recommend financial strategies that help them realize their goals. Her desire is to help ease the stress of managing finances, so her clients can focus on the relationships, activities and interests that bring them joy.
Jean is a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner. She received her Certified Private Wealth Advisor® (CPWA®) designation through The University of Chicago Booth School of Business and her Chartered Retirement Planning Counselor® (CRPC®) designation through the College of Financial Planning. Jean earned her B.S. in Music with an Outside Field in Business from Indiana University Bloomington.
Prior to joining Morgan Stanley, Jean was a professional dancer with the Lyric Opera of Chicago and the Chicago Ballet/Moose Project. While dancing, Jean taught and managed The Pilates Studio of the Midwest. Having worked at a high level in diverse professions, Jean exemplifies a combination of discipline and creativity that clients find invaluable in the planning process.
Jean lives in Del Mar, California, with her husband and their two children. She is devoted to her family and a dedicated yoga practitioner. She enjoys being in nature and is a passionate creator of plant based cuisine.
Top Women Wealth Advisors Best-In-State 2024
Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22 – 9/30/23.
Awards Disclosures
Jean is a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner. She received her Certified Private Wealth Advisor® (CPWA®) designation through The University of Chicago Booth School of Business and her Chartered Retirement Planning Counselor® (CRPC®) designation through the College of Financial Planning. Jean earned her B.S. in Music with an Outside Field in Business from Indiana University Bloomington.
Prior to joining Morgan Stanley, Jean was a professional dancer with the Lyric Opera of Chicago and the Chicago Ballet/Moose Project. While dancing, Jean taught and managed The Pilates Studio of the Midwest. Having worked at a high level in diverse professions, Jean exemplifies a combination of discipline and creativity that clients find invaluable in the planning process.
Jean lives in Del Mar, California, with her husband and their two children. She is devoted to her family and a dedicated yoga practitioner. She enjoys being in nature and is a passionate creator of plant based cuisine.
Top Women Wealth Advisors Best-In-State 2024
Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22 – 9/30/23.
Awards Disclosures
Securities Agent: SC, MN, TX, CO, VT, OK, CT, AR, AZ, TN, FL, DC, WA, SD, RI, PA, OR, NJ, NH, MI, IN, LA, VA, NY, KY, GA, NE, MO, MA, IL, ID, WY, UT, OH, MT, ME, HI, CA, WI, NV, NM, ND, NC, MS, IA, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278645
CA Insurance License #: 0F64659
NMLS#: 1278645
CA Insurance License #: 0F64659
About Jordan Gales
Securities Agent: AR, WI, MN, IN, IL, OK, NM, VA, TX, KY, PA, NH, MI, ME, GA, DE, RI, NV, NE, MO, AK, SC, OR, NJ, MS, HI, CT, CO, CA, UT, OH, MA, VT, NY, MT, ID, AZ, WA, TN, SD, NC, IA, FL, WY, ND, LA, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2128442
NMLS#: 2128442
About Danielle Uy
Danielle is a Registered Client Service Associate who strives to provide exceptional service and ensure clients are getting the most out of their experience with the firm. Danielle is a San Diego native who attended San Diego State University where a she earned her B.S. Prior to joining the McCann Vincent group, Danielle lived and worked in Arizona where she obtained her industry licenses. In her spare time, Danielle enjoys spending time with her family, friends, and dog and loves to travel.
Contact Chris W McCann
Contact Jean E Vincent
Contact Jordan Gales
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Russ Gallen
Private Banker
Michael Mackowiak
Private Banker
About Russ Gallen
Russ Gallen is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Russ began his career in financial services in 2001, and joined Morgan Stanley in 2018 as a Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch.
Russ is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Carlsbad, California with his wife, Chelsea. Outside of the office, Russ enjoys golf, tennis and traveling.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Russ began his career in financial services in 2001, and joined Morgan Stanley in 2018 as a Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch.
Russ is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Carlsbad, California with his wife, Chelsea. Outside of the office, Russ enjoys golf, tennis and traveling.
NMLS#: 684961
About Michael Mackowiak
Michael Mackowiak is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
NMLS#: 1069297
This is a video content
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
Article Image
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 McCann Vincent 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 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.
3Morgan 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.
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.
5Products 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.
6Morgan 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan 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
9Investors 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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 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.
3Morgan 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.
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.
5Products 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.
6Morgan 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan 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
9Investors 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.
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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.
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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)
