Phone:
(808) 525-6907(808) 525-6907
The McCarville Adaniya Group at Morgan Stanley
Direct:
(808) 525-6907(808) 525-6907
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Financial PlanningFootnote1
- Asset Management
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Qualified Retirement PlansFootnote4
- Planning for Education FundingFootnote5
- Cash Management and Lending ProductsFootnote6
- Life InsuranceFootnote7
- Long-term Care InsuranceFootnote8
- Estate Planning StrategiesFootnote9
- Trust AccountsFootnote10
- Divorce Financial AnalysisFootnote11
- Sustainable InvestingFootnote12
- Philanthropic ManagementFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
With greater wealth comes greater complexity. Our practice offers personalized financial solutions and services to a diverse range of clients, including individuals, families, and small businesses. We work closely with clients to understand their unique financial goals and objectives, and develop customized strategies to help them achieve their desired outcomes.
Comprehensive Wealth Planning
Wealth management goes far beyond investments. The key to achieving the future you envision is a goals-based plan based on you—where you are today, how far you have to go and what you need to do to get there.
Senior Military Officers and NCOs
Whether serving on Active Duty, transitioning to a second career, or preparing for your final retirement, we will help you assess the new situations, develop successful courses of action, and implement the financial aspects of your plan. We’ll help you navigate TSP investment options, TSP contributions while deployed, TSP rollovers, VA Disability ratings and payments and Concurrent Receipt, state taxes, Survivor Benefits Plan, VGLI vs individual commercial life insurance, VA home loans, 2nd career compensation and benefits, education planning for children and grandchildren, and financial planning for your ultimate retirement. And you’ll have our commitment to serve you no matter where you’re assigned or choose to live.
Investment Management
We will devise and implement investment strategies and processes to help you meet your goals and constraints. Additionally, our team will construct and manage portfolios and make informed decisions on what and when to buy and sell investments.
Women and Wealth
Whether you are a single woman or mother, a divorcee or widow, or a happily married woman in charge of the finances, we want to assist you in education, resources and planning. Our goal is to accept responsibility for many aspects of your financial life, such as investment management, risk management, tax management, etc, and provide you access to information so you can make confidential financial decisions you need to make for yourself and your loved ones.
Retirement: Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money
Multi Generational Families
Our financial planning process for multi-generational families includes a rigorous analysis of your lifestyle spending, tax obligations, and future gifting plans. This analysis drives our strategy as it pertains to financial and estate planning for wealth preservation, tax optimization, investment allocation, and asset gifting decisions. And as we take care of you, we’re happy to take care of the people you care most about.
Tax, Trust and Estate Advisory
Building, protecting and passing on a legacy involves much more than investing wisely. It requires careful analysis of your objectives, intelligent structuring of your assets and integrated, strategic planning and implementation.
Corporate Executives
Working with executives comes with its own unique set of challenges. When investing we know that our clients want to keep as much as they can of what they earn. We are here to help you create a strategy that will minimize the taxes paid on investments.
Cash Management and Lending
Complement your investment strategy and benefit from greater flexibility when you take advantage of our industry-leading cash management and financing solutions. Smart use of borrowing can help provide funding for personal, business or real estate needs– potentially without selling your investments.
Corporate Retirement Plans
We cater to institutional clients looking to develop and manage their corporate retirement plans. Let us bring our experience and resources to the table to take this burden off of you.
Sustainable and Responsible Investing
We support your efforts to create, implement and maintain strategies that align with your environmental, social and governance goals as well as their financial objectives.
Family and Friends
Many of our clients are family members or close friends, or friends of friends. We are grateful for their trust in us, and privileged to be able to serve them with caring, competence, and commitment.
Planning Deep Dive
Comprehensive Financial Planning is foundational to our Wealth Management Practice. We’ll help you explore and define your financial goals, and develop a savings and investment strategy to achieve them.
There’s an old Army adage that, “No plan survives first contact with the enemy.” And in a way, that’s also true of financial plans. Whether it’s a change to employment or income, changes in the markets, an inheritance, or whatever, we would expect changes along the way. We will periodically review your plan with you, recommending and implementing changes as needed to help achieve your goals, or sharing in the joy of your increased success.
There’s an old Army adage that, “No plan survives first contact with the enemy.” And in a way, that’s also true of financial plans. Whether it’s a change to employment or income, changes in the markets, an inheritance, or whatever, we would expect changes along the way. We will periodically review your plan with you, recommending and implementing changes as needed to help achieve your goals, or sharing in the joy of your increased success.
Step 1: Initial Meeting, Discovery
This is our opportunity to learn about you, and for you to learn about us. We’ll explain our investment process, and the types of portfolios we build for clients. The focus of the conversation will be on the values that shape your decisions, your life goals, and the financial resources necessary to achieve them.
Document Checklist
Goals-Based Planning
At Morgan Stanley, Goals-Based Wealth Management means that we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial goals.
Financial Planning Questionnaire
Step 2: Presentation of an Initial Financial Plan
Our financial plans should always be considered “works in progress,” but this initial plan should be viewed more as a Starting Point. In the process, we usually broaden the conversation and discover gaps we haven’t yet addressed. We’ll demonstrate how changes in savings, investment asset allocations, and spending, can influence the probability of success of your plan.
Retirement Planning
Most of us have numerous goals, but no goal is more important than securing a comfortable retirement. It is important to look at assets and liabilities, time horizons, and risk tolerance, and future spending needs, to structure a sound retirement plan. Here are six simple steps to help you determine whether you are on track to meet your retirement needs.
Simple Six Step Retirement Checkup
Step 3: Implementation
Once you approve of the plan, we’ll begin implementation of your investment strategies toward the accomplishment of your goals.
Aladdin - Intelligent Risk Management
We will manage your portfolio risk with the Portfolio Risk Platform - Powered by Aladdin. This platform offers comprehensive risk estimation and reporting for various asset classes and security types, providing an overview and detailed view to enable effective monitoring and management.
Portfolio Risk Platform – Powered by Aladdin
Step 4: Coordination with Outside Professionals
If necessary, we’ll ask your permission to coordinate with your Tax Advisor and Estate Planning Attorney, or we can introduce you to such professionals as needed. We’ll also discuss the impact of unexpected life events, and develop strategies to reduce or transfer risk.
Spending & Budgeting
As your Financial Advisory Team, we will never interfere in the way you choose to spend your money. But you may find it helpful to track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you to oversee trends in your financial life.
Spending & Budgeting Tools
Step 5: Plan Monitoring
You’ll have access to your plan on Morgan Stanley Online. We’ll monitor your plan as well, and work with you to ensure your plan remains “On Track.”
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
Intelligent WithdrawalsVALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. Also included are resources meant to transform complex financial analysis and research into concise content.
Morgan Stanley Online (MSO) & MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
More on MSO
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the Most Recent Report
Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
See Your Complete Financial Picture
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this Week's Edition
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as financial statements, authorizations, tax filings, and other relevant files.
Getting Started
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the Latest EpisodeMorgan Stanley Impact Quotient™ (MSIQ™)
The Morgan Stanley Impact Quotient™ application gives Wealth Management clients new customizable insights into the social and environmental impact of their investment portfolios.
More on MSIQ™
Financial Literacy for Any Stage of Your 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.
More Information Here
eAuthorizations
eAuthorizations enable one-click electronic authorization for both domestic and international, one-time or recurring transactions via MSO and Mobile App. Convenient, secure, and accessible from anywhere, manage authorizations easily through either platform.
eAuth Client Guide
Morgan Stanley Ideas
Read our perspective on what's shaping the world today, and tomorrow. We cover topics ranging from health care, sustainability, macroeconomics and technology.
Explore Our Featured Ideas
2024 Tax Tables
Please view the following attachment to find the 2024 federal tax tables.
2024 Tax Tables2025 Tax Tables
Please view the following attachment to find the 2025 federal tax tables.
2025 Tax TablesGiving Back
Brittany and Matt are committed to and actively engaged in making our communities stronger.
Child & Family Service
Brittany serves as the Child & Family Service Guild Chairman and has been involved with Child & Family Service since 2017. CFS is a “Hawai’i-born” impact-driven, community-based organization. Since 1899, CFS have worked tirelessly to strengthen families and foster the healthy development of children. The CFS Guild is an energetic group of volunteers dedicated to supporting CFS’ mission of helping Hawaii’s at-risk families.
West Point Society of Hawaii
Matt is a President Emeritus and current member of the West Point Society of Hawaii. The Society’s mission is to serve West Point and its graduates in Hawaii, and to further the ideals and promote the welfare of the United States Military Academy. A key partnership of the Society is the West Point Parents Club of Hawaii. The Society operates in cooperation with the West Point Association of Graduates (WPAOG), of which Matt is a Lifetime Member.
Pearl Hawaii Federal Credit Union
Brittany serves on the Supervisory Committee for Pearl Hawaii Federal Credit Union and has been involved with PHFCU since 2019. The Supervisory Committee consists of five individuals appointed by the Board to assist with safeguarding member assets by ensuring a credit union is operating properly.
American Business Women’s Association- Na Kilohana ‘O Wahine Chapter
Brittany serves on the ABWA Na Kilohana ‘O Wahine Board of Directors and has been involved with ABWA since 2018. She was awarded the ABWA Chapter “Woman of the Year Award” in 2023. The mission of ABWA is to bring together business women of diverse occupations and to provide opportunities for them to help themselves and others to grow personally and professionally through leadership, education, networking support and national recognition.
Rotary Club of West Honolulu
Brittany is involved in the Rotary Club of West Honolulu and has been involved with Rotary since 2017. She was awarded the “District 5000 Spirit Award” in 2018 and 2019. Rotary is a global network of 1.4 million neighbors, friends, leaders and problem-solvers who see a world where people unite and take action to create lasting change- across the globe, in our communities, and in ourselves.
Proud Supporter
Matt is an advocate and active supporter of the Wounded Warrior Project, a Jacksonville-based nonprofit whose mission is to honor and empower wounded warriors. He is also an avid supporter of Sheepdog Impact Assistance – Hawaii, the Dolphin Research Center in the Florida Keys, Help Our Military Heroes – a national program based in Connecticut, Tragedy Assistance Program for Survivors (TAPS), and the Gary Sinise Foundation.
Location
733 Bishop Street
Suite 2800
Honolulu, HI 96813
US
Direct:
(808) 525-6907(808) 525-6907
Meet The McCarville Adaniya Group
Associate Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(808) 953-8703(808) 953-8703
About Brittany Adaniya
Brittany Adaniya is a Financial Advisor and CERTIFIED FINANCIAL PLANNER™ at Morgan Stanley. Brittany has been in the Wealth Management industry since 2014 and has been with Morgan Stanley since 2017. With comprehensive wealth planning as the core of her practice, Brittany creates customized strategies to help her clients achieve their goals. She looks at the full spectrum of possibilities to help address her clients ambitions. Whether that is financial confidence through a well-defined financial plan, or having your wealth seek to create positive change through socially responsible investing. In 2021, Brittany was named to the Morgan Stanley Pacesetter’s Club, a group composed of some of the Firm’s more successful new advisors.
Brittany was born and raised in Honolulu, Hawaii. She graduated with a Bachelor’s in Business Administration in Finance and Marketing from the University of Hawaii at Manoa Shidler College of Business.
Brittany is engaged in helping to make our communities stronger. Her community involvement includes:
- Child and Family Services Guild (Board Member 2019-Present)
- Rotary Club of West Honolulu (2017-Present)
- American Business Women’s Association Na Kilohana ‘O Wahine (Board Member 2019-Present)
- Pearl Hawaii Federal Credit Union (Board Supervisory Committee 2019-Present)
- Financial Management Association (UH Manoa Mentor)
- Business Executive Society of Tomorrow (UH Manoa Mentor)
Brittany is married to her husband, Jason. They spend their free time playing golf, watching professional sports, and hanging out with their French Bulldog, Kobe.
Brittany was born and raised in Honolulu, Hawaii. She graduated with a Bachelor’s in Business Administration in Finance and Marketing from the University of Hawaii at Manoa Shidler College of Business.
Brittany is engaged in helping to make our communities stronger. Her community involvement includes:
- Child and Family Services Guild (Board Member 2019-Present)
- Rotary Club of West Honolulu (2017-Present)
- American Business Women’s Association Na Kilohana ‘O Wahine (Board Member 2019-Present)
- Pearl Hawaii Federal Credit Union (Board Supervisory Committee 2019-Present)
- Financial Management Association (UH Manoa Mentor)
- Business Executive Society of Tomorrow (UH Manoa Mentor)
Brittany is married to her husband, Jason. They spend their free time playing golf, watching professional sports, and hanging out with their French Bulldog, Kobe.
Securities Agent: GA, OR, NY, CA, NJ, MO, AZ, AR, NC, DC, CT, UT, TN, NE, MT, MA, TX, OK, NM, MD, IL, FL, VA, PA, LA, HI, WV, WA, SC, NV, MS, IN, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1975042
NMLS#: 1975042
About Matthew McCarville
Having completed a 23 year career as an Army officer, Matt McCarville became a Financial Advisor in 2004. Matt works with reasonably affluent families, mostly senior military, both active and retired, helping to develop and implement financial plans to help achieve their goals. He emphasizes risk management strategies. Matt joined Morgan Stanley in 2011, and moved his practice to Honolulu in 2013.
Matt is a 1981 graduate of the U.S. Military Academy at West Point, and holds an MA in Human Resources from Webster University. His military education includes the U.S. Army Command and General Staff College. Both Airborne and Ranger qualified, Matt was awarded the Bronze Star Medal and the Combat Infantry Badge for his service with Special Operations in Desert Storm.
Matt is engaged in helping to make our communities stronger. He is dedicated to supporting our wounded and their families, and the families of our fallen. Matt received the Daniel K. Inouye Leadership and Community Service Award for his work as the Co-Chair of the Na Koa Wounded Warrior Canoe Regatta 2014-2019. He is a lifetime member of the Military Officers Association of America (MOAA), the Association of the U.S. Army (AUSA), the VFW, and the U.S. Military Academy’s Association of Graduates.
Matt and his wife, Karen, live in Hawaii Kai, HI. Their son, Matthew, is an Investment Banking Executive Director with JP Morgan in San Francisco. Their daughter, Dr. Caitlin Mohr, is a Classical Singer, and Assistant Professor of Music at Rollins College in Winter Park, Florida.
Matt is a 1981 graduate of the U.S. Military Academy at West Point, and holds an MA in Human Resources from Webster University. His military education includes the U.S. Army Command and General Staff College. Both Airborne and Ranger qualified, Matt was awarded the Bronze Star Medal and the Combat Infantry Badge for his service with Special Operations in Desert Storm.
Matt is engaged in helping to make our communities stronger. He is dedicated to supporting our wounded and their families, and the families of our fallen. Matt received the Daniel K. Inouye Leadership and Community Service Award for his work as the Co-Chair of the Na Koa Wounded Warrior Canoe Regatta 2014-2019. He is a lifetime member of the Military Officers Association of America (MOAA), the Association of the U.S. Army (AUSA), the VFW, and the U.S. Military Academy’s Association of Graduates.
Matt and his wife, Karen, live in Hawaii Kai, HI. Their son, Matthew, is an Investment Banking Executive Director with JP Morgan in San Francisco. Their daughter, Dr. Caitlin Mohr, is a Classical Singer, and Assistant Professor of Music at Rollins College in Winter Park, Florida.
Securities Agent: PA, TN, MI, MD, LA, HI, UT, OK, NJ, NC, IL, AR, WA, TX, MO, VA, MA, AZ, CA, MS, GA, CT, WV, NY, NM, NE, DC, SC, MT, IN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 578544
NMLS#: 578544
Contact Brittany Adaniya
Contact Matthew McCarville
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 McCarville Adaniya Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’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.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
13Products 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’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.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
13Products 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.
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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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Awards Disclosures
CRC 6491812 (04/2024)
