Charles Medina, MBA
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(727) 773-4624(727) 773-4624
The Medina Partin Weiss Group at Morgan Stanley
Direct:
(727) 773-4600(727) 773-4600
Toll-Free:
(800) 473-7149(800) 473-7149
Our Mission Statement
To deliver well thought out, plan-based financial advice that inspires clients to make the best decisions for themselves and their families.
Our Story and Services
The Medina Partin Weiss Group at Morgan Stanley was founded upon the shared values of helping people and putting clients first. We help our clients make the best financial decisions possible through the abundant resources of Morgan Stanley and guidance of our carefully considered advice.
We believe in relationship building and consultation. Before talking about your financials, we want to learn about you and your family. Listening to you allows us to take an objective look at your situation and evaluate the options available to achieve your life goals. We coach our clients so they may feel secure in their life vision for today, tomorrow and the future.
Our clients expect personalized financial service and professional guidance in today’s complex world. We work with a small group of clients so that we can provide customized service and compassionate care to each and every person. We promise to be there for you in your good times and your challenging moments.
We believe in relationship building and consultation. Before talking about your financials, we want to learn about you and your family. Listening to you allows us to take an objective look at your situation and evaluate the options available to achieve your life goals. We coach our clients so they may feel secure in their life vision for today, tomorrow and the future.
Our clients expect personalized financial service and professional guidance in today’s complex world. We work with a small group of clients so that we can provide customized service and compassionate care to each and every person. We promise to be there for you in your good times and your challenging moments.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Cash Management and Lending ProductsFootnote5
- Trust ServicesFootnote6
- Life InsuranceFootnote7
- Long-term Care InsuranceFootnote8
- Sustainable InvestingFootnote9
- Alternative InvestmentsFootnote10
- Structured ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
You and your family have many financial goals, but do you have an investment plan that's designed to achieve them? And can that plan change as your life does? The financial planning process may seem intimidating at first. Our goal is to make it as simple as possible by taking you through our six step process.
Discovery
Gain a complete understanding of our clients’ goals, objectives, hopes and dreams as well as identify the risks, assets, and liabilities.
Analysis
Analyze both the quantitative and qualitative data obtained during discovery
Planning
Take the results of the analysis and create a plan that helps you attain your goals
Recommendations
Recommended specific changes based on the financial plan
Implementation
Provide a step-by-step process to put the specific recommendations into action
Monitor and Review
Monitor the plan and the investments, perform consistent reviews, and make changes as necessary
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals on your timeline.
Personalized SOlutions
We know that as your wealth grows, so do the complexities and resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies tailored to your needs. Browse the topics below or reach out to learn more about what we can offer.
Business Succession Planning
Operating a business represents years - if not decades of hard work. We understand your succession through the lens of your overall financial picture. We work closely with you and your team to ensure that your priorities are reflected in your strategy.
Learn More
Estate Planning Strategies
Delivering an estate to the next generation or a favorite charity requires more attention than is often realized. We work with you to align your goals and incorporate best practices to help enhance results.
Learn More
Executive Financial Services
We have extensive experience assisting corporate executives in a broad range of services. e develop a customized plan that addresses your goals and can be modified as your approach retirement or experience major life events that require reprioritization.
Cash Management & Lending Solutions
Creating adequate cash flow and securing liquidity are some of the more important aspects of executing a financial strategy. We strategically implement goals for your current and long-term costs.
Learn More
Financial Planning
We bring all aspects of your life together. We listen carefully to understand the connections across your personal and professional life to develop comprehensive strategies. We also help you navigate life changing events with confidence.
Learn More
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Learn MoreAwards & Recognition
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data Compiled By Shook Research LLC Based On Time Period From 3/31/23-3/31/24.
2023-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors
Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
Awards Disclosures
2013 Award - 02/4/2013 through 07/22/2013
2014 Award - 02/4/2014 through 07/22/2014
2015 Award - 02/4/2015 through 07/22/2015
2016 Award - 02/4/2016 through 07/22/2016
2017 Award - 12/30/2016 through 07/14/2017
2018 Award - 12/29/2017 through 07/24/2018
2019 Award - 12/10/2018 through 07/23/2019
2020 Award -12/23/2019 through 07/10/2020
2021 Award - 11/30/2020 through 06/25/2021
2022 Award - 12/13/2021 through 06/10/2022
2023 Award - 11/14/2022 through 5/31/2023
2024 Award- 11/14/2023 through 6/10/2024
Awards Disclosures
2013 Award - 02/4/2013 through 07/22/2013
2014 Award - 02/4/2014 through 07/22/2014
2015 Award - 02/4/2015 through 07/22/2015
2016 Award - 02/4/2016 through 07/22/2016
2017 Award - 12/30/2016 through 07/14/2017
2018 Award - 12/29/2017 through 07/24/2018
2019 Award - 12/10/2018 through 07/23/2019
2020 Award -12/23/2019 through 07/10/2020
2021 Award - 11/30/2020 through 06/25/2021
2022 Award - 12/13/2021 through 06/10/2022
2023 Award - 11/14/2022 through 5/31/2023
2024 Award- 11/14/2023 through 6/10/2024
Clients We Work With
Our clients represent a diverse group of business owners, athletes, retirees, and executives. Some are in retirement or entering their retirement years looking to establish their legacy while others have young families and are looking to put a financial plan in place for their family's needs.
Business Owners
Business owners are often seeking guidance on exit strategies, lending strategies, and planning. This type of subject matter requires lots of thought, planning, experience, and execution which is why many of our clients work with us to help them prepare for the challenges of owning and operating a business.
Athletes
Athletes need to work with a professional that understands the life of an athlete. With Bo's long history in motocross, he understands the pivotal financial decisions and planning required for athletes across all sports. He has gone into the financial services industry with a passion for helping athletes navigate through their unique situations.
Retirees
Whether you are a new client or someone that we have worked with for generations, our commitment to your success remains consistent. We want to assist your family's needs in any way we can, so you can continue succeeding in your own personal and professional life.
Executives
Executives have their own set of unique challenges. Understanding and carefully navigating around executive compensation, sponsored retirement plan options, and smart investment decisions can assist you in accomplishing your life goals.
Location
4114 Woodlands Parkway
Suite 200
Palm Harbor, FL 34685
US
Direct:
(727) 773-4600(727) 773-4600
Toll-Free:
(800) 473-7149(800) 473-7149
3280 Peachtree Rd NE
Ste 1900
Atlanta, GA 30305
US
Direct:
(404) 365-3552(404) 365-3552
Meet The Medina Partin Weiss Group
Bo Partin
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(727) 773-4653(727) 773-4653
Phone:
(404) 365-3552(404) 365-3552
Christina Ussia
Client Service Associate
Phone:
(727) 773-4682(727) 773-4682
Diana Poole
Registered Client Service Associate
Phone:
(727) 773-4636(727) 773-4636
About Charles Medina, MBA
Charles joined Morgan Stanley in February, 2013 after obtaining an MBA at the University of South Florida where he focused in finance and sustainable business practices. Charles brings a client-centric approach to his practice which was developed over 8 years as a real estate agent in Seattle, WA and in the Tampa Bay region.
Prior to entering the financial services industry Charles obtained a Bachelor of Arts with a major in History and a minor in Jazz Performance. Through his diverse studies, he gained a combination of analytical thinking and creativity. Charles’ skillset allows him to help clients find customized solutions that fit their individual needs.
Outside of the office Charles is an avid tennis player, jazz aficionado, and foodie. However, Charles’ number one priority in life is his family. He relishes the opportunities he gets to spend with his wife, 2 sons and extended family.
Prior to entering the financial services industry Charles obtained a Bachelor of Arts with a major in History and a minor in Jazz Performance. Through his diverse studies, he gained a combination of analytical thinking and creativity. Charles’ skillset allows him to help clients find customized solutions that fit their individual needs.
Outside of the office Charles is an avid tennis player, jazz aficionado, and foodie. However, Charles’ number one priority in life is his family. He relishes the opportunities he gets to spend with his wife, 2 sons and extended family.
Securities Agent: NC, HI, RI, NJ, MO, KY, IL, DC, AK, WI, NE, MS, MN, CO, OH, NH, ME, IA, CA, WY, WA, UT, NY, MI, LA, CT, AL, IN, AR, PA, MT, GA, FL, AZ, WV, SC, NV, NM, ID, DE, VA, TX, OK, MA, KS, VT, TN, OR, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1282919
CA Insurance License #: 0L56648
AR Insurance License #: 16979732
NMLS#: 1282919
CA Insurance License #: 0L56648
AR Insurance License #: 16979732
About Bo Partin
Bo has been with Morgan Stanley since 2013, where he helps clients to preserve, grow and manage their wealth through personalized planning. His passion for the financial services industry began in college when he became licensed through an internship.
Bo holds his Bachelor of Arts in Business Administration and a minor in legal studies from The University of Central Florida. Since the age of four, Bo has traveled the country racing motocross and has been a member of the American Motorcyclist Association for over thirty years. His racing years taught him focus, dedication and process – all skills that he uses today with his clients.
Outside of the office and motocross, Bo enjoys running, fishing, and reading. He is a native of Rochester Hills, MI and currently resides in Tampa, FL with his wife, Jennifer and his daughters Elle and Madison.
2023-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Bo holds his Bachelor of Arts in Business Administration and a minor in legal studies from The University of Central Florida. Since the age of four, Bo has traveled the country racing motocross and has been a member of the American Motorcyclist Association for over thirty years. His racing years taught him focus, dedication and process – all skills that he uses today with his clients.
Outside of the office and motocross, Bo enjoys running, fishing, and reading. He is a native of Rochester Hills, MI and currently resides in Tampa, FL with his wife, Jennifer and his daughters Elle and Madison.
2023-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NC, MS, GA, WA, TX, SC, MT, OH, NV, DC, CT, WV, UT, LA, DE, CO, CA, PA, OK, NY, NM, NJ, MO, AZ, WI, IL, VT, VA, MA, KS, IA, HI, FL, AK, NE, MN, KY, AR, AL, NH, MD, IN, ID, TN, RI, MI, ME, WY, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1312695
CA Insurance License #: 0L68403
AR Insurance License #: 16395103
NMLS#: 1312695
CA Insurance License #: 0L68403
AR Insurance License #: 16395103
About Bryan Weiss
Bryan has worked as a Financial Advisor at Morgan Stanley since 2004. He graduated from Emory University in 2004, where he earned his Bachelor's degree in Economics. With a deep understanding of economic principles and market dynamics, Bryan embarked on a successful career in finance.
In recognition of his skills and commitment to upholding the highest ethical standards, Bryan obtained the CERTIFIED FINANCIAL PLANNER™ designation. This certification signifies his comprehensive knowledge in financial planning, enabling him to deliver informed guidance and implement strategies that empower his clients to make informed decisions about their financial future.
He currently lives in Atlanta with his wife, Lisa and two children, Matthew and Mikaela. Outside of the office, Bryan enjoys coaching his children’s little league and soccer teams.
In recognition of his skills and commitment to upholding the highest ethical standards, Bryan obtained the CERTIFIED FINANCIAL PLANNER™ designation. This certification signifies his comprehensive knowledge in financial planning, enabling him to deliver informed guidance and implement strategies that empower his clients to make informed decisions about their financial future.
He currently lives in Atlanta with his wife, Lisa and two children, Matthew and Mikaela. Outside of the office, Bryan enjoys coaching his children’s little league and soccer teams.
Securities Agent: TN, FL, NV, MS, DC, PA, MO, MN, MD, KY, ID, CT, TX, NJ, NC, AZ, AK, VT, VA, LA, KS, DE, OK, OH, NH, MI, IA, AR, AL, OR, NE, HI, RI, NY, NM, CO, CA, WI, ME, MA, IN, IL, GA, WY, WV, WA, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312565
NMLS#: 1312565
About Christina Ussia
Christina is originally from Philadelphia, PA and currently lives in Clearwater with her husband, 2 teenage children and 2 dogs. Prior to joining Morgan Stanley, Christina worked for Pinellas County Schools in the Professional Development Department. Prior to that, she was a preschool teacher in the VPK program at Curlew Creek Elementary for several years. In her spare time Christina enjoys working out, practicing yoga, and spoiling her fur babies.
About Diana Poole
Born and raised in the Tampa Bay Area, Diana Poole received her Bachelors’ degree from Florida State University before beginning her career in finance with Merrill Lynch in 2014. She joined Morgan Stanley in 2022 and is passionate about delivering excellent service to clients and delivering all that Morgan Stanley has to offer. Diana enjoys all of the outdoor activities that Florida has to offer with her husband and three young children.
Contact Charles Medina, MBA
Contact Bo Partin
Contact Bryan Weiss
Wealth Management
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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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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 Medina Partin Weiss 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.
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 (“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.
5Morgan 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
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.
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.
9The 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.
10Alternative 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
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 (“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.
5Morgan 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
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.
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.
9The 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.
10Alternative 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
