Faye Mellos
Senior Vice President, Financial Advisor, Family Wealth Advisor, Portfolio Manager
Phone:
(415) 693-7558(415) 693-7558
The Mellos Group at Morgan Stanley
Direct:
(415) 693-7558(415) 693-7558
Our Mission Statement
With decades of experience and a proven process, we offer exceptional service and personalized financial solutions, letting you focus on what matters most.
THE MELLOS GROUP
The Mellos Group is a multigenerational wealth management team dedicated to providing expert financial advice to affluent investors. Our team is committed to delivering exceptional service by fostering continuous dialogue and education to thoroughly understand our clients' objectives and support informed decision-making.
In 2025, The Mellos Group was recognized by Forbes as one of the Best-In-State Wealth Management Teams, reflecting our dedication to excellence and our clients' success.
We collaborate with specialized teams within both the Private Wealth Management and Greystone Institutional Consulting divisions of Morgan Stanley when it aligns with our clients' needs, ensuring comprehensive, tailored solutions.
Contact us to learn more about how we work with clients to help them achieve their financial goals.
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Estate Planning StrategiesFootnote3
- Trust AccountsFootnote4
- Financial PlanningFootnote5
- Retirement PlanningFootnote6
- Business Succession PlanningFootnote7
- Planning for Education FundingFootnote8
- 401(k) Rollovers
- Sustainable InvestingFootnote9
- Alternative InvestmentsFootnote10
- Cash Management and Lending ProductsFootnote11
- Philanthropic ManagementFootnote12
- SyndicateFootnote13
- Executive Financial ServicesFootnote14
- Divorce Financial AnalysisFootnote15
- Corporate Retirement PlansFootnote16
- Endowments and FoundationsFootnote17
- Life InsuranceFootnote18
- Long Term Care InsuranceFootnote19
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At the Mellos Group at Morgan Stanley, we’ll take the time to understand all the nuances of your financial situation and how they apply to what—and who—matters most to you.
Together, we’ll develop a detailed plan for your wealth that leaves as little as possible to chance. We’ll help you try to anticipate future challenges and create a plan for your family from the unexpected, increasing your ability to achieve your goals and leave the legacy you want for your family and favored causes.
Together, we’ll develop a detailed plan for your wealth that leaves as little as possible to chance. We’ll help you try to anticipate future challenges and create a plan for your family from the unexpected, increasing your ability to achieve your goals and leave the legacy you want for your family and favored causes.
Estate Planning Strategies
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Proper estate planning gives careful consideration to the your future plans, preferences and goals.
Multi-generational Families
Often, we will assist families with their personal wealth. Significant life events require a seasoned advisory team who understands the complexities of these special situations and has the insights to achieve results.
Financial Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving and living.
High Net Worth Individuals & Families
The Mellos Group works with specialized resources in trust and estate planning, family governance, wealth education, family office management and philanthropy management to help address your complex financial goals
Professional Portfolio Management
We will devise and implement investment strategies and processes to help you meet your goals and constraints, construct and manage portfolios, making decisions on what and when to buy and sell investments.
Retirees
Retirement planning, step by step our approach brings together a unique combination of decades of experience, individualized attention and a deep commitment to delivering personalized retirement strategies.
401K Rollovers
Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can ensure that there is no risky overlap or concentration insecurities. We can make taking required minimum distribution's easier. You also have the full suite of an open platform from which to choose investments from.
Pre Retirees
Proper retirement planning requires us to anticipate the range of life events and financial obligations that could impact your retirement plans and portfolio. As our clients progress from their early years in the workforce through their mid-careers and head toward retirement, we will be alongside you helping to plan and mitigate risks.
Divorce Financial Analysis
Major relationship transitions can be overwhelming in both a personal and practical way. Although divorce is seldom easy, together we can plan for a new beginning.
Corporate Executives
Working with executives comes with its own unique set of challenges. When investing Morgan Stanley knows that our clients want to keep as much as they can of what they earn.
Cash Management & Lending Products
Morgan Stanley offers a variety of digital tools to complement your investment strategy. These modern alternatives to regular banking give you more value and protection in one place.
Business Owners
We understand the unique circumstances that arise from owning your own business. We help set you and your business up for success by helping to make smart investment decisions.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Our disciplined approach begins with developing a comprehensive understanding of who you are, what you value and what you truly want your wealth to accomplish. We address a range of client circumstances across generations.
Your goals are a work in progress, so we’ll meet with you regularly to evaluate any changes to your life’s circumstances and goals. Together, we’ll continually update your plan and recommend the adjustments designed to help keep you on track.
Your goals are a work in progress, so we’ll meet with you regularly to evaluate any changes to your life’s circumstances and goals. Together, we’ll continually update your plan and recommend the adjustments designed to help keep you on track.
Discover
We start with a conversation to gain a thorough understanding of your needs, lifestyle and family - and your goals for the future.
Document Checklist
Goals-based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan.
Planning Questionnaire
Advise
We work with you to develop portfolio strategies that help you achieve and protect the outcomes you envision.
Portfolio Risk Platform - Aladdin
Portfolio Risk Platform is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types.
Intelligent Risk Management
Implement
We look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.
Total Tax 365
Total Tax 365 is our full spectrum of year-round, active tax management solutions, tailored to help you minimize tax drag in your portfolio.
Track Progress
We help you track your progress as well as spending and saving to ensure you remain on track towards your goals.
Intelligent Withdrawals
We will analyze a your portfolio and make tax efficient sell recommendations to meet your withdrawal needs.
More on Intelligent Withdrawals
Ongoing Service & Care
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. We set up regular meetings to provide updates and keep your plan on track towards achieving your goals.
Morgan 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 MSIQVALUABLE 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. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
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.
Login to Morgan Stanley Online Here
Thoughts On The Market 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 the latest trends in the financial marketplace.
Listen to Most Recent Thoughts On The Market Podcast
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. All your assets will be in one place, providing a current and comprehensive view of your wealth.
Learn More About Total Wealth View
On The Markets Research 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.
Access the Latest On The Markets Research Report
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Learn More About Digital Vault
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest GIC Weekly Research Report
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Spending and Budgeting Tool
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 IdeasPROTECTING YOUR ONLINE SECURITY
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Cybersecurity Best Practices
- Safeguarding your personal information is one of our highest priorities. While many of us continue to work from home we find ourselves utilizing technology more now than ever. For some tips and tricks that can help you be more secure check our cybersecurity center.
Security Features and Proactive Defense
- Multi-Factor Authentication (MFA)
- Alerts and Notifications
- Automatic Session Time Out
- VoiceID
- Fraud Detection and Prevention
- Digital Tools
- Cybersecurity Fusion Centers
- Threat Landscape Monitoring
- Employee Training and Testing
Location
101 California St
23rd Floor
San Francisco, CA 94111
US
Direct:
(415) 693-7558(415) 693-7558
Meet The Mellos Group
Eric Peterson
Vice President, Financial Advisor, Portfolio Manager
Phone:
(415) 693-6018(415) 693-6018
Philip Peterson
Vice President, Financial Advisor, Portfolio Manager
Phone:
(415) 693-6075(415) 693-6075
About Faye Mellos
Faye has enjoyed helping individuals and families make informed decisions related to their financial well-being for over four decades. By tapping the breadth of her experience in the financial services field she provides an active level of service customized for each client to help them achieve their financial goals. Decades of experience, a proven process and exceptional service align to bring clients financial solutions that allow them to focus on what matters most.
She enjoys working with families, with a primary focus of maximizing tax efficiency, wealth preservation and developing next generation plans. It is this holistic approach that helps clients to understand the intricacies of investing and estate planning.
She is currently serving on a team of five professionals that are mentoring a young student from Cambodia through the non-profit “SheCan”; an organization that builds female leadership in post conflict countries by empowering young women with education and providing mentorship to develop the leadership skills needed to affect change in their nations.
Faye is currently working as a volunteer with “Homeless Action Sonoma”; bringing attention to the homeless issue in Sonoma, California and by helping prepare meals each Sunday allowing housed and unhoused folks to come together to break bread. In this environment the housed get a better understanding of what homelessness is and its impact on our entire community.
Faye is also currently serving on the International Finance Committee for Zonta Foundation for Women, a leading global organization of professionals empowering women worldwide through service and advocacy. She has been a member of this organization for decades and is a charter member of the Zonta e-Club of Silicon Valley, with a mission to locally advance women and girls in the San Francisco Bay Area.
Faye enjoys hiking in the hills of Sonoma County, wine tasting and gardening in her expansive garden in Sonoma. Most weekends you can find her experimenting with local produce to create tasty garden-to-table dishes. Faye and her husband, Michael, live in downtown San Francisco and spend leisure time at their home in Sonoma County.
She enjoys working with families, with a primary focus of maximizing tax efficiency, wealth preservation and developing next generation plans. It is this holistic approach that helps clients to understand the intricacies of investing and estate planning.
She is currently serving on a team of five professionals that are mentoring a young student from Cambodia through the non-profit “SheCan”; an organization that builds female leadership in post conflict countries by empowering young women with education and providing mentorship to develop the leadership skills needed to affect change in their nations.
Faye is currently working as a volunteer with “Homeless Action Sonoma”; bringing attention to the homeless issue in Sonoma, California and by helping prepare meals each Sunday allowing housed and unhoused folks to come together to break bread. In this environment the housed get a better understanding of what homelessness is and its impact on our entire community.
Faye is also currently serving on the International Finance Committee for Zonta Foundation for Women, a leading global organization of professionals empowering women worldwide through service and advocacy. She has been a member of this organization for decades and is a charter member of the Zonta e-Club of Silicon Valley, with a mission to locally advance women and girls in the San Francisco Bay Area.
Faye enjoys hiking in the hills of Sonoma County, wine tasting and gardening in her expansive garden in Sonoma. Most weekends you can find her experimenting with local produce to create tasty garden-to-table dishes. Faye and her husband, Michael, live in downtown San Francisco and spend leisure time at their home in Sonoma County.
Securities Agent: PA, NV, ID, CO, WA, MT, CA, MD, HI, AZ, AL, WI, UT, NH, VA, OR, AR, NY, NJ, MO, MI, FL, TX, NC, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1394665
CA Insurance License #: 0B76089
NMLS#: 1394665
CA Insurance License #: 0B76089
About Eric Peterson
Eric Peterson has been a Financial Advisor with Morgan Stanley for over a decade, earning the title of Vice President in 2023. As a Portfolio Manager, he specializes in building and managing tailored investment portfolios and providing comprehensive financial planning to help clients achieve their financial goals. His wealth management philosophy is rooted in exceptional client service and a commitment to understanding each client’s unique needs.
A graduate with honors from the University of California, Santa Cruz, where he majored in Anthropology, Eric also completed the Harvard Business School’s Core Program in 2017, gaining expertise in Accounting, Economics, and Statistics. Outside of work, he enjoys running, skiing, and playing basketball, finding balance and purpose through his active lifestyle.
A graduate with honors from the University of California, Santa Cruz, where he majored in Anthropology, Eric also completed the Harvard Business School’s Core Program in 2017, gaining expertise in Accounting, Economics, and Statistics. Outside of work, he enjoys running, skiing, and playing basketball, finding balance and purpose through his active lifestyle.
Securities Agent: AZ, TX, NJ, WA, NV, HI, NY, MO, ME, CO, AR, VA, MI, MD, ID, AL, OR, NH, PA, NC, MT, FL, CA, WI, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 1507453
NMLS#: 1507453
About Philip Peterson
For over forty years Philip has worked with investors to help grow and preserve their wealth using a multitude of financial strategies. He is passionate about working with clients to help minimize the stress of managing their finances and allow them to enjoy the important things in life.
After completing a tour of duty in the early seventies with the US Army in Germany, Philip attended the University of North Dakota. His financial career began at EF Hutton and Co. in 1979 helping clients meet their financial goals. Over the years Philip has also developed an extensive banking and lending expertise that has included a position as Wells Fargo's Regional Banking Consultant for Southern California. He joined the present-day Morgan Stanley initially in 1999 and works currently with The Mellos Group utilizing Morgan Stanley Wealth Management’s extensive intellectual capital and wide range of services tailored to benefit affluent families and investors.
As a member of The Mellos Group at Morgan Stanley, Philip’s activities are client relationship centered with a focus on asset management strategies, risk management and investment capabilities customized for each client. Philip also provides his clients with access to banking and lending services. The Mellos Group reflects his strong belief in the power of the collaborative process. Each member of the group brings exceptional knowledge and experience that helps craft the best possible results for their clients.
Philip’s wide ranging business background has also included ownership for several decades of a diversified grain operation and cattle ranch in North Dakota. Philip is a member of Delta Tau Delta Fraternity.
After completing a tour of duty in the early seventies with the US Army in Germany, Philip attended the University of North Dakota. His financial career began at EF Hutton and Co. in 1979 helping clients meet their financial goals. Over the years Philip has also developed an extensive banking and lending expertise that has included a position as Wells Fargo's Regional Banking Consultant for Southern California. He joined the present-day Morgan Stanley initially in 1999 and works currently with The Mellos Group utilizing Morgan Stanley Wealth Management’s extensive intellectual capital and wide range of services tailored to benefit affluent families and investors.
As a member of The Mellos Group at Morgan Stanley, Philip’s activities are client relationship centered with a focus on asset management strategies, risk management and investment capabilities customized for each client. Philip also provides his clients with access to banking and lending services. The Mellos Group reflects his strong belief in the power of the collaborative process. Each member of the group brings exceptional knowledge and experience that helps craft the best possible results for their clients.
Philip’s wide ranging business background has also included ownership for several decades of a diversified grain operation and cattle ranch in North Dakota. Philip is a member of Delta Tau Delta Fraternity.
Securities Agent: MO, AL, OR, VA, MD, FL, CO, AZ, NV, ID, WA, PA, MI, WI, NY, NC, AR, UT, NH, DC, CA, HI, TX, MT, NJ, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1347354
CA Insurance License #: 0G91542
NMLS#: 1347354
CA Insurance License #: 0G91542
Contact Faye Mellos
Contact Eric Peterson
Contact Philip Peterson
Wealth Management
Global Investment Office
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Ready to start a conversation? Contact The Mellos Group today.
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’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.
3Morgan 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.
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 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.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8When 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.
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.
11Morgan 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
12Products 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.
13Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
14Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
15Morgan 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.
16When 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.
17Morgan 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.
18Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
19Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
3Morgan 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.
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 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.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8When 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.
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.
11Morgan 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
12Products 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.
13Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
14Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
15Morgan 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.
16When 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.
17Morgan 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.
18Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
19Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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)
