Robert Cohen
Senior Vice President, Wealth Management, Wealth Advisor, Senior Portfolio Manager
Phone:
(631) 755-1605(631) 755-1605
The Melville Group at Morgan Stanley
Direct:
(631) 755-8905(631) 755-8905
Toll-Free:
(866) 394-7602(866) 394-7602
Our Mission Statement
Delivering tailored financial solutions that encompass every facet of your wealth journey, from accumulation to preservation and legacy planning
About Us
The Melville Group strives to help our clients define and meet their goals by combining an array of resources to custom fit each client’s specific needs. Our philosophy is based off the fact that the services we will provide always differ on a case by case basis. Coupling our team’s process, with the capabilities of Morgan Stanley’s world-class platform gives clients access to some of the most powerful solutions in the areas of financial planning, estate and insurance planning, corporate retirement planning, business succession planning, and alternative investing.
2025: Forbes Best-In-State Wealth Management Teams
Source: Forbes. Awarded Jan 2025. Data compiled by SHOOK Research for the period 3/31/23–3/31/24. Awards Disclosures
2025: Forbes Best-In-State Wealth Management Teams
Source: Forbes. Awarded Jan 2025. Data compiled by SHOOK Research for the period 3/31/23–3/31/24. Awards Disclosures
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your financial advisors, we listen and respond to your needs using clear, simple language. We offer personal service and pledge to lead you with great care along the path to helping pursue your goals. We can help you prioritize those goals and develop a strategy that seeks to preserve and grow your retirement assets, making it possible to pursue your chosen lifestyle and create a legacy for your loved ones. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
*Asset Allocation does not assure a profit or protect against loss in declining financial markets.*
*Asset Allocation does not assure a profit or protect against loss in declining financial markets.*
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are addressed.
Our Clients
We are committed to:
Quality Service
We have a genuine understanding and concern for your needs, and seek to provide high-quality service and advice to you.
Quality Relationships
We will create lasting relationships with you, your family, or your organization built on a foundation of trust and satisfaction. Your needs are our primary focus.
Client Goals
We will strive to deliver products, ideas, services, and investment advice designed to help you achieve your goals.
Personal Excellence
We will strive to reach high levels of competence in the areas of financial consulting and investments. We will bring a visible sense of energy, a strong work ethic, and a steadfast commitment to our work.
OUR SUITE OF DIGITAL TOOLS
We want to be the firm where the most talented advisors in the industry utilize cutting-edge technology and provide customized solutions to their clients and their families to help them to achieve their life goals. Our firm strives to ensure it serves clients on leading technology platforms that are smart and flexible.
Morgan Stanley online
Morgan Stanley Online helps clients with access to their account information, great reporting tools, various cash management solutions and robust market research. The Morgan Stanley Mobile App allows clients to access their accounts in just a few taps.
Learn More About Morgan Stanley Online
Online Security Center
At Morgan Stanley, protecting your assets and confidential information is our highest priority. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Total Wealth View
With full visibility of your assets and liabilities all in one place, you and your Morgan Stanley Financial Advisor can obtain a comprehensive view of your total wealth to help you track your goals or to start planning for your future using cutting-edge technology.
Learn More About Total Wealth View
Digital Vault
Digital Vault allows you to manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Get Started With Digital VaultValuable Tools & Resources
Our comprehensive suite of digital tools are designed to help enhance various aspects 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.
2025 Federal Tax Table
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2025 Tax Tables
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look a the markets, asset class performance and fixed income.
Read The Latest Report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Morgan Stanley Reserved Insights
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
MS Reserved InsightsLocation
58 South Service Rd
Ste 400
Melville, NY 11747
US
Direct:
(631) 755-8905(631) 755-8905
Toll-Free:
(866) 394-7602(866) 394-7602
Meet The Melville Group
Phone:
(631) 755-1676(631) 755-1676
Neil Mascioli
Vice President, Financial Advisor, Lending Specialist
Phone:
(631) 755-1677(631) 755-1677
Phone:
(631) 755-8894(631) 755-8894
Phone:
(631) 755-8906(631) 755-8906
First Vice President, Wealth Management, Financial Advisor, Insurance Planning Director
Phone:
(631) 755-8907(631) 755-8907
Douglas Marshall
Financial Advisor
Phone:
(631) 755-8889(631) 755-8889
Phone:
(631) 755-1655(631) 755-1655
Phone:
(631) 755-8988(631) 755-8988
Lori Simon
Portfolio Associate
Phone:
(631) 755-1678(631) 755-1678
Jacqueline Motta
Portfolio Associate
Karen Kenny
Registered Client Service Associate
Tamara Wheeling
Portfolio Associate
Phone:
(631) 755-8977(631) 755-8977
Barbara Kwiatkowski
Senior Registered Associate
Phone:
(631) 755-1616(631) 755-1616
Dominique Hicks
Vice President, Financial Planning Director
Loretta Morano
Registered Client Service Associate
About Robert Cohen
•2008 - Present: Morgan Stanley
•1993 - 2008: Citigroup Smith Barney
•State Univerisity of Cortland
•Series 8, Series 7, Series 63, life & health insurance
•NMLS certified
•The Sephardic Home (Held titles of Chairman of the Finance Committee, President, Chairman of the board, & Man of the Year honor)
•Business Information Network of LI (Former 3x President)
•Suffolk YMCA (Former board member)
•Tam O’Shanter Club (Former board member)
•Master’s club
•1993 - 2008: Citigroup Smith Barney
•State Univerisity of Cortland
•Series 8, Series 7, Series 63, life & health insurance
•NMLS certified
•The Sephardic Home (Held titles of Chairman of the Finance Committee, President, Chairman of the board, & Man of the Year honor)
•Business Information Network of LI (Former 3x President)
•Suffolk YMCA (Former board member)
•Tam O’Shanter Club (Former board member)
•Master’s club
Securities Agent: OR, AR, WI, SC, PR, NJ, MD, GA, CA, VA, OH, NV, NC, MI, OK, RI, MT, MN, ME, IA, AZ, DE, NY, NM, LA, IN, CO, PA, FL, DC, WA, TX, MA, IL, CT, VT, NH; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1395634
NMLS#: 1395634
About Marc Lepselter
•2006 - Present: Morgan Stanley
•1998 - 2006: UBS
•1997 - 1998: Prudential
•B.S. Finance University of Maryland
•Series 7, Series 63, Series 65, life & health insurance
•NMLS certified
•Master’s club
•1998 - 2006: UBS
•1997 - 1998: Prudential
•B.S. Finance University of Maryland
•Series 7, Series 63, Series 65, life & health insurance
•NMLS certified
•Master’s club
Securities Agent: MN, MI, DE, CA, PR, NC, MD, CT, PA, DC, WI, TX, OK, GA, FL, CO, MT, TN, RI, NY, NV, HI, OH, NM, MA, IN, WA, OR, ME, VA, IA, AR, VT, NJ, LA, KY, IL, AZ, SC, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1297710
NMLS#: 1297710
About Neil Mascioli
•2009 - Present: Morgan Stanley
•B.S. Finance University of Maryland
•Series 7, Series 66, life & health insurance
•NMLS certified
•Member of Business Information Network of LI
•Board Member of Business Information Network of LI
•B.S. Finance University of Maryland
•Series 7, Series 66, life & health insurance
•NMLS certified
•Member of Business Information Network of LI
•Board Member of Business Information Network of LI
Securities Agent: MN, KY, TN, PR, IL, DE, CT, TX, OK, IN, NV, MI, AR, OH, NM, ME, FL, CO, WI, NJ, IA, GA, SC, PA, OR, NY, NH, NC, LA, HI, DC, CA, MT, VT, VA, RI, MD, AZ, WA, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1299724
NMLS#: 1299724
About Salvatore Alesia
Securities Agent: GA, FL, NH, AZ, RI, MI, CO, VT, TN, SC, OR, NM, NJ, MN, IL, MT, OH, PR, PA, OK, CT, AR, WI, TX, NV, NC, IN, HI, DC, ME, KY, DE, WA, VA, MA, LA, CA, NY, MD, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 821966
NMLS#: 821966
About Jay Dienes
Securities Agent: CA, AZ, MT, HI, NH, LA, PA, NV, IA, KY, OR, NC, MN, MA, CT, VT, TX, TN, OK, ME, WA, VA, SC, NY, DC, AR, PR, NJ, MI, MD, IN, WI, FL, DE, RI, OH, NM, IL, GA, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1395598
NMLS#: 1395598
About John J Donnell
Securities Agent: SC, NJ, MD, CO, NH, GA, CT, VT, FL, WI, TX, OR, IL, WA, PR, NY, ME, LA, KY, IA, HI, DC, AR, OH, NM, PA, MT, MA, CA, VA, NV, MI, IN, NC, MN, DE, AZ, OK, RI, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 579350
CA Insurance License #: 0G47231
NMLS#: 579350
CA Insurance License #: 0G47231
About Douglas Marshall
Douglas Marshall is proud to continue his family’s legacy at Morgan Stanley Wealth Management, building on the foundation established over 50 years ago by his father, the late Robert Marshall. With deep experience in Financial Planning, Portfolio Management, and Alternative Investments, Douglas takes a multi-disciplinary approach to delivering highly customized advice and investment strategies for individuals and families.
Born and raised on Long Island’s North Shore, Douglas now resides in Port Washington with his wife, Valerie, their two daughters, Anabelle and Gemma, and their beloved bulldog, Agnes. A passionate outdoorsman, he actively supports local environmental organizations through volunteer work.
Professional Credentials & Experience
• Portfolio Manager
• Alternative Investments Director
• Financial Planning Specialist
• Series 7, 63, and 66 Securities Registrations
• Life and Health Insurance Licenses
• Financial Planning Program, Northwestern University
Born and raised on Long Island’s North Shore, Douglas now resides in Port Washington with his wife, Valerie, their two daughters, Anabelle and Gemma, and their beloved bulldog, Agnes. A passionate outdoorsman, he actively supports local environmental organizations through volunteer work.
Professional Credentials & Experience
• Portfolio Manager
• Alternative Investments Director
• Financial Planning Specialist
• Series 7, 63, and 66 Securities Registrations
• Life and Health Insurance Licenses
• Financial Planning Program, Northwestern University
Securities Agent: MD, FL, DC, AZ, VA, MI, LA, IL, NJ, IA, CO, VT, NM, MT, HI, DE, CA, OR, CT, WI, WA, SC, NC, IN, GA, PR, MO, MA, AR, PA, OH, RI, NY, NH, MN, ME, TN, OK, KY, TX, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1295633
NMLS#: 1295633
About Russell Weill
Russell has been an advisor with the firm and its predecessors for 37 years. He has been married for 39 years to his wife, Mary, and has 3 grown children.
When not servicing clients, Russell is active in many sports and has a passion in acknowledging the underserved communities in the Long Island area.
Russell currently serves as a founding member on a board that grants angel seed money for local needs- based groups.
When not servicing clients, Russell is active in many sports and has a passion in acknowledging the underserved communities in the Long Island area.
Russell currently serves as a founding member on a board that grants angel seed money for local needs- based groups.
Securities Agent: PR, GA, OK, WI, TN, RI, NM, NH, MA, CT, VT, NJ, FL, VA, DE, AZ, AR, NY, NV, NC, DC, CO, CA, WA, MT, MN, MD, IA, OR, TX, PA, MI, LA, IN, OH, ME, IL, HI, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1274674
NMLS#: 1274674
About Joseph Weill
Securities Agent: HI, NJ, CT, WI, SC, MN, OR, OK, NC, IN, DE, AR, PA, MT, IL, OH, NH, ME, FL, DC, CA, GA, VA, PR, KY, IA, WA, TX, TN, RI, NY, NV, LA, CO, VT, MI, AZ, NM, MD, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2709069
NMLS#: 2709069
About Lori Simon
Client Service Associate Complex Coach
Series 7, Series 63
Series 7, Series 63
About Dominique Hicks
Dominique Hicks is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Western Long Island, New York. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Dominique began her career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to her current position, she acquired a great deal of acclamation & recognition for her work in Private Client and Small Business at JP Morgan Chase Bank. She continued to grow as a resource and joined Merrill Lynch later as a Financial Advisor.
Dominique graduated from SUNY Old Westbury with a bachelor’s in accounting and holds her Certified Financial Planner® designation. Dominique lives in Stony Brook, NY and cherishes spending time with her loved ones. She is a loving mother of two, adores practicing yoga with her kids and volunteers as a mentor for young college women.
Dominique began her career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to her current position, she acquired a great deal of acclamation & recognition for her work in Private Client and Small Business at JP Morgan Chase Bank. She continued to grow as a resource and joined Merrill Lynch later as a Financial Advisor.
Dominique graduated from SUNY Old Westbury with a bachelor’s in accounting and holds her Certified Financial Planner® designation. Dominique lives in Stony Brook, NY and cherishes spending time with her loved ones. She is a loving mother of two, adores practicing yoga with her kids and volunteers as a mentor for young college women.
Contact Robert Cohen
Contact Marc Lepselter
Contact Neil Mascioli
Contact Salvatore Alesia
Contact Jay Dienes
Contact John J Donnell
Contact Douglas Marshall
Contact Russell Weill
Contact Joseph Weill
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Dominique Hicks, CFP®
Financial Planning Director, Vice President
About Dominique Hicks
Dominique Hicks is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Western Long Island, New York. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Dominique began her career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to her current position, she acquired a great deal of acclamation & recognition for her work in Private Client and Small Business at JP Morgan Chase Bank. She continued to grow as a resource and joined Merrill Lynch later as a Financial Advisor.
Dominique graduated from SUNY Old Westbury with a bachelor’s in accounting and holds her Certified Financial Planner® designation. Dominique lives in Stony Brook, NY and cherishes spending time with her loved ones. She is a loving mother of two, adores practicing yoga with her kids and volunteers as a mentor for young college women.
Dominique began her career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to her current position, she acquired a great deal of acclamation & recognition for her work in Private Client and Small Business at JP Morgan Chase Bank. She continued to grow as a resource and joined Merrill Lynch later as a Financial Advisor.
Dominique graduated from SUNY Old Westbury with a bachelor’s in accounting and holds her Certified Financial Planner® designation. Dominique lives in Stony Brook, NY and cherishes spending time with her loved ones. She is a loving mother of two, adores practicing yoga with her kids and volunteers as a mentor for young college women.
Wealth Management
From Our Team
Why Having a Goal Is Key to Investing
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
A Simple Six-Step Retirement Checkup
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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
The Robots are Coming
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact The Melville Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
6Morgan 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.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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 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.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
6Morgan 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.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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 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.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
