Andrew Menachem, CIMA®, CWS®
Senior Vice President, Wealth Advisor, Family Wealth Director, Lending Specialist, Global Sports and Entertainment Director
Phone:
(305) 937-7170(305) 937-7170
The Menachem Wealth Management Group at Morgan Stanley
Our Mission Statement
Our goal is to provide a truly differentiated and comprehensive wealth management experience for our clients, taking into account all aspects of their financial life.
Our Story and Services
The Menachem Wealth Management Group at Morgan Stanley stands at the confluence of skilled focus and personal care, offering pivotal financial services designed to elevate your financial well-being. Our goal is to provide a truly differentiated and comprehensive wealth management experience for our clients, taking into account all aspects of their financial life. Engaging with us marks the beginning of a journey seeking to achieve your most significant financial aspirations. To explore how we can support your financial journey, please reply for a complimentary review.
Our team is led by founder Andrew Menachem, a veteran financial advisor who draws upon his 28 years of dedication in the realm of finance, a journey marked by the loyalty and steadfast ascent at Morgan Stanley. Andrew’s commitment to continuity and deep-rooted trust shines through. Designated as a Family Wealth Director, Global Sports and Entertainment Director, as well as an Alternatives Director, Andrew and his team are able to address the multifaceted, complex needs of business owners, senior executives, entrepreneurs, entertainers, athletes, and multi generational ultra high net worth clients. When he is not tirelessly working with clients, Andrew enjoys spending time building his art and wine collection, biking, playing tennis, spending time with his family, and running on the beach with his dog SoFi.
We offer a distinctive blend of boutique attention and global focus, delivering the best of both worlds. Our team provides concierge-level service and sophisticated investment strategies to a select clientele. With personalized attention and tailored financial advice, we cover everything from cash management and lending to estate planning strategy , asset protection planning, and family office resources. Our clients also enjoy access to Morgan Stanley's vast resources and intellectual capital. As a comprehensive solution, we are dedicated to meeting all our clients’ financial needs under one roof.
The term "Family Office Resources" is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Our team is led by founder Andrew Menachem, a veteran financial advisor who draws upon his 28 years of dedication in the realm of finance, a journey marked by the loyalty and steadfast ascent at Morgan Stanley. Andrew’s commitment to continuity and deep-rooted trust shines through. Designated as a Family Wealth Director, Global Sports and Entertainment Director, as well as an Alternatives Director, Andrew and his team are able to address the multifaceted, complex needs of business owners, senior executives, entrepreneurs, entertainers, athletes, and multi generational ultra high net worth clients. When he is not tirelessly working with clients, Andrew enjoys spending time building his art and wine collection, biking, playing tennis, spending time with his family, and running on the beach with his dog SoFi.
We offer a distinctive blend of boutique attention and global focus, delivering the best of both worlds. Our team provides concierge-level service and sophisticated investment strategies to a select clientele. With personalized attention and tailored financial advice, we cover everything from cash management and lending to estate planning strategy , asset protection planning, and family office resources. Our clients also enjoy access to Morgan Stanley's vast resources and intellectual capital. As a comprehensive solution, we are dedicated to meeting all our clients’ financial needs under one roof.
The term "Family Office Resources" is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Services Include
- Alternative InvestmentsFootnote1
- Estate Planning StrategiesFootnote2
- Trust ServicesFootnote3
- Wealth ManagementFootnote4
- Retirement PlanningFootnote5
- Business PlanningFootnote6
- Cash Management and Lending ProductsFootnote7
- Art AdvisoryFootnote8
- Philanthropic ManagementFootnote9
- Stock Plan ServicesFootnote10
- Sustainable InvestingFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Alternative Investments Director
Having an Alternative Investment Director on our team means that we have the experience in order to present alternative investment options to qualified investors. This designation is only available to select advisors who meet special criteria and eligibility requirements.
As an Alternative Investments Director, Andrew and the team offer a suite of alternative investments to help our clients meet their personal and goals. Alternative investment offerings include:
Private Equity
Private Credit
Real Estate/Real Assets
Hedge Funds/Funds of Funds
Managed Futures
Exchange Funds
In addition, this designation gives Andrew access to distinct benefits and leadership opportunities including:
• Sitting on the Morgan Stanley Alternative Investment Advisory Council
• Assisting other advisors through strategic partnerships and mentorships
• Expertise of alternative investment solutions pertaining to portfolio diversification, growth orientated, tax advantaged, and income generation
• Providing valuable input regarding current industry trends/themes, product pipeline and demand assessment, and technology developments and operational enhancements
• Participating in product strategy calls
As an Alternative Investments Director, Andrew and the team offer a suite of alternative investments to help our clients meet their personal and goals. Alternative investment offerings include:
Private Equity
Private Credit
Real Estate/Real Assets
Hedge Funds/Funds of Funds
Managed Futures
Exchange Funds
In addition, this designation gives Andrew access to distinct benefits and leadership opportunities including:
• Sitting on the Morgan Stanley Alternative Investment Advisory Council
• Assisting other advisors through strategic partnerships and mentorships
• Expertise of alternative investment solutions pertaining to portfolio diversification, growth orientated, tax advantaged, and income generation
• Providing valuable input regarding current industry trends/themes, product pipeline and demand assessment, and technology developments and operational enhancements
• Participating in product strategy calls
Family Wealth Director
Our Family Wealth Advisory Services is a suite of services available to provide our ultra-high net worth clients with an elite financial and lifestyle advisory experience. As a Family Wealth Director, Andrew and the team have exclusive benefits, specialized training, and the resources necessary to help our clients address every aspect of their unique lifestyle. This designation is only available to select advisors who meet special criteria and eligibility requirements.
As a Family Wealth Director, our team has the ability to create and implement extensive and comprehensive wealth management strategies for our clients that take into account all aspects of their financial life. This includes asset management, risk management, income taxation, inter-generational wealth transfer, residential and commercial lending, insurance needs, business ownership and succession, family governance and dynamics, and philanthropy management.
In addition to financial needs, we also provide our ultra-high net worth clients with lifestyle advisory. This is a personalized concierge service that gives our clients access to a preferred network of worldwide vendors outside of Morgan Stanley. Some of the services include Art Advisory, Private Healthcare Advisory, Aircraft Advisory, Property & Casualty Insurance and Home Advisory, Travel and Concierge Services, and Personal Enrichment.
As a Family Wealth Director, our team has the ability to create and implement extensive and comprehensive wealth management strategies for our clients that take into account all aspects of their financial life. This includes asset management, risk management, income taxation, inter-generational wealth transfer, residential and commercial lending, insurance needs, business ownership and succession, family governance and dynamics, and philanthropy management.
In addition to financial needs, we also provide our ultra-high net worth clients with lifestyle advisory. This is a personalized concierge service that gives our clients access to a preferred network of worldwide vendors outside of Morgan Stanley. Some of the services include Art Advisory, Private Healthcare Advisory, Aircraft Advisory, Property & Casualty Insurance and Home Advisory, Travel and Concierge Services, and Personal Enrichment.
Global Sports and Entertainment Director
As a Global Sports and Entertainment (GSE) Director, Andrew and the team deliver a suite of tailor-made solutions for our clients in the professional sports and entertainment industry. This designation is only available to select advisors who meet special criteria and eligibility requirements.
Having a GSE Director on our team means that we understand that every time our clients step onto the field, the stage or the court, they are stepping into the spotlight. They have opportunities other people will never have, and challenges most people will never experience. Our team knows the nature of the business and has the experience and world-class resources needed to help our clients navigate successfully through it. Every sports and entertainment profession is unique with its own earnings profile and variable career span and we can provide financial strategies and solutions that match the lifestyle and career path. As a part of our clients' team, we work collaboratively to analyze and address every aspect of our clients’ unique financial life. Our goal is to make sure how they spend, save, invest, borrow, protect, and give is in line with their personal financial values and philosophy.
Having a GSE Director on our team means that we understand that every time our clients step onto the field, the stage or the court, they are stepping into the spotlight. They have opportunities other people will never have, and challenges most people will never experience. Our team knows the nature of the business and has the experience and world-class resources needed to help our clients navigate successfully through it. Every sports and entertainment profession is unique with its own earnings profile and variable career span and we can provide financial strategies and solutions that match the lifestyle and career path. As a part of our clients' team, we work collaboratively to analyze and address every aspect of our clients’ unique financial life. Our goal is to make sure how they spend, save, invest, borrow, protect, and give is in line with their personal financial values and philosophy.
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Aventura NewsLocation
20807 Biscayne Blvd
5th & 6th Fl
Aventura, FL 33180
US
Direct:
(305) 937-7170(305) 937-7170
Meet The Menachem Wealth Management Group
Geoffrey Robbins, CFP®, CIMA®
First Vice President, Wealth Advisor, Senior Investment Management Consultant
Phone:
(305) 937-7166(305) 937-7166
Jennifer Matozzo
Senior Client Service Associate
Phone:
(305) 937-7126(305) 937-7126
Kevin Shurland
Vice President, Financial Advisor
Phone:
(305) 937-6835(305) 937-6835
Stephen Sherman, Senior Vice President
Financial Advisor
Phone:
(305) 937-7124(305) 937-7124
About Andrew Menachem
Andrew started his career in finance in 1995, shortly after his father passed away. At only 22, Andrew was the eldest of four kids and became the “man of house” by default. His father left the family significant assets, but Andrew and his mother were novice investors and made mistakes. They depended on Advisers that directed the family’s assets poorly and inevitably lost money. As a result, Andrew became immersed in financial planning. He studied voraciously and became an investment advisor, vowing to himself to help educate others first and foremost.
An author, speaker, educator, student and financier, Andrew holds professional designations as a Certified Investment Management Analyst® and Certified Wealth Strategist®, Global Sports and Entertainment Director, Lending Director, and and Family Wealth Director, and throughout his career has received numerous accolades including being recognized by Barron's Magazine as one of America’s Top 100 Advisors in 2011. He has penned finance columns and has been quoted in the Miami Herald’s Business Section, Barron’s, South Florida Business Journal, Caribbean Today, Florida Investor, Investment News, Social Affairs, Aventura News, South Florida Legal Guide, Florida Investor, and Bloomberg. He is a financial columnist for the Miami Herald and writes a wealth management column in its Business Monday section. Andrew has also produced a weekly radio program for Clear Channel Radio and is regularly interviewed by local and trade media.
Andrew earned a B.A. from The George Washington University, received his M.B.A from Nova Southeastern, and completed an IMCA at Wharton. He is currently a proud member of the Morgan Stanley Alternative Investment Advisory Council at Morgan Stanley. Outside of work, Andrew is an avid art collector, wine collector, and involved in various charitable organizations. He resides in Coral Gables, FL with his wife Shari, two sons Cooper and Jackson, and his dog Riley.
Barron's Top 100 Financial Advisors
Source: Barron's.com (Awarded Apr 2011) Data compiled by Barron's based on time period from Dec 2009 - Dec 2010.
An author, speaker, educator, student and financier, Andrew holds professional designations as a Certified Investment Management Analyst® and Certified Wealth Strategist®, Global Sports and Entertainment Director, Lending Director, and and Family Wealth Director, and throughout his career has received numerous accolades including being recognized by Barron's Magazine as one of America’s Top 100 Advisors in 2011. He has penned finance columns and has been quoted in the Miami Herald’s Business Section, Barron’s, South Florida Business Journal, Caribbean Today, Florida Investor, Investment News, Social Affairs, Aventura News, South Florida Legal Guide, Florida Investor, and Bloomberg. He is a financial columnist for the Miami Herald and writes a wealth management column in its Business Monday section. Andrew has also produced a weekly radio program for Clear Channel Radio and is regularly interviewed by local and trade media.
Andrew earned a B.A. from The George Washington University, received his M.B.A from Nova Southeastern, and completed an IMCA at Wharton. He is currently a proud member of the Morgan Stanley Alternative Investment Advisory Council at Morgan Stanley. Outside of work, Andrew is an avid art collector, wine collector, and involved in various charitable organizations. He resides in Coral Gables, FL with his wife Shari, two sons Cooper and Jackson, and his dog Riley.
Barron's Top 100 Financial Advisors
Source: Barron's.com (Awarded Apr 2011) Data compiled by Barron's based on time period from Dec 2009 - Dec 2010.
Securities Agent: SC, DC, VT, VA, TN, NY, MT, HI, AL, RI, PR, NV, NJ, MS, MI, MD, IN, AR, WI, MN, KS, IL, WY, PA, OK, GA, FL, CO, CA, WV, VI, NM, LA, ID, WA, OR, OH, NH, NC, MO, IA, AK, UT, SD, ME, DE, CT, AZ, TX, ND, MA, KY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278949
NMLS#: 1278949
About Geoffrey Robbins
Geoffrey is the co-founders of The Menachem Wealth Management Group. With over 25 years of industry experience, Geoff brings his vast knowledge of the markets and analytical mindset to the team. As a Certified Financial Planner® and Certified Investment Management Analyst®, he has extensive training and experience with the financial planning process. In his role, Geoff oversees the investment selection and implementation process for our clients’ portfolios. He analyzes products and managers and transitions money into customized models that the team has developed. These models are specifically tailored investment strategies that align with each client’s unique goals, life situation, time horizon, and risk tolerance. He focuses his investment process on diversified investments that have consistent performance and are cost effective.
Geoff holds a B.S from University of Miami, received his M.B.A from Nova Southeastern University and completed his IMCA training at the Wharton School at the University of Pennsylvania. He lives in Aventura, Florida and in his spare time enjoys traveling, attending sporting events and collecting art.
Geoff holds a B.S from University of Miami, received his M.B.A from Nova Southeastern University and completed his IMCA training at the Wharton School at the University of Pennsylvania. He lives in Aventura, Florida and in his spare time enjoys traveling, attending sporting events and collecting art.
Securities Agent: WA, TX, PA, OR, MA, NJ, SC, NY, NC, DE, MD, CT, PR, IL, WV, VA, OH, NV, AL, MT, GA, FL, CO, CA, VT, MI, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1347333
NMLS#: 1347333
About Jennifer Matozzo
Jennifer is the “Momma Bear” of the group. From managing the daily operations for the team to addressing and resolving clients’ service inquiries, Jenn treats our clients like her own family and keeps our business running smoothly. Jenn started her financial career at Morgan Stanley, formerly Dean Witter in 1999, and soon after joined the Menachem Wealth Management Group. Jenn brings her wealth of knowledge, sharp communication skills, and positive attitude to the team. Drawing from her passion to provide exceptional service, she is known to quickly establish trust in relationships and go above and beyond for our clients.
Jenn resides in Hollywood, FL and is a loyal Pittsburgh Steelers fan. Outside of work she enjoys spending time with her husband, and being a mother to her two beautiful daughters, and her fur babies Brinkley and Charlie.
Jenn resides in Hollywood, FL and is a loyal Pittsburgh Steelers fan. Outside of work she enjoys spending time with her husband, and being a mother to her two beautiful daughters, and her fur babies Brinkley and Charlie.
About Kevin Shurland
Kevin has more than 20 years of experience in the financial services industry and brings a unique skill set to the group which allows him to provide comprehensive wealth planning and risk management to all of our clients. He delivers technical and fundamental trading advice, assesses concentrated investment positions, creates financial plans for potential and current clients, and performs transition and portfolio risk analysis. Kevin began his investment career at Merrill Lynch as an intern and associate and then as a Financial Advisor with the Private Client Group in New York City. Prior to joining Morgan Stanley, Kevin worked on a proprietary trading desk in New York for over a decade where he managed and executed trading strategies. His experience as a trader allows him to assist and advise on complex and timely equity transactions including options trading and creating customized structured notes.
Kevin holds a BA in Economics from Brandeis University, and in his spare time he enjoys the outdoors, hiking, and staying fit. He is also a football fanatic, and although he is a Dallas Cowboys fan, don’t hold it against him.
Securities Agent: WV, CA, CO, CT, DC, FL, GA, IL, TN, MA, MD, MT, NC, NJ, NV, NY, OH, OR, PA, SC, TX, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1504792
Kevin holds a BA in Economics from Brandeis University, and in his spare time he enjoys the outdoors, hiking, and staying fit. He is also a football fanatic, and although he is a Dallas Cowboys fan, don’t hold it against him.
Securities Agent: WV, CA, CO, CT, DC, FL, GA, IL, TN, MA, MD, MT, NC, NJ, NV, NY, OH, OR, PA, SC, TX, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1504792
Securities Agent: CA, DC, PA, GA, CO, SC, MD, IL, FL, WI, WA, VT, NV, CT, WV, OR, MT, AL, AZ, TX, OH, NY, NJ, NC, VA, MI, MA; General Securities Representative; Investment Advisor Representative
About Stephen Sherman
Steve is a veteran of the industry and of Morgan Stanley, having spent 36 years in the company. As a financial advisor, his main focus is on the client-advisor relationship. He excels at building connections and his personable "can do" attitude makes his clients feel as though they are talking to a friend, not just their advisor. Steve's many years in the financial field have given him a keen eye for investment opportunities, and a special talent for providing reassurance and confidence during tough market times.
In his spare time he enjoys playing guitar, boating, and doing yoga. We are very excited to have him join our team and bring his vast amount of knowledge and experience to the table!
Securities Agent: AL, AZ, CA, CO, CT, DC, FL, GA, MA, MD, MI, MT, NC, NJ, NV, NY, OH, OR, PA, RI, SC, TX, VA, VA, VT, WA, WV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1373787
In his spare time he enjoys playing guitar, boating, and doing yoga. We are very excited to have him join our team and bring his vast amount of knowledge and experience to the table!
Securities Agent: AL, AZ, CA, CO, CT, DC, FL, GA, MA, MD, MI, MT, NC, NJ, NV, NY, OH, OR, PA, RI, SC, TX, VA, VA, VT, WA, WV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1373787
Securities Agent: WV, SC, OH, CT, AL, AZ, PA, NC, CO, TX, OR, NJ, DC, CA, NV, MD, MA, FL, WA, VT, VA, MT, MI, GA, WI, RI, NY; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
Contact Andrew Menachem
Contact Geoffrey Robbins
Wealth Management
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
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Ready to start a conversation? Contact The Menachem Wealth Management 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.
1Alternative 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.
2Morgan 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.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
7Morgan 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
8Products 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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
9Products 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.
10Morgan 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.
11The 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.
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
1Alternative 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.
2Morgan 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.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
7Morgan 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
8Products 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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
9Products 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.
10Morgan 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.
11The 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.
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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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)