David K Metz, CFP®, CFA
Executive Director, Financial Advisor, Resident Manager
Phone:
(717) 960-5345(717) 960-5345
The Metz Wealth Management Group at Morgan Stanley
Direct:
(717) 258-4363(717) 258-4363
Toll-Free:
(800) 348-1776(800) 348-1776
Our Mission Statement
To help you live life to the fullest, while pursuing your future goals with greater confidence
Our Story and Services
Finance can be a cold, impersonal discipline with spreadsheets and line graphs guiding your decisions and measuring whether you made the right ones.
Not at The Metz Wealth Management Group.
We combine the extensive resources of a major global financial institution with the personal care and attention you would expect from a trusted friend or neighbor.
That’s because many of our clients are our friends and neighbors. They look to us for guidance that incudes their investments but goes far beyond to encompass other aspects of their financial lives. They pass us on like an heirloom to their children and grandchildren. They know we will listen to them carefully and help develop plans that are customized to help meet their needs and address the challenges they face
David Metz is a Chartered Financial Analyst (CFA®), CERTIFIED FINANCIAL PLANNER™ (CFP®) and Morgan Stanley-credentialed Family Wealth Director who manages client assets on a discretionary basis. Along with Cory Melchior our Financial Planning Specialist, and Lexi Walker our Client Service Associate who are committed to simplifying your financial life by performing a wide variety of administrative functions and providing you with prompt, efficient service. Together, we can help make a difference in your ability to retire comfortably, leave a meaningful legacy to your loved ones or simply achieve greater financial security for yourself and your family.
Also, The Metz Wealth Management Group has been named a Forbes’ Best- In- State Wealth Management Team for 2024. This recognition reflects their exceptional financial planning and investment management services, along with the commitment to excellence in helping clients achieve their financial goals.
Forbes Best-In-State Wealth Management Teams (2025)
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Not at The Metz Wealth Management Group.
We combine the extensive resources of a major global financial institution with the personal care and attention you would expect from a trusted friend or neighbor.
That’s because many of our clients are our friends and neighbors. They look to us for guidance that incudes their investments but goes far beyond to encompass other aspects of their financial lives. They pass us on like an heirloom to their children and grandchildren. They know we will listen to them carefully and help develop plans that are customized to help meet their needs and address the challenges they face
David Metz is a Chartered Financial Analyst (CFA®), CERTIFIED FINANCIAL PLANNER™ (CFP®) and Morgan Stanley-credentialed Family Wealth Director who manages client assets on a discretionary basis. Along with Cory Melchior our Financial Planning Specialist, and Lexi Walker our Client Service Associate who are committed to simplifying your financial life by performing a wide variety of administrative functions and providing you with prompt, efficient service. Together, we can help make a difference in your ability to retire comfortably, leave a meaningful legacy to your loved ones or simply achieve greater financial security for yourself and your family.
Also, The Metz Wealth Management Group has been named a Forbes’ Best- In- State Wealth Management Team for 2024. This recognition reflects their exceptional financial planning and investment management services, along with the commitment to excellence in helping clients achieve their financial goals.
Forbes Best-In-State Wealth Management Teams (2025)
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Valuable Tools and Resources
We believe financial education can lead to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that can impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that can impact your overall wealth.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Check out the latest episode
Addressing Cybercrime
In a world that is now more virtual than ever, staying safe online is nothing short of paramount. Take advantage of these helpful hints on how to tell if you've been hacked.
Learn how to detect hackingDigital Tools
Our comprehensive suite of digital tools are designed to help enhance most aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology to help reach your financial goals.
Learn About Our Planning Tools
Tax-Aware Investing
By implementing tax-efficient strategies as part of your investment process you may increase potential portfolio returns and achieve your goals faster.
Learn more about Total Tax 365Upcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
Online
Additional Replays
Our Suite of Services
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to help achieve your particular priorities and goals.
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately, generate cash-flow or create income as you require.
The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Business Planning
Focusing on the factors that make a difference in your business —from your perspective on ownership, control and liquidity, to the key challenges and opportunities you may face.
Estate Planning & Philanthropic Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to help you align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to enhance results.
Disclosures
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. 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.
Disclosures
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. 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.
Location
419 Village Dr
Ste 1
Carlisle, PA 17015
US
Direct:
(717) 258-4363(717) 258-4363
Toll-Free:
(800) 348-1776(800) 348-1776
214 Senate Avenue
7th Floor
Camp Hill, PA 17011
US
Meet The Metz Wealth Management Group
Cory Melchior
Financial Advisor, Financial Planning Specialist
Phone:
(717) 960-5359(717) 960-5359
Lexi Walker
Client Service Associate
Phone:
(717) 960-5344(717) 960-5344
Sheri Gray
Wealth Management Associate
Phone:
(717) 852-4131(717) 852-4131
Kristie Snyder
Senior Client Service Associate
Phone:
(717) 815-1061(717) 815-1061
About David K Metz
David has a passion for financial markets that is only exceeded by his passion for helping people achieve their financial aspirations. He began his career at a Morgan Stanley predecessor firm while still in college and joined the firm full-time after graduation. 25 years later, he founded The Metz Wealth Management Group, a team of financial professionals that provides clients with comprehensive financial planning and discretionary investment management.
Early in his career, David realized that the complexity of today’s financial environment demands a commitment to ongoing vigilance and education. He pursued two industry designations that are among the most challenging to attain in the financial services industry. As a Chartered Financial Analyst (CFA®), David was able to develop a proprietary methodology for managing client assets. He screens numerous companies for business strength, management acumen and stock valuation to determine which should be considered candidates for client portfolios. As a CERTIFIED FINANCIAL PLANNER™ (CFP®), he goes beyond investing to develop plans that encompass such diverse disciplines as lending solutions, insurance, and estate planning strategies – in short, virtually every aspect of his clients’ financial lives. In addition, David is one of about 5% of Morgan Stanley Financial Advisors (as of Dec. 2024) to have earned the firm’s Family Wealth Director designation, a credential that allows him to provide further insight to high-net-worth clients seeking to transfer wealth to the next generation.
A native Pennsylvanian, David graduated from Dickinson College as a double major in Economics and Policy & Management Studies. He has always been an active member of his community, volunteering with numerous non-profit organizations. Currently, he serves as Board Chair at The Carlisle Arts Learning Center and sits on the boards of the YMCA and Todd Baird Lindsey Devlin Foundation. When not volunteering, monitoring markets and advising clients, David spends as much time as he can with his wife Jennifer and their two children, Katie and Owen.
Also, The Metz Wealth Management Group has been named a Forbes’ Best- In- State Wealth Management Team for 2024. This recognition reflects their exceptional financial planning and investment management services, along with the commitment to excellence in helping clients achieve their financial goals.
Forbes Best-In- State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan 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
Early in his career, David realized that the complexity of today’s financial environment demands a commitment to ongoing vigilance and education. He pursued two industry designations that are among the most challenging to attain in the financial services industry. As a Chartered Financial Analyst (CFA®), David was able to develop a proprietary methodology for managing client assets. He screens numerous companies for business strength, management acumen and stock valuation to determine which should be considered candidates for client portfolios. As a CERTIFIED FINANCIAL PLANNER™ (CFP®), he goes beyond investing to develop plans that encompass such diverse disciplines as lending solutions, insurance, and estate planning strategies – in short, virtually every aspect of his clients’ financial lives. In addition, David is one of about 5% of Morgan Stanley Financial Advisors (as of Dec. 2024) to have earned the firm’s Family Wealth Director designation, a credential that allows him to provide further insight to high-net-worth clients seeking to transfer wealth to the next generation.
A native Pennsylvanian, David graduated from Dickinson College as a double major in Economics and Policy & Management Studies. He has always been an active member of his community, volunteering with numerous non-profit organizations. Currently, he serves as Board Chair at The Carlisle Arts Learning Center and sits on the boards of the YMCA and Todd Baird Lindsey Devlin Foundation. When not volunteering, monitoring markets and advising clients, David spends as much time as he can with his wife Jennifer and their two children, Katie and Owen.
Also, The Metz Wealth Management Group has been named a Forbes’ Best- In- State Wealth Management Team for 2024. This recognition reflects their exceptional financial planning and investment management services, along with the commitment to excellence in helping clients achieve their financial goals.
Forbes Best-In- State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan 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
Securities Agent: NM, WY, WI, NV, KS, CT, NY, DC, WV, PR, PA, TN, UT, VT, WA, TX, OK, IN, IL, MD, OH, MN, MO, MS, NC, NE, NJ, ME, ND, VA, AL, CA, SD, AR, SC, RI, CO, OR, NH, MT, MI, MA, LA, HI, GA, FL, DE, AZ, VI, KY, ID, IA, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1394626
NMLS#: 1394626
About Cory Melchior
Cory joined The Metz Wealth Management Group, in July 2022. He brings a high-energy and passionate attitude towards assisting clients reach their financial goals.
Cory seeks to gain as much knowledge and training while working side-by-side with the team on the operational, administrative, and securities advice side of the business. He currently can implement trades with his securities registrations and is looking to further his wealth management career by entering the Morgan Stanley Financial Advisor Associate Program.
Before moving to Carlisle, Cory was born and raised in his hometown - Boyertown. He is a graduate of Pennsylvania State University – Berks with a B.S. in Business (Finance) and a Minor in Accounting. Outside of the workplace, he enjoys watching sports such as NFL or college football, golfing, and hanging with his friends.
Also, The Metz Wealth Management Group has been named a Forbes’ Best-In-State Wealth Management Team for 2024. This recognition reflects their exceptional financial planning and investment management services, along with the commitment to excellence in helping clients achieve their financial goals.
Forbes Best-In-State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Cory seeks to gain as much knowledge and training while working side-by-side with the team on the operational, administrative, and securities advice side of the business. He currently can implement trades with his securities registrations and is looking to further his wealth management career by entering the Morgan Stanley Financial Advisor Associate Program.
Before moving to Carlisle, Cory was born and raised in his hometown - Boyertown. He is a graduate of Pennsylvania State University – Berks with a B.S. in Business (Finance) and a Minor in Accounting. Outside of the workplace, he enjoys watching sports such as NFL or college football, golfing, and hanging with his friends.
Also, The Metz Wealth Management Group has been named a Forbes’ Best-In-State Wealth Management Team for 2024. This recognition reflects their exceptional financial planning and investment management services, along with the commitment to excellence in helping clients achieve their financial goals.
Forbes Best-In-State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: LA, AZ, WY, WA, OK, NE, MI, IL, RI, PR, NC, MA, AR, MO, HI, DE, WV, VT, SD, OH, NY, MS, MD, DC, SC, NM, KS, CO, TN, IN, GA, FL, WI, UT, TX, NH, MN, AL, OR, CT, CA, NV, ME, VA, PA, NJ, ND, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 2438875
NMLS#: 2438875
About Lexi Walker
Lexi joined The Metz Wealth Management Group, in 2021. She brings an effervescent personality and can-do attitude to every client she works with, not to mention a passion for all things financial.
Clients look to Lexi for a variety of operational and administrative functions ranging from helping them open accounts to transferring assets and completing cumbersome paperwork. “I’ve always had an interest in finance,” she exclaims. “My family and I have been discussing stocks since I was a teenager and following those we buy or even thought about buying.” Lexi has also long kept a journal of her expenses and revenues that she encourages her friends to emulate.
A graduate of Indiana University of Pennsylvania with a BS in Dietetics, Lexi was a member of the varsity swim team and has coached children at The Big Springs Aquatic Club in her hometown of Newville.
Clients look to Lexi for a variety of operational and administrative functions ranging from helping them open accounts to transferring assets and completing cumbersome paperwork. “I’ve always had an interest in finance,” she exclaims. “My family and I have been discussing stocks since I was a teenager and following those we buy or even thought about buying.” Lexi has also long kept a journal of her expenses and revenues that she encourages her friends to emulate.
A graduate of Indiana University of Pennsylvania with a BS in Dietetics, Lexi was a member of the varsity swim team and has coached children at The Big Springs Aquatic Club in her hometown of Newville.
Contact David K Metz
Contact Cory Melchior
Wealth Management
From Our Team
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Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Metz 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.
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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5The 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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5The 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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
