Executive Director, Wealth Management, Financial Advisor, Alternative Investments Director, Global Sports and Entertainment Director
Phone:
(305) 533-0215(305) 533-0215
The Miami Legacy Group at Morgan Stanley
Direct:
(305) 347-2000(305) 347-2000
Our Mission Statement
We provide sophisticated wealth management for families, equipping them to simplify their lives and embrace the future.
Our Story and Services
As your Financial Advisors, we are dedicated to helping you define and achieve your financial goals by providing a comprehensive range of resources tailored to your specific investment needs. Our team is committed to working closely with you to preserve and grow your wealth, ensuring that you have access to the best possible guidance and support.
We understand that many careers, such as those of athletes and entertainers, can have their ups and downs. This is why planning ahead for financial stability is crucial. Our services offer you direct access to some of the world's most experienced and respected investment professionals. With our premier trading and execution platform, you can execute your investment strategies with confidence and precision. We offer a full spectrum of investment choices designed to meet diverse needs and preferences, from traditional equities and bonds to more sophisticated alternatives.
By leveraging our extensive resources and expertise, we aim to create a personalized investment strategy that aligns with your unique objectives. Whether you are planning for retirement, building a legacy, or managing the financial complexities of your professional career, we are here to help you navigate the journey and achieve financial stability.
We invite you to explore our new platform, the Morgan Stanley Goals Planning System, which will connect your investment strategy to what matters most to you. Let us assist you in planning for the unexpected and ensuring a financially secure future. Together, we can build a solid foundation for your financial success.
We understand that many careers, such as those of athletes and entertainers, can have their ups and downs. This is why planning ahead for financial stability is crucial. Our services offer you direct access to some of the world's most experienced and respected investment professionals. With our premier trading and execution platform, you can execute your investment strategies with confidence and precision. We offer a full spectrum of investment choices designed to meet diverse needs and preferences, from traditional equities and bonds to more sophisticated alternatives.
By leveraging our extensive resources and expertise, we aim to create a personalized investment strategy that aligns with your unique objectives. Whether you are planning for retirement, building a legacy, or managing the financial complexities of your professional career, we are here to help you navigate the journey and achieve financial stability.
We invite you to explore our new platform, the Morgan Stanley Goals Planning System, which will connect your investment strategy to what matters most to you. Let us assist you in planning for the unexpected and ensuring a financially secure future. Together, we can build a solid foundation for your financial success.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Family Wealth Resources
At Morgan Stanley, we have a select group of Financial Advisors who earned the Family Wealth Director designation. It is given to those who have extensive experience working with ultra high net worth families, and who have undergone specialized training. Family Wealth Directors have direct access to an extensive range of resources needed to help affluent families manage the complex, multigenerational challenges of significant wealth.
As your life and career evolve, so do your goals. We help you answer critical financial questions and adapt your strategy to meet your changing needs.
Estate Planning Strategies
A fully integrated, holistic analysis of your balance sheet, estate plan, and investment strategy through a collaborative process, including your Morgan Stanley Family Wealth Director, Wealth and Estate Planning Strategist and, at your request, your legal and tax advisors.
Access to Cash Management & Lending
Comprehensive cash management and lending solutions available to compliment your investment strategy.
Family Governance & Wealth Education
Dedicated professionals who can help you address sensitive family issues, facilitate communication, manage conflict and achieve a shared sense of common direction in coordination with clients' outside advisors.
Philanthropy Management
Provide strategic advisory solutions that can help our clients achieve their philanthropic goals.
Lifestyle Advisory
Provide bespoke solutions and access to knowledgeable, highly personal third\-party providers to help meet your exceptional needs from the everyday to the extraordinary.
The Basics of Estate Planning
We look at all aspects of an individual's estate to understand the potential income tax and estate planning implications. Our goal is to make informed investment decisions looking at your estate plan holistically. Click the link below to learn more about estate planning.
Global Sports and Entertainment
Morgan Stanley's Global Sports & Entertainment is a highly specialized wealth management division, dedicated to serving the unique and complex needs of athletes, entertainers, creators and top professionals in the sports and entertainment industry.
Every sports and entertainment profession has its own unique elements, including earnings profiles and variable career spans that can have a major impact on wealth management. A sports or entertainment professional should have a Financial Advisor who knows the industry and how money flows from your work to your wallet.
As a Sports and Entertainment Director, Richard was chosen for his experience working with athletes and/or entertainers, so he understands your total financial picture. With he and his team's credentials, experience and knowledge, they can craft financial strategies that reflect the unique challenges and dynamics that athletes and entertainers face.
- Take care of your family without compromising your own future
- Help you understand the mechanics of your financial well-being
- Extend your brand or expand your footprint
- Stretch peak earnings and plan for your lifetime
- Build, buy, borrow and understand how to navigate the financial world
- Make the difference you want to see in the world
- Developing a sustainable budget
- Determining and articulating your financial goals
- Setting financial boundaries that help safeguard your money
- Creating strategies to help preserve, grow and transfer wealth
- Analyzing investment and/or business opportunities
Celebrating a Decade. Empowering a Generation.
The Morgan Stanley Global Sports & Entertainment division is celebrating its 10th Anniversary of being a leader in the industry. Take a look at the video below to learn more about how the MPT Wealth Management Group can help empower you to reach new heights.
Protecting Your Star Power: Audiocast
In the high-stakes world of sports and entertainment, the unexpected can strike at any moment. Athletes and entertainers need protection and require insurance solutions that go beyond the basics. That is why Morgan Stanley Global Sports & Entertainment and Insured Solutions have teamed to launch a new audiocast series. Listen to the first episode to learn more.
How We Can Help
Examples of Our Services
Financial Solutions for Prospective Pros
The journey to becoming a professional athlete is exciting – and challenging. The Global Sports & Entertaiment Groups can offer financial support at the right moment. Even if an athlete just wants to talk with us to get a second opinion about their options, we're here to help. It's all part of our mission to give back to the sports and entertainment community by providing the skills and knowledge to help athletes make smart choices about their finances. We want athletes to not only think about today, but tomorrow, too.
The Path From Athlete to Entrepreneur
Entrepreneurs and athletes have a lot in common: Both have competitive drives and get-it-done mindsets. They don't shy away from calculated risks and consider failure as a learning opportunity. Many athletes think about what they'll do after sports, some choosing to become entrepreneurs. Learn how a our team can help plan for success.
Investing in Life After the Game
Careers in sports and entertainment follow unique financial trajectories that may benefit from a tailored investing approach. A planned approach with the right asset allocation framework can help athletes and entertainers preserve and, in some cases, enhance their career earnings.
Coogan Accounts: Protecting Your Child Star’s Earnings
When child entertainers and athletes achieve financial success, unique considerations come into play, from financial demands to fiduciary requirements and labor laws. For parents of a rising star, it's essential to carefully manage their child's finances. The entertainment industries are notoriously fickle, and you want to make sure your child's early success leads to a financially secure adulthood.
Valuable Tools and Investor Resources
We believe financial education leads to better insights into our investment strategy and better long-term decisions. As a result, the MPT Wealth Management Group is 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.
Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
The GIC Weekly Research Report
The Global Financial Committee (GIC) is a gathering of seasoned investment professionals who meet regularly to talk about the state of the world's markets and economy. Check out this weekly article on the performance of asset classes, fixed income, and international markets is written by Lisa Shalett.
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 a variety of viewpoints regarding the latest trends in the financial marketplace.
2023 Tax Tables
This helpful resource outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
2023 Global Macro Outlook
Next year is likely to see weaker growth, less inflation and the end of rate hikes, with the U.S. narrowly missing a recession, Europe contracting and Asia offering green shoots for growth.
Forbes Best in State Wealth Advisors 2020: Ranked #29
Source: Forbes.com (February 2024) Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State rankings awarded in 2020. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 9/30/21 - 9/30/23. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its rankings.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2020) Data compiled by the Financial Times based on time period from 6/30/18 - 6/30/19.
Location
200 S Biscayne Blvd
Ste 1100
Miami, FL 33131
US
Direct:
(305) 347-2000(305) 347-2000
Meet The Miami Legacy Group
Phone:
(954) 895-5682(954) 895-5682
Andres Bordone
Registered Client Service Associate
Phone:
(305) 376-8516(305) 376-8516
About Richard Comeau
An Executive Director, Alternative Investments Director, Global Sports and Entertainment Director, Richard Comeau, has over 38 years of experience devoted to the investment management business. His extensive knowledge and experience of the markets leads to a long term technical approach to investing. His career experience at the best firms on Wall Street gives him acknowledge of the industry which leads to unbiased guidance in the construction of investments and portfolio management.
Richard is an alumnus of Marquette University with a Bachelor’s Degree in History and a minor in Business Administration. After graduation, he started his career in New York City in 1986 in New York City. He has worked at the best institutions in the industry such as Lehman Brothers, Goldman Sachs, J. P. Morgan and now at Mogan Stanley since July of 2020. Richard’s dedication and diligence over his career have earned him several top recognitions. In 2019, he was named one of the Top 400 Financial Advisors by The Financial Times, and in 2020 he was named one of the Best In State Advisors by Forbes Shook Research. While at Morgan Stanley he was a member of the Century Club in 2021 and The Master’s Club in 2022.
Richard and his wife, Julia, live in the Brickell area in Miami, Florida since 2018. He has three children who are working in the Northeast. Having raised his family in Greenwich where he spent years coaching youth sports. Julia and Richard are active pickleball players and enjoy travelling. He continues to work with professional athletes, business owners, doctors, and helps with their charitable endeavors. He and his wife have been active supporters for Global Lyme Alliance.
Richard is an alumnus of Marquette University with a Bachelor’s Degree in History and a minor in Business Administration. After graduation, he started his career in New York City in 1986 in New York City. He has worked at the best institutions in the industry such as Lehman Brothers, Goldman Sachs, J. P. Morgan and now at Mogan Stanley since July of 2020. Richard’s dedication and diligence over his career have earned him several top recognitions. In 2019, he was named one of the Top 400 Financial Advisors by The Financial Times, and in 2020 he was named one of the Best In State Advisors by Forbes Shook Research. While at Morgan Stanley he was a member of the Century Club in 2021 and The Master’s Club in 2022.
Richard and his wife, Julia, live in the Brickell area in Miami, Florida since 2018. He has three children who are working in the Northeast. Having raised his family in Greenwich where he spent years coaching youth sports. Julia and Richard are active pickleball players and enjoy travelling. He continues to work with professional athletes, business owners, doctors, and helps with their charitable endeavors. He and his wife have been active supporters for Global Lyme Alliance.
Securities Agent: PA, GA, WV, CT, SC, NC, IL, NH, DC, IN, NY, MO, DE, UT, RI, AZ, OK, NV, NJ, MD, CA, TX, TN, MI, FL, CO, WA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 2147096
NMLS#: 2147096
About Spencer Johnson
“I believe clients choose to work with our team because of our knowledge, first and foremost—not just our knowledge of investments or planning strategies but also our knowledge of our clients and what they want to achieve personally and professionally. Clients also depend on our integrity, which we know is imperative in our business.”
Spencer focuses on working with clients to develop a customized financial plan that can serve as a tangible road map for guiding them toward their personal and professional objectives. As part of this role, he manages investment portfolios, prepares equity compensation analyses and evaluates risk management strategies, including insurance and annuities. Spencer is committed to building long-term relationships with his clients through exceptional service and a dedication to putting clients first.
Spencer has nearly 15 years of investment experience across equities trading, fixed income and wealth management. He joined Morgan Stanley in 2017 and worked with successful individuals and families in the United States, Caribbean and Latin America. Previously, Spencer worked at Credit Suisse in fixed income and equities sales and trading. He has earned the designation of CERTFIED FINANCIAL PLANNER® to expand his knowledge of the planning process, and he graduated with a B.A. in international business from Champlain College.
After growing up in New Jersey, Spencer now lives in Miami with his family. He is an avid alpinist and the chair of the American Alpine Club’s Miami chapter. He is fluent Spanish.
Spencer focuses on working with clients to develop a customized financial plan that can serve as a tangible road map for guiding them toward their personal and professional objectives. As part of this role, he manages investment portfolios, prepares equity compensation analyses and evaluates risk management strategies, including insurance and annuities. Spencer is committed to building long-term relationships with his clients through exceptional service and a dedication to putting clients first.
Spencer has nearly 15 years of investment experience across equities trading, fixed income and wealth management. He joined Morgan Stanley in 2017 and worked with successful individuals and families in the United States, Caribbean and Latin America. Previously, Spencer worked at Credit Suisse in fixed income and equities sales and trading. He has earned the designation of CERTFIED FINANCIAL PLANNER® to expand his knowledge of the planning process, and he graduated with a B.A. in international business from Champlain College.
After growing up in New Jersey, Spencer now lives in Miami with his family. He is an avid alpinist and the chair of the American Alpine Club’s Miami chapter. He is fluent Spanish.
Securities Agent: OK, FL, WY, TX, NV, NJ, MO, CO, VA, NC, SD, DE, CA, VT, CT, TN, PA, NY, NH, UT, DC, SC, AZ, VI, IN, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2602213
NMLS#: 2602213
Contact Richard Comeau
Contact Spencer Johnson
Wealth Management
From Our Team
Are you on the right path?
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
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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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
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The Miami Legacy 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 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 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.
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 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
