Senior Vice President, Financial Advisor, Portfolio Management Director, Family Wealth Director
Phone:
(212) 492-6752(212) 492-6752
The Modern Impact Group at Morgan Stanley
Our Mission Statement
To earn the trust of our clients and their families through sound advice and honest conversation
Our Story and Services
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
We are proud to have been named to the Forbes Best-In-State Wealth Management Teams of 2023, 2024, 2025.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
We are proud to have been named to the Forbes Best-In-State Wealth Management Teams of 2023, 2024, 2025.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Services Include
- Wealth PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Executive Financial ServicesFootnote4
- Asset Management
- Alternative InvestmentsFootnote5
- Cash Management and Lending ProductsFootnote6
- Life InsuranceFootnote7
- Philanthropic ManagementFootnote8
- Endowments and FoundationsFootnote9
- Planning for Individuals with Special Needs and their Families
- Divorce Financial AnalysisFootnote10
- Sustainable InvestingFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
• High-Net-Worth Individuals and Families
• Corporate Executives
• Physicians
• Attorneys
• Business Owners
• Professionals
• Foundations and Endowments
• Trusts and Estates
• Retirement Plans
• Professional Athletes
• Professional Actors and Actresses
• Producers, Directors, and Writers
• Morgan Stanley Employees
• Corporate Executives
• Physicians
• Attorneys
• Business Owners
• Professionals
• Foundations and Endowments
• Trusts and Estates
• Retirement Plans
• Professional Athletes
• Professional Actors and Actresses
• Producers, Directors, and Writers
• Morgan Stanley Employees
Our 6 Step Process
Leveraging our vast resources - including intellectual capital, experience, and dedicated personal service - we can work with you to create a personalized wealth strategy. Then, over time, we can adapt it to changing circumstances, helping you pursue your goals.
1. Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
2. Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
3. Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
4. Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
5. Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and savings/benefit modifications.
6. Monitoring & Performance Tracking
Finally, we will constantly be monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusting accordingly. We will keep a high degree of communication with you to make sure your requests and any concerns are always addressed.
Research and Insights
We want to provide you with the most recent, timely, and important information so you can feel informed and educated throughout any market environment. We will be periodically updating these links in order to keep the most important information top of mind.
What Should I Do With My Money
Listen to our newest podcasts where Morgan Stanley Financial Advisors answer real questions, from real people, about the most important aspects of client lives. We aim to give insight to the most common questions among our clients.
Listen Here
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research Report
Improve Financial Literacy at Any Age
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Learn More
Tips for Tax Day
The countdown to Tax Day has begun. Here are some strategies to consider as the deadline approaches.
Learn MorePlanning for you family's financial needs & goals
Through each stage of your financial life, we can help assist you in managing the complexity of it all.
Family Governance
It's crucial to have a solid framework for decision-making or a family governance structure, especially in the case of an ultra-high net worth family involved in a common operation, such as managing a family business, running a family office, or simply investing together as a family.
Tax Management Services
There are many tax-smart strategies for your financial plan. We'll help you make the tax decisions today that can help you save for years to come.
Trust & Estate Planning Strategies
Along the way, we will be by your side. We will examine your tax and estate planning strategies to help ensure that your asset allocation analysis appropriately reflects your tax and estate planning's tax features.
Philanthropic Planning
Your list of charitable goals is as unique as your idea of what a better world looks like. However, choosing your goals might be difficult when there are so many deserving causes and unmet needs. We can help guide you through this process. Let's talk about how.
Intergenerational Wealth Planning
Our familial team dynamic enables us to carry a various number of focuses. We understand family wealth, and we are experienced for every stage of life. Obstacles are a part of life, and we can help you create a financial plan with those setbacks in mind.
Wealth Education
No matter their age, adult children should be involved in the discussion about family finances. Although it's not always simple, having the conversation is an important first step in long-term wealth planning.
Location
55 East 52nd Street 10th
Floor 11
New York, NY 10055
US
Direct:
(212) 492-6752(212) 492-6752
Fax:
(646) 588-0458(646) 588-0458
Meet The Modern Impact Group
First Vice President, Financial Advisor, Financial Planning Specialist, Senior Portfolio Manager
Phone:
(212) 492-6368(212) 492-6368
Valeria Vaz
Vice President, Wealth Management Associate
Phone:
(212) 401-0598(212) 401-0598
Chris Papadopoulos
Client Service Associate, Financial Planning Specialist*
Phone:
(212) 492-6319(212) 492-6319
About Alexander R Suero
Alexander Suero is a leading Financial Advisor with over 18 years of experience in Morgan Stanley’s flagship wealth management office. Recognized as a 2019 Forbes Next-Gen Best-in-State Advisor (New York), his in-depth discovery process serves as the foundation for creating customized strategies that help meet his clients' long term goals and short term needs. As a co-head of The Modern Impact Group, Alexander advises a diverse group of affluent individuals and families, endowments, non-profit organizations, trusts and foundations.
Alexander is a CERTIFIED FINANCIAL PLANNER® and a Certified Investment Management Analyst. With these advanced designations, he is able to provide a first-class client experience focused on personalized investment strategies and comprehensive planning services. Alexander graduated from Pennsylvania State University’s Smeal College of Business and currently resides with his wife and two children in Glen Rock, NJ. He is a member of the Professional Advisors Committee of The Optometric Center of New York (OCNY) and active within his local community.
"Forbes Top Next-Gen Best-in-State Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19."
Alexander is a CERTIFIED FINANCIAL PLANNER® and a Certified Investment Management Analyst. With these advanced designations, he is able to provide a first-class client experience focused on personalized investment strategies and comprehensive planning services. Alexander graduated from Pennsylvania State University’s Smeal College of Business and currently resides with his wife and two children in Glen Rock, NJ. He is a member of the Professional Advisors Committee of The Optometric Center of New York (OCNY) and active within his local community.
"Forbes Top Next-Gen Best-in-State Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19."
Securities Agent: ME, CO, VA, IN, FL, WI, NV, RI, PA, NY, NJ, MD, MA, CA, AZ, AL, PR, CT, UT, SC, NM, GA, KY, DC, WY, WA, NC, MT, IL, DE, TX, VT, TN, OR, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278983
NMLS#: 1278983
About Daniel Ritter
Daniel Ritter is a Vice President, Financial Advisor, Financial Planning Specialist, and Senior Portfolio Manager at Morgan Stanley. After joining Morgan Stanley in 2008 in the midst of the financial crisis, he immediately recognized the importance of taking a holistic approach in reviewing his clients’ financial lives and earned the designation of CERTIFIED FINANCIAL PLANNER®. Daniel worked with one of the largest teams at Morgan Stanley for 8 years before leaving to co-head The Modern Impact Group.
Daniel’s main focus is to create, implement, and review comprehensive financial plans for his clients. He has been named to Morgan Stanley’s Pacesetter’s Club every year from 2017-2022, a global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service. Daniel graduated Magna Cum Laude from Tulane University with a double-major in Finance and Economics and currently lives in Manhattan with his wife and son. He is a self-taught guitar player and keeps active in the community as a regular volunteer at a food pantry in Chelsea.
Daniel’s main focus is to create, implement, and review comprehensive financial plans for his clients. He has been named to Morgan Stanley’s Pacesetter’s Club every year from 2017-2022, a global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service. Daniel graduated Magna Cum Laude from Tulane University with a double-major in Finance and Economics and currently lives in Manhattan with his wife and son. He is a self-taught guitar player and keeps active in the community as a regular volunteer at a food pantry in Chelsea.
Securities Agent: KY, MT, TN, NY, ME, WA, RI, OR, MA, IL, CO, AL, WI, VT, SC, NJ, DE, MD, CT, NV, NM, GA, FL, CA, WY, NC, DC, VA, TX, IN, OH, UT, PR, PA, NH, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1504800
NMLS#: 1504800
About Valeria Vaz
Valeria moved from Rio de Janeiro, Brazil to New York 35 years ago. Prior to her move, she received a degree in Portuguese-Literature at Faculdade Notre Dame. In the US, she received an Associate Degree in Liberal Arts. Valeria started her wealth management career at UBS International in 2007 and earned her securities licenses. She later moved to RBC Wealth Management in 2009 and then to Morgan Stanley in 2015.
At Morgan Stanley, Valeria earned the prestigious title of Assistant Vice President. Her previous work includes commercial banking at UNIBANCO-Uniao de Bancos Brasileiros in Brazil and Private Banking at IDB Bank in New York. Valeria lives in Astoria, Queens with her husband, Luiz Vaz. They have a son named Lucas. In the winter, she enjoys seeing operas at the Metropolitan Opera House and various dance performances around the city. In the summer, she spends weekends at the beach with her family. Her hobbies include yoga, reading, and arts and crafts.
At Morgan Stanley, Valeria earned the prestigious title of Assistant Vice President. Her previous work includes commercial banking at UNIBANCO-Uniao de Bancos Brasileiros in Brazil and Private Banking at IDB Bank in New York. Valeria lives in Astoria, Queens with her husband, Luiz Vaz. They have a son named Lucas. In the winter, she enjoys seeing operas at the Metropolitan Opera House and various dance performances around the city. In the summer, she spends weekends at the beach with her family. Her hobbies include yoga, reading, and arts and crafts.
About Chris Papadopoulos
Christopher Papadopoulos is a Client Service Associate for the Modern Impact Group at Morgan Stanley. Chris grew up in Manhasset, New York and is a graduate of Boston College, in which he majored in Political Science and minored in Finance. He is passionate about using his expertise to help others live a happier life, which drew him into a career of helping clients meet their goals. Chris is committed to creating the best client experience as well as forming a genuine connection with the clients. He gets great satisfaction from seeing clients achieve their goals through the plan that the team helps them create.
Outside of work, Chris enjoys spending time with family and friends. He is a big sports fan, as his favorite teams are the NY Islanders, NY Knicks, and NY Yankees. Some of Chris’s hobbies include going to the gym and playing golf. He has one sister and a French bulldog named Tito. He also loves to travel and visit new places from around the world.
*This role cannot solicit or provide investment advice
Outside of work, Chris enjoys spending time with family and friends. He is a big sports fan, as his favorite teams are the NY Islanders, NY Knicks, and NY Yankees. Some of Chris’s hobbies include going to the gym and playing golf. He has one sister and a French bulldog named Tito. He also loves to travel and visit new places from around the world.
*This role cannot solicit or provide investment advice
Contact Alexander R Suero
Contact Daniel Ritter
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Jane Tarnovsky
Private Banker
Kyle Witte, CFP®
Financial Planning Director, Vice President
About Jane Tarnovsky
Jane Tarnovsky is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jane began her career in financial services in 2004, and joined Morgan Stanley in 2014 as an Interest Rate Derivatives Trade Support Director in Morgan Stanley’s ISG division. Prior to joining the firm, she was in Operations at JVB Financial and an Associate Manager at Prudential Financial.
Jane is a graduate of Rutgers University, where she received a Bachelor of Science in Finance and a Master of Business Administration in Finance. She lives in Brooklyn, New York with her family. Outside of the office, Jane is involved in her community and enjoys working out, cooking, traveling, gardening, and photography.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jane began her career in financial services in 2004, and joined Morgan Stanley in 2014 as an Interest Rate Derivatives Trade Support Director in Morgan Stanley’s ISG division. Prior to joining the firm, she was in Operations at JVB Financial and an Associate Manager at Prudential Financial.
Jane is a graduate of Rutgers University, where she received a Bachelor of Science in Finance and a Master of Business Administration in Finance. She lives in Brooklyn, New York with her family. Outside of the office, Jane is involved in her community and enjoys working out, cooking, traveling, gardening, and photography.
NMLS#: 2226056
About Kyle Witte
Kyle Witte, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Midtown Manhattan. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Kyle began his career in financial services with Morgan Stanley in 2012. Prior to his current position, he worked with the financial planning product development team.
Kyle graduated from Florida State University and holds his Certified Financial Planner® designation. He lives on the West Side of Manhattan and appreciates all the perks of a walkable city. Outside of work, he enjoys traveling with friends, reading, football, soccer, and fundraising for a community golf tournament held annually in Florida.
Kyle began his career in financial services with Morgan Stanley in 2012. Prior to his current position, he worked with the financial planning product development team.
Kyle graduated from Florida State University and holds his Certified Financial Planner® designation. He lives on the West Side of Manhattan and appreciates all the perks of a walkable city. Outside of work, he enjoys traveling with friends, reading, football, soccer, and fundraising for a community golf tournament held annually in Florida.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
The Robots are Coming
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Modern Impact 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.
2When 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
5Alternative 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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
9Morgan 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 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.
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
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.
2When 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
5Alternative 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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
9Morgan 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 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
