Managing Director, Wealth Management, Financial Advisor, Alternative Investments Director, Family Wealth Director
Phone:
(770) 698-2157(770) 698-2157
Our Mission Statement
Our team works with a select number of high-net-worth clients, so we can strive to serve as your family’s CFO, to provide clarity around your financial future.
Named to Forbes' Best-In-State Wealth Management Teams in GA for 2024
Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Named to Forbes' Best-In-State Wealth Management Teams in GA for 2024
Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Our Story and Services
MODERN
The investing landscape is defined by constant change that is perpetuated by new technologies, different investment solutions, and alterations to regulations and tax laws. As this change accelerates, it is increasingly difficult for wealthy families to navigate the world of finance. Our team has decades of experience studying and capitalizing on dynamic opportunities which continues to keep our clients ahead of the curve.
To have success investing in today’s day and age, it is critical to take this modern approach. We understand the importance of looking beyond your current portfolio and instead developing a custom-tailored financial plan that accounts for the entire scope of your financial picture.
Being a part of Morgan Stanley, our team provides unique access to modern investment solutions, including market leading deal flow in alternative investments. Headed by our two Alternative Investment Directors, Jonathan Byrd and Grey Duddleston, we are able to strategically use alternative investments to further customize clients’ portfolios which assists clients reaching their stated goals.
MOSAIC
Effective wealth management is built by compiling all of the various financial puzzle pieces into a Mosaic that achieves a family’s multi-generational objectives. With over 80 years of combined experience, our team has developed a unique process of bringing all of these pieces into one Mosaic that is clearer and more efficient.
The goals that we set forth are not meant to be achieved through a cookie-cutter strategy. Instead, our team combines resources from inside Morgan Stanley and outside to develop truly custom financial plans and solutions to clients we serve. By studying various channels of resources, our clients are set up with customized financial plans and investment portfolios that are constantly monitored and adjusted.
Our mission is to use our holistic approach and apply this to each our clients’ unique situations. Every family maintains different beliefs, serves different causes, and comes from different backgrounds. That is why we commit to a boutique level of service and tailor our plans to each client.
The investing landscape is defined by constant change that is perpetuated by new technologies, different investment solutions, and alterations to regulations and tax laws. As this change accelerates, it is increasingly difficult for wealthy families to navigate the world of finance. Our team has decades of experience studying and capitalizing on dynamic opportunities which continues to keep our clients ahead of the curve.
To have success investing in today’s day and age, it is critical to take this modern approach. We understand the importance of looking beyond your current portfolio and instead developing a custom-tailored financial plan that accounts for the entire scope of your financial picture.
Being a part of Morgan Stanley, our team provides unique access to modern investment solutions, including market leading deal flow in alternative investments. Headed by our two Alternative Investment Directors, Jonathan Byrd and Grey Duddleston, we are able to strategically use alternative investments to further customize clients’ portfolios which assists clients reaching their stated goals.
MOSAIC
Effective wealth management is built by compiling all of the various financial puzzle pieces into a Mosaic that achieves a family’s multi-generational objectives. With over 80 years of combined experience, our team has developed a unique process of bringing all of these pieces into one Mosaic that is clearer and more efficient.
The goals that we set forth are not meant to be achieved through a cookie-cutter strategy. Instead, our team combines resources from inside Morgan Stanley and outside to develop truly custom financial plans and solutions to clients we serve. By studying various channels of resources, our clients are set up with customized financial plans and investment portfolios that are constantly monitored and adjusted.
Our mission is to use our holistic approach and apply this to each our clients’ unique situations. Every family maintains different beliefs, serves different causes, and comes from different backgrounds. That is why we commit to a boutique level of service and tailor our plans to each client.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What We Do
We generate success and preserve wealth by sticking to our process. It ensures that all our clients are understood and all benefit from our team's proprietary system of financial planning.
Listening
At The Modern Mosaic Group, we value our relationships. We take the time to get to know you and your family on a personal level. By understanding your current situation, goals, and future plans, we can then design a financial plan suitable to your needs.
Planning
After taking in all the necessary information, we create a financial plan that considers all your financial assets. We manage much more than your investments, as we strive to be your family’s CFO. Our plans are specific and measurable. We are not in the business of complicating things, so we provide the transparency needed for you to measure your plan’s progress.
Implementation
After hearing your valued feedback, we begin the process of selecting investment vehicles that align with your goals. Because we have the capacity to offer a boutique level of service, we utilize tactical-oriented investments to help enhance your risk adjusted returns.
Ongoing Adjustment
Life is unpredictable, and as complications arise and situations change, we adjust accordingly. We construct our plans to be flexible for this reason. The standard of care we provide in our relationships helps us identify new avenues for financial success.
Collaboration
We work hand-in-hand with our clients’ trusted tax, legal and estate planning advisors to help ensure that your long-term goals are attained.
Our Clients
Our clients are high-net-worth and ultra-high-net-worth families seeking to preserve the wealth they have earned. Many of our clients are multi-generational families who seek to wisely pass on their wealth with our advice. We also manage capital for religious and non-profit organizations. Of all our relationships, our clients typically fall under the following profiles:
Client Profiles
- Current or retired business owners who have or will have liquidity events
- Corporate executives with potential concentrated stock positions
- Physicians and Attorneys with complex compensation structures
- Individuals who have inherited wealth through multi-generational transfers and need assistance with cash-flow planning and sometimes general budgeting
- Religious and non-profit organizations planning for future growth and expansion
- Individual trustees and co-trustees who seek to delegate their investment management responsibilities
Our clients often need advice around the following questions:
- How will I effectively leave a legacy for my children and grandchildren?
- How have other clients you manage most efficiently planned a business for a future sale?
- Am I taking on too much risk in my portfolio?
- How can invest in a more tax-efficient manner?
- How do I ensure a secure and stress-free financial retirement in the midst of volatile markets?
- How can I maximize the benefit of my company’s equity compensation plans?
- How should I think about gifting some portion of my current estate to family members and charities?
- How can I best meet my retirement goals?
- I just received an inheritance; how does this effect my future?
What makes us different
Boutique Service
We focus on serving high-net-worth families. By keeping our number of clients limited, we can offer an exceptional quality of service across multiple generations.
Transparency
We are committed to providing financial clarity to our clients and their families so that they understand how their investments work. Our team is fully transparent about what you pay for our services along with how we are compensated.
Investment Strategy
With our planning process, we are able to incorporate the entire scope of your financial picture. We also utilize tactical-oriented investments to help further tailor our strategy to your needs.
Relationships
We take pride in our relationships and look to support the families we work with for generations. For those reasons, we are more than just investment managers, we are a family CFO.
Services
Along with overall financial planning, we assist families with some of their administrative needs such as bill payments, tax escrow/planning, and cash management. Our industry leading Morgan Stanley Mobile App can also perform mobile check deposits.
Community Involvement
Our team members are active members of their community. They are leaders in various religious and philanthropic organizations and believe that the ability to give back is a true measure of success.
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative InvestmentsModern Investment Solutions
For the right type of investor, alternatives can diversify a portfolio and serve as an inflation hedge, as well as provide potential income. Broadly speaking, “alternative investments” refers to asset classes that can deliver differentiated sources of return relative to traditional stock and bond investments. While they can seem complicated or out of reach, many strategies are now more individual investor-friendly. Learn more about different types of alternative investments below.
Why Alternative Investments
Alternatives are the investments that go beyond traditional stocks and bonds. They can open doors to help grow and protect your wealth, and have long sought to offer enhanced returns, portfolio diversification, lower volatility, as well as potential tax efficiency.
Read the brochure
Alternative Investments Video
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Private Equity
Discover Private Equity
Private Real Estate
Discover Private Real Estate
Exchange Funds
Discover Exchange Funds
Single Manager Hedge Funds
Discover Single Manager Hedge Funds
Private Credit
Discover Private Credit
Structured Investments
Discover Structured InvestmentsLocation
5 Concourse Pkwy
Ste 2000
Atlanta, GA 30328
US
Direct:
(770) 698-2157(770) 698-2157
Meet The Modern Mosaic Group
Senior Vice President, Financial Advisor, Alternative Investments Director, Senior Portfolio Manager
Phone:
(770) 698-2159(770) 698-2159
Michael Laura, CFA, CFP®, CIMA®, ChFC®, CPWA®, RMA®
Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(770) 698-1604(770) 698-1604
Jon Brinson, CFP, CTFA
Vice President, Business Development Director
Phone:
(770) 698-2145(770) 698-2145
Ethan Drinkwater
Registered Client Service Associate
Phone:
(770) 698-1612(770) 698-1612
Tomas Kim
Registered Client Service Associate
Phone:
(770) 698-2154(770) 698-2154
About Jonathan Byrd
Jonathan has over 16 years of experience in High and Ultra High Net Worth Wealth Management. As the team leader, his primary responsibilities are to act as the clients' strategic decision consultant, cash flow and financial planning lead. Jonathan received his BBA and MBA focusing on financial planning/wealth management from Campbell University. Jonathan became a CERTIFIED FINANCIAL PLANNER™ (CFP®) in 2006 and enjoyed leveraging his client experience to assist them in becoming “retirement optional.” He and his wife Katie have two children and reside in Brookhaven. They are active members of the Buckhead Church. Jonathan is a former member and president of the Brookhaven Rotary Club as well as former member of Children’s Healthcare of Atlanta Legacy Advisor Leadership Committee. As for hobbies, Jonathan enjoys wine, reading and playing golf.
Securities Agent: AZ, NV, AR, WA, MA, AL, WY, PA, OK, ID, GA, CO, CA, WI, SD, MT, MO, NM, MS, MI, ME, UT, OR, LA, CT, VA, SC, OH, IL, DC, TX, NY, NC, MD, KY, NJ, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1891519
CA Insurance License #: 0H37546
AR Insurance License #: 10509894
NMLS#: 1891519
CA Insurance License #: 0H37546
AR Insurance License #: 10509894
About Grey Duddleston
Grey has over 35 years of investment experience focusing primarily on portfolio management. His primary responsibilities include portfolio management and maintenance, risk manager and tactical reallocation manager for our clients' portfolios. He received his BBA in Finance from Millsaps College. Grey and his wife, Elisha, reside in Roswell and have three grown children. He enjoys water sports, boating and traveling. Grey is an active member of Perimeter Church, former leader with the Boy Scouts of America and a regular blood donor with the American Red Cross. He previously served as Chairman of the Board and Chairman of the Finance Committee of Perimeter Christian School.
Securities Agent: FL, VA, NY, ME, KY, IL, SD, NV, NJ, AZ, PA, OK, ID, WY, WI, WA, MS, MI, TX, NM, NC, DC, CT, CO, OH, MT, MA, CA, AR, MD, AL, SC, UT, OR, MO, LA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1908684
AR Insurance License #: 10583083
NMLS#: 1908684
AR Insurance License #: 10583083
About Michael Laura
For 30 years, Michael has provided financial advice to high-net-worth individuals and families nationwide. He joined The Modern Mosaic Group from Merrill Lynch in 2023 as an integral member of the team managing relationships and portfolios to help clients achieve their financial priorities. In 2024, the team was named to Forbes' list of Best-in-State Wealth Management Teams.
Michael is uniquely positioned in the top 1% of Morgan Stanley's ~16,000 advisors nationally in terms of professional designations. These prestigious designations—acquired through a rigorous, multi-step testing process—allow him to provide relevant advice that empowers clients to make wiser financial decisions. These globally-recognized credentials include:
• CERTIFIED FINANCIAL PLANNER™ in 2001
• Chartered Financial Consultant® in 2002
• Chartered Financial Analyst® in 2006
• Certified Investment Management Analyst® in 2011
• Certified Private Wealth Advisor® in 2017
• Retirement Management Analyst® in 2023
Michael obtained both a Bachelor’s degree in Finance from the University of South Florida and a Master's degree in Finance from The College for Financial Planning. He also earned the Applied Behavioral Finance Certificate which was taught by professors at Duke, MIT and Yale.
Originally from Michigan, Michael lives in Atlanta with his wife Valerie and two children – Gia and Roman. Outside of work, he actively attends Buckhead Church, travels, and supports both of his children’s sports interests. He is also a member of the following organizations:
• CFP® Board of Standards
• Atlanta Estate Planning Council
• Atlanta CFA® Society
• Investment and Wealth Institute™
Michael serves on the Board of Directors for Cumberland Academy of Georgia – a fully accredited private school specializing in the needs of children with learning disabilities (i.e., Asperger Syndrome and high functioning autism).
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Michael is uniquely positioned in the top 1% of Morgan Stanley's ~16,000 advisors nationally in terms of professional designations. These prestigious designations—acquired through a rigorous, multi-step testing process—allow him to provide relevant advice that empowers clients to make wiser financial decisions. These globally-recognized credentials include:
• CERTIFIED FINANCIAL PLANNER™ in 2001
• Chartered Financial Consultant® in 2002
• Chartered Financial Analyst® in 2006
• Certified Investment Management Analyst® in 2011
• Certified Private Wealth Advisor® in 2017
• Retirement Management Analyst® in 2023
Michael obtained both a Bachelor’s degree in Finance from the University of South Florida and a Master's degree in Finance from The College for Financial Planning. He also earned the Applied Behavioral Finance Certificate which was taught by professors at Duke, MIT and Yale.
Originally from Michigan, Michael lives in Atlanta with his wife Valerie and two children – Gia and Roman. Outside of work, he actively attends Buckhead Church, travels, and supports both of his children’s sports interests. He is also a member of the following organizations:
• CFP® Board of Standards
• Atlanta Estate Planning Council
• Atlanta CFA® Society
• Investment and Wealth Institute™
Michael serves on the Board of Directors for Cumberland Academy of Georgia – a fully accredited private school specializing in the needs of children with learning disabilities (i.e., Asperger Syndrome and high functioning autism).
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Securities Agent: OK, OH, NV, MT, WA, OR, NM, CO, AZ, UT, TX, MA, DC, CA, SC, NJ, NC, MO, GA, WY, VA, NY, ME, MD, LA, KY, IL, CT, AR, FL, WI, PA, MS, MI, ID, AL, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1730146
NMLS#: 1730146
About Jon Brinson
Jon has over 18 years experience in the wealth management business. His primary responsibilities include financial planning, client service and administration, asset movement coordinator and trust services. Jon earned a BBA focused on Financial Planning/Trust Management and his MBA from the Lundy-Fetterman School of Business at Campbell University. Jon is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and Certified Trust and Financial Advisor (CTFA). He and his wife, Erica, have two childrenand reside in Roswell. Jon enjoys coaching baseball, playing tennis and driving high performance cars.
About Ethan Drinkwater
Ethan started his career at Morgan Stanley in June of 2022 as a Virtual Engagement Associate. During his two years as a VEA, he helped dozens of Financial Advisors and Teams strengthen their client relationships, grow their business, and leverage technology to modernize their practices.
In the October of 2024, he moved from New York City to Atlanta to join the Modern Mosaic Group as a Registered Client Service Associate. In this role, he is responsible for the operational and administrative needs of our clients.
Ethan earned his bachelor’s degree from the University of Miami and currently lives in Atlanta’s Old Fourth Ward neighborhood with his girlfriend. He is originally from Massachusetts and is a devoted Boston sports fan. In his free time, he enjoys playing pickup basketball, traveling, and spending time outdoors.
In the October of 2024, he moved from New York City to Atlanta to join the Modern Mosaic Group as a Registered Client Service Associate. In this role, he is responsible for the operational and administrative needs of our clients.
Ethan earned his bachelor’s degree from the University of Miami and currently lives in Atlanta’s Old Fourth Ward neighborhood with his girlfriend. He is originally from Massachusetts and is a devoted Boston sports fan. In his free time, he enjoys playing pickup basketball, traveling, and spending time outdoors.
About Tomas Kim
Tomas spent 11 years in wealth management at Wells Fargo Advisors and Morgan Stanley Wealth Management, where he worked as a Registered Client Associate, Business Development Associate, and Financial Advisor Associate. In these roles, he was responsible for managing client relationships, overseeing operational and administrative functions, conducting investment due diligence, and executing trades. Originally from Brazil, Tomas spent over a decade working in New York City before moving to Atlanta in 2022. He now lives in Johns Creek, GA with his wife and daughter. He earned his BA in Economics from the University of Michigan. Fluent in Korean and Portuguese, he enjoys playing soccer, tennis, and pickleball in his free time and actively serves at his church.
Contact Jonathan Byrd
Contact Grey Duddleston
Contact Michael Laura
Hear from Our Clients
Grey Duddleston and Jonathan Byrd with Modern Mosaic Group have been our financial advisors for almost 20 years and we are second generation clients. Their response to our service requests, their communication with us and personal meetings has been professional and timely. Their integrity and personal caring for us is genuine and above reproach.
Frank and Gay
Verified ClientOctober 30, 2024
My wife and I have been clients of Jonathan Byrd and Grey Duddleston for over 25 years, having enjoyed not only a professional relationship with them but a personal one as well. Their care for our family goes beyond the graphs and charts of money management as they have guided us through some turbulent financial waters and helped us create a solid plan for our family's future. We really appreciate the responsiveness and attention to detail from the whole team.
David
Verified ClientNovember 10, 2024
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
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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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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.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Modern Mosaic 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.
1When 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.
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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
7Morgan 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.
8Morgan 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
1When 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.
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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
7Morgan 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.
8Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
