Phone:
(704) 442-3406(704) 442-3406
The Moise Horn Team at Morgan Stanley
Direct:
(704) 442-3404(704) 442-3404
Our Mission Statement
We instill confidence in our clients by providing personalized, trusted financial advice that prioritizes their unique goals and aspirations. We are committed to building lifelong relationships based on integrity, transparency, and kindness, while delivering thoughtful, long-term financial strategies that grow and protect their wealth. Our success is rooted in our clients' success, and we dedicate ourselves to guiding them every step of the way toward a secure and abundant future.
Our Story and Services
With 50 years of combined industry experience, the Moise Horn Team work with families and individuals to create custom investment and comprehensive financial plans. Our team, Davis Moise, Financial Advisor, Ben Horn, Financial Advisor, and Drew Kurtz, Wealth Management Associate, joined the industry directly out of college and have all followed our passion for assisting a select group of clients meet their financial goals. We realize that the families we serve have earned their wealth through many years of hard work, commitment and passion, and we strive to embody those same attributes in everything we do for our clients.
Both Davis and Ben are Portfolio Management Directors and focus on individual portfolio construction using individual stocks, ETF’s, mutual funds, municipal bonds, and fixed income securities. Ben and Drew have both achieved the Certified Financial Planner™ designation and focus on comprehensive financial planning to help clients meet their financial goals.
Ben Horn grew up in Ohio, where his Father was a golf pro. Ben had the opportunity to spend a lot of time with businessmen at the country club where his father worked. He has always liked statistics and helping people and after spending a day with one of the members (who was a financial advisor) when he was 12, he knew this was his calling.
Davis is originally from Sumter, South Carolina and earned his Bachelors in Finance (1991) and MBA in Financial Services (1993) from the University of South Carolina. His father started as a financial advisor in 1958 and ran a successful practice until 2019. He grew up around the business and has always been a student of the financial markets.
Drew grew up in Charlotte, North Carolina, with parents both in financial services. Drew has always been passionate about helping others, and during a college internship with a financial advisor, she found a way to combine her passion with her interest in financial markets.
Both Davis and Ben are Portfolio Management Directors and focus on individual portfolio construction using individual stocks, ETF’s, mutual funds, municipal bonds, and fixed income securities. Ben and Drew have both achieved the Certified Financial Planner™ designation and focus on comprehensive financial planning to help clients meet their financial goals.
Ben Horn grew up in Ohio, where his Father was a golf pro. Ben had the opportunity to spend a lot of time with businessmen at the country club where his father worked. He has always liked statistics and helping people and after spending a day with one of the members (who was a financial advisor) when he was 12, he knew this was his calling.
Davis is originally from Sumter, South Carolina and earned his Bachelors in Finance (1991) and MBA in Financial Services (1993) from the University of South Carolina. His father started as a financial advisor in 1958 and ran a successful practice until 2019. He grew up around the business and has always been a student of the financial markets.
Drew grew up in Charlotte, North Carolina, with parents both in financial services. Drew has always been passionate about helping others, and during a college internship with a financial advisor, she found a way to combine her passion with her interest in financial markets.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Tax Management
- Log into your account via Morgan Stanley Online
- Click the Accounts tab
- Select the Documents tab
- Go to the Statement drop-down tab
- Select Tax Documents and download them
Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Tax-Efficient Investing: Key Questions Investors Should Ask
Factoring the impact of taxes into your investment decisions can help you to keep more of your hard-earned money, both now and in the future.
Tax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
How to Access Your Tax Forms
5 Tax-Smart Steps to Help Build Wealth
Learn how proactive planning now could help you minimize taxes and maxamize your long-term wealth.
Client Resources & Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning and secure data access.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Equity Compensation & Concentrated Stock
Managing concentrated stock and equity compensation can be overwhelming, but you don't have to navigate it alone. Our team is here to help you understand your options, from stock plans to liquidity strategies, so you can make confident financial decisions.
Whether you need to diversify, access liquidity, or optimize for taxes, we provide personalized guidance to align your stock ownership with your long-term goals. Let us help you take control of your financial future.
Stock Options
Stock options provide the opportunity to buy company shares at a set price, and we're here to help you understand how they fit into your financial plan.
Equity Compensation 101
When you own company equity, you become a shareholder in your company. Equity programs vary widely, so it's important to understand the details and how it fits into your financial plan.
Restricted Stock
Restricted stock grants you company shares that vest over time, and we're here to help you navigate their value, tax implications, and long-term benefits.
Exchange Funds
Exchange funds allow you to diversify concentrated stock holdings in a tax-deferred way while maintaining proportional ownership in a managed portfolio.
Employee Stock Purchase Plans (ESPP)
Employee Stock Purchase Plans let you buy company shares at a discount, and we're here to help you make the most of this benefit in your financial planning.
Portfolio Lines
To meet more urgent cash flow requirements for real estate purchases, tuition payments, or tax payments, you can borrow against the stock in a portfolio line for liquidity needs without triggering sales of concentrated stock. No credit check or underwriting is necessary and opening or maintaining the portfolio line is free. When necessary, you can borrow money against your portfolio, pay interest at a variable rate, and then repay the loan without incurring any fees.
Location
6805 Carnegie Blvd
Ste 400
Charlotte, NC 28211
US
Direct:
(704) 442-3404(704) 442-3404
Meet The Moise Horn Team
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(704) 442-3418(704) 442-3418
Drew Kurtz, CFP®
Vice President, Wealth Management Associate
Phone:
(704) 442-3404(704) 442-3404
Julianne Sundstrom
Portfolio Associate
Phone:
(704) 442-3444(704) 442-3444
About Davis Moise
Davis has 25 years of experience as a financial advisor. Throughout this time, he has focused on meeting the financial needs of individuals, families, and business owners. Davis focuses on portfolio management and financial planning. Within portfolio management, he focuses on individual portfolio construction using individual stocks, ETF’s, mutual funds, municipal bonds, and fixed income securities.
Davis has worked as an advisor at Morgan Stanley for the past 30 years and is a Portfolio Management Director. Throughout this time, he has focused on meeting the financial needs of individuals, families, and business owners. Davis focuses on portfolio management and financial planning. Within portfolio management, he focuses on individual portfolio construction using individual stocks, ETF’s, mutual funds, municipal bonds, and fixed income securities. Davis is originally from Sumter, South Carolina and earned his Bachelors in Finance (1991) and MBA in Financial Services (1993) from the University of South Carolina. His father started as a financial advisor in 1958 and ran a successful practice in Dallas, TX for over 50 year today until his passing. He grew up around the business and has always been a student of the financial markets. As your financial advisor, he will work with you and your family to prepare a comprehensive financial plan to meet your goals. Davis and his team will provide you with top-notch service to ensure you and your family are fully prepared to face unpredictable life events and stay on course to achieve your retirement goals.
Davis has worked as an advisor at Morgan Stanley for the past 30 years and is a Portfolio Management Director. Throughout this time, he has focused on meeting the financial needs of individuals, families, and business owners. Davis focuses on portfolio management and financial planning. Within portfolio management, he focuses on individual portfolio construction using individual stocks, ETF’s, mutual funds, municipal bonds, and fixed income securities. Davis is originally from Sumter, South Carolina and earned his Bachelors in Finance (1991) and MBA in Financial Services (1993) from the University of South Carolina. His father started as a financial advisor in 1958 and ran a successful practice in Dallas, TX for over 50 year today until his passing. He grew up around the business and has always been a student of the financial markets. As your financial advisor, he will work with you and your family to prepare a comprehensive financial plan to meet your goals. Davis and his team will provide you with top-notch service to ensure you and your family are fully prepared to face unpredictable life events and stay on course to achieve your retirement goals.
Securities Agent: CA, TX, NY, NE, MS, IN, GA, CO, WI, NC, MO, MI, OK, OH, LA, HI, AL, FL, SC, NJ, IL, CT, MN, TN, PA, OR, MD, KS, MT, KY, AZ, VA, DC, AR, WV, MA, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1587179
NMLS#: 1587179
About Ben Horn
For the past 23 years, I have worked at Morgan Stanley, one of the preeminent financial services firms in the country. I proudly serve as the primary Financial Advisor for a select group of families in the Carolinas and throughout the country.
As your Financial Advisor, we will work together to create and manage a customized goals-based, comprehensive financial game plan utilizing the resources of Morgan Stanley. I take great pride in helping my clients navigate the uncertain investing climate and unpredictable life events, to stay on course and achieve their goals through patience, discipline and stewardship.
I realize that the families I serve have earned their wealth through many years of hard work, commitment, passion and love. And I strive to embody those same attributes in everything I do for my clients.
Growing up in Ohio, my Father was a golf pro and I had the opportunity to spend a lot of time with businessmen at the country club where he worked. I always like statistics and helping people and after spending a day with one of the members (who was a financial advisor) when I was 12, I knew this was my calling.
My wife, Sherry, and I reside in Charlotte, North Carolina with our 2 children, Benjamin (11) & Dayvinny, (7) and our beloved Siberian Husky dog, Scarlett. I enjoy and love my community, through mentorship, serving as a youth sports coach, playing amateur golf tournaments and supporting a large number of causes that are close to the heart of my clients and friends. I also am a member of Kingdom Advisors which is an advocacy group that helps advisors integrate their Christian faith to provide biblical wise financial advice to the clients we serve.
Morgan Stanley has no affiliation with Kingdom Advisors and the CKA® designation is not overseen or endorsed by the Firm. Morgan Stanley does not discriminate on the basis of any protected status and welcomes clients and provides investment advisory services without regard to religious affiliation. For more information about the designation, please see: https://kingdomadvisors.com/association/designation/overview.
As your Financial Advisor, we will work together to create and manage a customized goals-based, comprehensive financial game plan utilizing the resources of Morgan Stanley. I take great pride in helping my clients navigate the uncertain investing climate and unpredictable life events, to stay on course and achieve their goals through patience, discipline and stewardship.
I realize that the families I serve have earned their wealth through many years of hard work, commitment, passion and love. And I strive to embody those same attributes in everything I do for my clients.
Growing up in Ohio, my Father was a golf pro and I had the opportunity to spend a lot of time with businessmen at the country club where he worked. I always like statistics and helping people and after spending a day with one of the members (who was a financial advisor) when I was 12, I knew this was my calling.
My wife, Sherry, and I reside in Charlotte, North Carolina with our 2 children, Benjamin (11) & Dayvinny, (7) and our beloved Siberian Husky dog, Scarlett. I enjoy and love my community, through mentorship, serving as a youth sports coach, playing amateur golf tournaments and supporting a large number of causes that are close to the heart of my clients and friends. I also am a member of Kingdom Advisors which is an advocacy group that helps advisors integrate their Christian faith to provide biblical wise financial advice to the clients we serve.
Morgan Stanley has no affiliation with Kingdom Advisors and the CKA® designation is not overseen or endorsed by the Firm. Morgan Stanley does not discriminate on the basis of any protected status and welcomes clients and provides investment advisory services without regard to religious affiliation. For more information about the designation, please see: https://kingdomadvisors.com/association/designation/overview.
Securities Agent: LA, MT, CT, MN, OR, NC, MO, MI, AZ, VA, KY, TN, OK, NY, IL, CO, SC, OH, MS, HI, GA, NJ, AR, PA, MD, IN, DC, CA, AL, WI, NE, ME, MA, KS, FL, WV, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290409
NMLS#: 1290409
About Drew Kurtz
Drew has been with Morgan Stanley since 2018 and is a Certified Financial Planner ™. She is a life-long resident of Charlotte, North Carolina, with a family history in finance. Her father was the chief economist at Nations bank (now Bank of America), and her mother started a financial advisory firm focusing on valuations, mergers, and acquisitions for community banks in the south east. She graduated from Sewanee: The University of the South in 2015. She is an avid distance runner, and enjoys hiking and camping with her husband Tom, daughter Madeleine, son Thomas, and rescue dog Duke. Drew has always been passionate about helping others, and during a college internship with a financial advisor, she found a way to combine her passion with her interest in financial markets.
CA Insurance License #: 4097327
About Julianne Sundstrom
Julianne joined our team in January of 2023. She was born and raised in Duluth, MN. She joined Morgan Stanley in 2008 and was a registered Associate for 5 years. She then became a Financial Advisor on a team for the next 5 years of her career. She truly enjoyed this role but felt lead to move to Charlotte with her children. She has a strong understanding of both the advisor role and administration role. She enjoys developing relationships with her clients and doing whatever she can to help make things easier for them. In her free time, she loves hiking, kayaking, walking her dog, spending time with her grandson and children and attending her church each Sunday.
Contact Davis Moise
Contact Ben Horn
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Moise Horn Team 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.
2Morgan 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
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
2Morgan 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
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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)
