Jim Lacamp
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(817) 820-2267(817) 820-2267
The Money-Sense Team at Morgan Stanley
Direct:
(833) 620-0319(833) 620-0319
Our Mission Statement
You've worked hard building a career and creating a solid financial foundation for you and your family. We're a team of caring, experienced professionals dedicated to helping you achieve your long-term goals, so you may enjoy your wealth and leave the legacy you desire.
You Deserve
• A team that keeps your family the #1 priority.
• Advice that tailors your investments to your unique situation.
• Transparent, dependable communication.
• Advisors who make asset preservation a priority.
We believe managing wealth involves far more than managing a set of investments. It involves a deep awareness of who you are and the financial forces at work in your life. It means helping you organize and manage your wealth in a way that reflects your personal values and the realities of your life.
We are a closely-knit advisory team who understands the importance of family and the desire to leave an enduring legacy. Working together, we bring decades of wisdom and a seamless continuity in our values. Most importantly, we offer a generational approach to managing wealth that provides a balance of perspectives to help you – and your children – make informed financial decisions now and in the future. Whether you are in the stage of business planning, are planning to retire, saving for retirement, or are an entrepreneur in need of financing, we have helped guide our clients to their goals despite the markets.
• Advice that tailors your investments to your unique situation.
• Transparent, dependable communication.
• Advisors who make asset preservation a priority.
We believe managing wealth involves far more than managing a set of investments. It involves a deep awareness of who you are and the financial forces at work in your life. It means helping you organize and manage your wealth in a way that reflects your personal values and the realities of your life.
We are a closely-knit advisory team who understands the importance of family and the desire to leave an enduring legacy. Working together, we bring decades of wisdom and a seamless continuity in our values. Most importantly, we offer a generational approach to managing wealth that provides a balance of perspectives to help you – and your children – make informed financial decisions now and in the future. Whether you are in the stage of business planning, are planning to retire, saving for retirement, or are an entrepreneur in need of financing, we have helped guide our clients to their goals despite the markets.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Business Succession PlanningFootnote5
- Long Term Care InsuranceFootnote6
- AnnuitiesFootnote7
- Alternative InvestmentsFootnote8
- Sustainable InvestingFootnote9
- Cash Management and Lending ProductsFootnote10
- Qualified Retirement PlansFootnote11
- 401(k) Rollovers
- Trust AccountsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
We believe wealth management involves more than investments. Our process begins with you and your goals. In order for us to best serve you as a client, we find it necessary to start with an information gathering process. It’s important for us to have a clear picture of your financial health and your financial goals.
We carefully take that information and craft a financial plan specific to you. Our comprehensive financial plans cover a multitude of areas, i.e. Social Security benefits analyses, education planning, and the several services listed on the previous tab. Once complete, we create an investment strategy that complements your goals. Beyond that, we follow and monitor with a step-by-step approach to keep you on your desired path.
While no one can control the economy, markets, or interest rates, we can help you deal with sudden changes in today’s volatile environment. Our goal is to help you preserve, and grow your portfolio over time using sound investment principles with an investment strategy designed to help meet each of your specific needs.
It’s important to us that our clients have a clear understanding of their financial situation and the recommendations we make. Our goal is to be available to answer any questions you may have, no matter how simple or complex they may be.
We carefully take that information and craft a financial plan specific to you. Our comprehensive financial plans cover a multitude of areas, i.e. Social Security benefits analyses, education planning, and the several services listed on the previous tab. Once complete, we create an investment strategy that complements your goals. Beyond that, we follow and monitor with a step-by-step approach to keep you on your desired path.
While no one can control the economy, markets, or interest rates, we can help you deal with sudden changes in today’s volatile environment. Our goal is to help you preserve, and grow your portfolio over time using sound investment principles with an investment strategy designed to help meet each of your specific needs.
It’s important to us that our clients have a clear understanding of their financial situation and the recommendations we make. Our goal is to be available to answer any questions you may have, no matter how simple or complex they may be.
Your Mid-Year Financial Planning Checklist
Changes in the market or shifts in your personal circumstances may require adjustments to your financial plan. Here’s a mid-year checklist to help get you started.
Learn More
Steps that May Reduce Your Taxes on Your Income and Portfolio
A key strategy for boosting long-term investment returns is being smart about tax efficiency.
Learn MoreYour Family, Your Business, Your Legacy
We are beyond excited that many of our long term clients have become multigenerational relationships. We look forward to helping our clients and their families through the big life changes, whether it be planning for retirement, engaging more in ESG or charitable investing, investing in a retirement fund or engaging in business planning.
From the simple situations to the more complex, we have access to several resources that will help you and your family stay organized. We understand that each client has a unique situation; which enables us to use our many years of experience to help you find the resources for them.
We are committed to tailoring the right strategy and solution for you. We use our many years of experience to help you navigate life’s difficult situations; such as divorce, long term care, or loss of a loved one.
As well as individuals and families, we offer resources to businesses and business owners. We have experience with lawyers and their own practices, doctors, small business owners, and retirement plans for corporations.
We are confident that we can help you find solutions in today’s fast-paced world. We work together with the people you trust, such as your CPA or estate attorney, to ensure we make the best recommendations for you.
From the simple situations to the more complex, we have access to several resources that will help you and your family stay organized. We understand that each client has a unique situation; which enables us to use our many years of experience to help you find the resources for them.
We are committed to tailoring the right strategy and solution for you. We use our many years of experience to help you navigate life’s difficult situations; such as divorce, long term care, or loss of a loved one.
As well as individuals and families, we offer resources to businesses and business owners. We have experience with lawyers and their own practices, doctors, small business owners, and retirement plans for corporations.
We are confident that we can help you find solutions in today’s fast-paced world. We work together with the people you trust, such as your CPA or estate attorney, to ensure we make the best recommendations for you.
Estate Planning Essentials: 7 Key Steps
Creating an estate plan can help protect your wealth and prevent hardship for your heirs.
Estate Planning Essentials: 7 Key Steps
How to Break the Ice Around Family Finances
Money is one of the trickiest topics to discuss. But avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.
How to Break the Ice Around Family Finances
Financial Strategies for Growing Your Small Business
As a new business owner, you are faced with critical questions that will have an impact of the success of your company. Questions about day-to-day cash flow, attracting and retaining employees, and balancing finances are important areas to consider.
Exiting Your Business
Creating and growing a successful business is seldom about money, nor is the decision to exit your business. The decisions are often an unexpected combination of personal and financial.
Location
201 Main Street
Suite 1500
Fort Worth, TX 76102
US
Direct:
(833) 620-0319(833) 620-0319
Meet The Money-Sense Team
Pat Reddell
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(817) 820-2268(817) 820-2268
Ashley Lacamp Moore, CFP®, CPWA®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(817) 820-2269(817) 820-2269
Kristi Traylor, CRPS®
Financial Advisor, Workplace Advisor - Equity Compensation, Director of Business Strategy, Private Wealth Management, Financial Planning Specialist
Phone:
(817) 820-2270(817) 820-2270
Daisy Cournan, CRPC®
Portfolio Associate
Phone:
(817) 820-2272(817) 820-2272
Monica Ortiz
Portfolio Associate
Phone:
(817) 820-2271(817) 820-2271
About Jim Lacamp
Jim Lacamp is a Senior Vice President and Senior Portfolio Manager with The Money-Sense Team at Morgan Stanley. He has been in the investment management business since 1985 and is a graduate of Baylor University with a double degree in economics and finance.
You may have seen Jim as a frequent guest on CNBC, Fox News, or Fox Business. With a combined 64 years of experience, Jim and his partner Pat, are highly engaged in the financial markets. They bring a holistic approach to meeting their clients' needs; everything from financial planning to estate planning strategies and portfolio management.
Jim is active in the Fort Worth Community. He serves on the Board of the Presbyterian Night Shelter, Cristo Rey, The Fort Worth Club, Advisory Board of Texas Wesleyan University and Chairman of the Investment Committee for the Fort Worth Employee Retirement Fund. Jim plays in a band, Hard Core Troubadours. . Jim is married to his wife, Maggie and is a devoted father to his two daughters, Ashley and Hannah.
You may have seen Jim as a frequent guest on CNBC, Fox News, or Fox Business. With a combined 64 years of experience, Jim and his partner Pat, are highly engaged in the financial markets. They bring a holistic approach to meeting their clients' needs; everything from financial planning to estate planning strategies and portfolio management.
Jim is active in the Fort Worth Community. He serves on the Board of the Presbyterian Night Shelter, Cristo Rey, The Fort Worth Club, Advisory Board of Texas Wesleyan University and Chairman of the Investment Committee for the Fort Worth Employee Retirement Fund. Jim plays in a band, Hard Core Troubadours. . Jim is married to his wife, Maggie and is a devoted father to his two daughters, Ashley and Hannah.
Securities Agent: SC, MD, HI, AL, VA, NY, NV, MO, AR, VT, DE, WA, TX, GA, CO, PA, NC, MN, KY, WY, OR, OH, NM, MI, KS, CA, TN, OK, FL, WV, AZ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1930344
NMLS#: 1930344
About Pat Reddell
Pat Reddell began his career in the money management industry in 1983 and formed a partnership with Jim Lacamp in 1987. Their team provides high net worth individuals, families, family offices and businesses a complete array of financial services. Pat graduated from the University of Arkansas with a B.S. Degree in Finance and an MBA.
Pat has been a frequent guest on America's News Radio Network and has provided commentary on television stations NBC, CBS and FOX in the Dallas Fort Worth Metroplex. He has also provided the Fort Worth Star Telegram and Dallas Morning News with market commentary.
Pat currently serves on the board of the Botanical Research Institute of Texas and the American Heart Association. He has been married to his wife Cindy for 33 years and they have two children and four grandchildren.
Pat has been a frequent guest on America's News Radio Network and has provided commentary on television stations NBC, CBS and FOX in the Dallas Fort Worth Metroplex. He has also provided the Fort Worth Star Telegram and Dallas Morning News with market commentary.
Pat currently serves on the board of the Botanical Research Institute of Texas and the American Heart Association. He has been married to his wife Cindy for 33 years and they have two children and four grandchildren.
Securities Agent: WV, WA, WY, VT, OK, MN, FL, DE, CO, AR, VA, OR, MD, CA, AL, TN, NY, KY, GA, AZ, TX, PA, OH, NM, HI, NC, SC, NV, MO, MI, KS; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1949122
NMLS#: 1949122
About Ashley Lacamp Moore
Ashley grew up in Fort Worth, Texas. Before her career in financial services, she travelled as a fashion model. While travelling, she started taking online classes from the University of North Texas and eventually moved back to become a full time student. She graduated with a bachelor’s in Economics with a minor in Financial Services and started working at Morgan Stanley two months later. Ashley joined the Money-Sense Team at Morgan Stanley in 2019. She has earned her Series 7, Series 66, and life insurance licenses as well as the CFP® designation.
Ashley focuses on building trusted relationships with clients by helping them imagine and identify their long term goals. She then takes those goals and creates a financial plan to provide a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
While not in the office, you can find Ashley riding horses or shooting sporting clays. She is also a part of Leadership Fort Worth, which has inspired her to serve on the boards of local nonprofit organizations including the Fort Worth Opera, Project 4031, and El Tesoro Foundation.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Ashley focuses on building trusted relationships with clients by helping them imagine and identify their long term goals. She then takes those goals and creates a financial plan to provide a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
While not in the office, you can find Ashley riding horses or shooting sporting clays. She is also a part of Leadership Fort Worth, which has inspired her to serve on the boards of local nonprofit organizations including the Fort Worth Opera, Project 4031, and El Tesoro Foundation.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Securities Agent: MN, VT, OK, NM, PA, NV, DE, WA, TN, OH, NC, TX, SC, HI, NY, MD, KY, VA, OR, GA, AL, WY, WV, MI, CA, AZ, MO, KS, FL, CO, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1949126
NMLS#: 1949126
About Kristi Traylor
Kristi is from Fort Worth, Texas and began her career in the financial services industry in 1978. She received her Series 7 license in 1983 and began working with Jim and Pat in 1999. She helps develop proposals and asset allocation models to implement personalized investment strategies.
Kristi studied accounting at TCU. Her first job was in finance and she knew it was something she wanted to do for the rest of her life.
Kristi lives in Granbury with her husband, Glend. She and her husband enjoy bowling and spending time in the town square with friends. Their daughter, Courtney, coaches volleyball in Oklahoma.
Kristi studied accounting at TCU. Her first job was in finance and she knew it was something she wanted to do for the rest of her life.
Kristi lives in Granbury with her husband, Glend. She and her husband enjoy bowling and spending time in the town square with friends. Their daughter, Courtney, coaches volleyball in Oklahoma.
About Daisy Cournan
Daisy began her career in the financial industry in 2010 after receiving an M.B.A from Niagara University in New York. She is fully registered with Series 7 and Series 66 and obtained the Chartered Retirement Planning Counselor (CRPC) designation in 2017. Daisy joined the team in September 2017 bringing her commitment to integrity and serving clients with excellence. Currently, she manages day-to-day operations, account administration, and marketing for the team. Daisy's favorite part of her job is that is a place where she can enjoy the excitement about the financial markets while providing real value and building trust with clients.
Daisy is from Ho Chi Minh City, Vietnam and currently resides in Fort Worth with her husband Kevin and her daughter Isabella. She loves to cook and enjoys running, gym classes, hiking, home decorating and trying out different cuisines.
Daisy is from Ho Chi Minh City, Vietnam and currently resides in Fort Worth with her husband Kevin and her daughter Isabella. She loves to cook and enjoys running, gym classes, hiking, home decorating and trying out different cuisines.
About Monica Ortiz
Monica initiated her career in the financial industry in 2004. She studied Business Administration and is registered with Series 7 and 63/65. Monica joined the team in December 2021. With her strong financial background she is focused in providing exceptional client service. Her main commitment overall is towards account administration, daily operations while building strong relationship with clients. Monica gets her excitement from building trusted relationship with clients and knowing they are in the right path towards their financial goals.
Monica lives and surrounds herself with her wonderful husband Juan, two boys Xavier, Gabriel and her three dogs Toby, Milo and Layla. She enjoys hiking, zip lining, traveling, baking together with her boys and taking daily walks with her dogs.
Monica lives and surrounds herself with her wonderful husband Juan, two boys Xavier, Gabriel and her three dogs Toby, Milo and Layla. She enjoys hiking, zip lining, traveling, baking together with her boys and taking daily walks with her dogs.
Contact Jim Lacamp
Contact Pat Reddell
Contact Ashley Lacamp Moore
Contact Kristi Traylor
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
Elizabeth Chand
Family Office Resources Generalist
About Elizabeth Chand
Elizabeth Chand leads the Family Office Resource Generalist team and also covers the Central Region. As a FOR Generalist Elizabeth provides specialized expertise to Financial Advisors and their UHNW clients, educating and advising across a broad spectrum of family wealth management concerns, including family legacy and governance, customized wealth education for the next generation, lifestyle advisory and concierge services, strategic estate and financial planning, and philanthropy management.
Most recently, Elizabeth worked with New York Life in their Advanced Planning Group. She worked with agents and their UHNW clients to advise them on issues of estate and legacy planning as well as business succession planning. Prior to New York Life she ran a boutique estate planning law firm in Southern California working with high net worth families and businesses. Her practice focused exclusively on trusts and estates, probate, trust administration and tax. She has over 15 years of experience as an attorney representing individuals and business clients in connection with the development and implementation of sophisticated estate planning strategies and techniques.
Elizabeth holds a Bachelor of Arts and Master of Science degrees from the University of Pennsylvania and her J.D. degree from Chapman University School of Law where she graduated Cum Laude. Elizabeth also holds her Series 7, 66 and 24 securities licenses. Elizabeth lives in the Dallas, TX area with her husband, four daughters and dog Zoe.
Most recently, Elizabeth worked with New York Life in their Advanced Planning Group. She worked with agents and their UHNW clients to advise them on issues of estate and legacy planning as well as business succession planning. Prior to New York Life she ran a boutique estate planning law firm in Southern California working with high net worth families and businesses. Her practice focused exclusively on trusts and estates, probate, trust administration and tax. She has over 15 years of experience as an attorney representing individuals and business clients in connection with the development and implementation of sophisticated estate planning strategies and techniques.
Elizabeth holds a Bachelor of Arts and Master of Science degrees from the University of Pennsylvania and her J.D. degree from Chapman University School of Law where she graduated Cum Laude. Elizabeth also holds her Series 7, 66 and 24 securities licenses. Elizabeth lives in the Dallas, TX area with her husband, four daughters and dog Zoe.
Wealth Management
From Our Team
Overcoming Your 5 Biggest Retirement Challenges
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Article Image
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Money-Sense 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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Alternative 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.
9The 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.
10Morgan 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
11When 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.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Alternative 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.
9The 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.
10Morgan 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
11When 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.
12Morgan 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.
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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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
