Sam Moshe, CFP®, CIMA®, CPM®
Financial Advisor, Managing Director, Wealth Management, Senior Portfolio Manager, International Client Advisor
Phone:
(305) 466-4792(305) 466-4792
The Moshe-Grodin Group at Morgan Stanley
Direct:
(305) 466-4792(305) 466-4792
Toll-Free:
(800) 327-2048(800) 327-2048
Our Mission Statement
We craft highly customized,
multigenerational wealth solutions for
a global clientele of exceptional families.
multigenerational wealth solutions for
a global clientele of exceptional families.
The Moshe-Grodin Group
At the Moshe-Grodin Group, we are a highly experienced wealth management team that serves a global clientele of successful business owners, executives and their families. Based in South Florida, we work with clients in Europe and Israel, across Latin America and here in the United States. No matter where they live or how they created their wealth, our goal is to help each of our clients protect and grow their assets, simplify their financial lives and pursue the goals they have set for themselves, their families, their businesses and communities.
Collectively, our team has over 65 years of experience and we have built close relationships with clients around the world. We are intimately familiar with the specialized needs of cross-border investors and are able to bring a global perspective to all our clients. Combining our experience with the vast resources and intellectual capital of Morgan Stanley, we can craft highly customized and fully comprehensive wealth management plans based on your specific needs and aspirations. We speak your language, understand your culture and are ready to serve as the close family advisor you can rely upon to help make important financial decisions.
We look forward to learning more about you and your family, and to discussion how we can help you reach your goals.
Collectively, our team has over 65 years of experience and we have built close relationships with clients around the world. We are intimately familiar with the specialized needs of cross-border investors and are able to bring a global perspective to all our clients. Combining our experience with the vast resources and intellectual capital of Morgan Stanley, we can craft highly customized and fully comprehensive wealth management plans based on your specific needs and aspirations. We speak your language, understand your culture and are ready to serve as the close family advisor you can rely upon to help make important financial decisions.
We look forward to learning more about you and your family, and to discussion how we can help you reach your goals.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
Employing a highly disciplined planning process, we seek to gain an in-depth understanding of your unique needs, goals, challenges and family dynamics. That understanding informs our efforts to create a fully customized, comprehensive wealth management plan, and to tailor every aspect of our relationship to suit your preferences.
Highly Personalized Care
Our process begins with a detailed conversation that identifies what is truly important to you. During this meeting, we’ll ask a series of questions to provide an in-depth understanding of your personal, professional and financial situation, while educating us about your long-term investment goals, time horizon and tolerance for risk.
Customizable Plan
From this ongoing dialogue, we’ll analyze your current situation and begin to develop comprehensive strategies to help achieve your goals. Basing the success of our investments as they relate to the ultimate achievement of their goals.
Implementing the Strategy
Once you review and approve your plan, we will begin to execute these strategies appropriately. As we work together, we will ensure that you are on track with your portfolio to achieve your financial goals.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure your strategy adapts to changing financial and family needs.
International Wealth Management
International Wealth Management is a specialized area within Morgan Stanley Wealth Management that is dedicated to serving individuals, families, family offices, entrepreneurs, corporate executives and corporate stock plan managers who live outside the United States. We also serve U.S. citizens living and working abroad as well as those who are relocating to the United States or otherwise changing domicile.
Our team is based in Aventura, Florida, and supported by a staff that understands the special requirements of international investors. We speak our clients’ languages, understand their cultures and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
Our team is based in Aventura, Florida, and supported by a staff that understands the special requirements of international investors. We speak our clients’ languages, understand their cultures and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We may be able to provide you access to:
• An open architecture platform that includes leading asset management firms, giving you access to unaffiliated third-party managers and their teams.
• Thematic investing ideas and asset allocation models from Morgan Stanley’s Global Investment Committee, guiding your overall portfolio allocation.
• Customized lending solutions from Morgan Stanley Private Bank, National Association, addressing your financing needs.
• Dedicated specialists in wealth transfer, philanthropy, family dynamics, concierge and lifestyle advisory services, and other family office capabilities, supporting any nonfinancial needs you may have.
• Thematic investing ideas and asset allocation models from Morgan Stanley’s Global Investment Committee, guiding your overall portfolio allocation.
• Customized lending solutions from Morgan Stanley Private Bank, National Association, addressing your financing needs.
• Dedicated specialists in wealth transfer, philanthropy, family dynamics, concierge and lifestyle advisory services, and other family office capabilities, supporting any nonfinancial needs you may have.
Keeping you Engaged
Our team is committed to providing you with important information about managing your wealth in today's fast pace environment. Register for our online platforms and take a look at our latest resources that focuses on insights in the markets.
Total Wealth View
Total Wealth View allows you and your advisor to view the complete financial picture of your investments to identify opportunities or risks across all your accounts. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Link Your Accounts
Family Office Resources
Family Office Resources (FOR) provides specialized technical expertise to ultra-high net worth advisors and clients across a broad range of family wealth management issues.
Learn More About Family Office Resources
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool used to quickly assess whether a client is “On Track” to achieving their financial goals.
Whatever it is you want to achieve; we are here to help. Working together, paired with our technology, is a great way to access advice and build a wealth plan. We can help you uncover your needs, manage risk, and build a customized plan to help you reach your financial goals.
Learn More About Goals Planning SystemWhatever it is you want to achieve; we are here to help. Working together, paired with our technology, is a great way to access advice and build a wealth plan. We can help you uncover your needs, manage risk, and build a customized plan to help you reach your financial goals.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. They are dedicated on keeping investors updated on the weekly happenings among the business and financial world.
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20807 Biscayne Blvd
5th & 6th Fl
Aventura, FL 33180
US
Direct:
(305) 466-4792(305) 466-4792
Toll-Free:
(800) 327-2048(800) 327-2048
Meet The Moshe-Grodin Group
Richard Grodin, CFA, CAIA
First Vice President, Financial Advisor
Phone:
(305) 937-7130(305) 937-7130
Javier Garcia
Wealth Management Associate
Phone:
(305) 937-6821(305) 937-6821
Jonathan Martins
Client Service Associate
Phone:
(305) 936-2738(305) 936-2738
About Sam Moshe
A founding partner of the Moshe-Grodin Group, Sam Moshe has more than 31 years of experience addressing the complex investing and wealth planning needs of globally minded families and individuals. Sam and his team currently serve a select group of approximately 70 affluent families in Europe, Latin America, the United States and Israel.
Maintaining close relationships with clients and analysts around the world, Sam brings an important perspective to the needs of the team’s clients. Working to gain an in-depth understanding of each family’s challenges, aspirations and core values, he develops holistic strategies designed to build, preserve and transition their wealth across generations.
Born in Israel, Sam moved to the United States to pursue his financial services career. He joined Merrill Lynch in 1993, where he spent 23 years before moving to Morgan Stanley and, two years later, established the Moshe-Grodin Group. Sam is fluent in English, Spanish, French and Hebrew, and is dedicated to continually expanding the depth and quality of advice he can offer his clients. Sam’s professional credentials include Certified Financial Planner®, Certified Investment Management Analyst® and Certified Portfolio Manager®.
Sam is actively involved with FIDF, a nonprofit organization that supports educational, social, cultural and recreational programs and facilities for Israel’s young men and women who serve in the military. He has served as president of their Palm Beach/Broward Region, and currently serves as a national board member, an impact board member in Israel and immediate past president of their Miami Chapter. Sam and his family reside in Aventura, FL.
Maintaining close relationships with clients and analysts around the world, Sam brings an important perspective to the needs of the team’s clients. Working to gain an in-depth understanding of each family’s challenges, aspirations and core values, he develops holistic strategies designed to build, preserve and transition their wealth across generations.
Born in Israel, Sam moved to the United States to pursue his financial services career. He joined Merrill Lynch in 1993, where he spent 23 years before moving to Morgan Stanley and, two years later, established the Moshe-Grodin Group. Sam is fluent in English, Spanish, French and Hebrew, and is dedicated to continually expanding the depth and quality of advice he can offer his clients. Sam’s professional credentials include Certified Financial Planner®, Certified Investment Management Analyst® and Certified Portfolio Manager®.
Sam is actively involved with FIDF, a nonprofit organization that supports educational, social, cultural and recreational programs and facilities for Israel’s young men and women who serve in the military. He has served as president of their Palm Beach/Broward Region, and currently serves as a national board member, an impact board member in Israel and immediate past president of their Miami Chapter. Sam and his family reside in Aventura, FL.
Securities Agent: MA, CT, OH, NV, IA, AZ, NC, CA, TX, OK, NM, MI, WY, WA, DE, NJ, ME, PA, GA, VT, PR, FL, UT, VA, SC, OR, NY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 521588
NMLS#: 521588
About Richard Grodin
A founding partner of the Moshe-Grodin Group, Rich Grodin brings more than 16 years of investing and wealth planning experience to the service of the team’s clients. Combining his deep knowledge of the financial markets with his commitment to operational excellence, Rich is responsible for shaping the Group’s strategic vision. He focuses on investment management and estate planning, and enjoys coaching clients on how to be successful investors. Rich is committed to delivering exceptional service as he educates and advises his clients in the areas of investment management, wealth transfer and risk management.
Rich understood the basics of financial planning at an early age. Growing up in a household where money was tight, he learned the importance of setting goals and saving effectively. Those practices enabled him to attend Brandeis University, where he graduated with a degree in economics. He joined one of the largest private banking teams at Merrill Lynch and continued his studies, earning his Chartered Financial Analyst® designation in 2009 and Chartered Alternative Investment Analyst® designation in 2010. Rich joined Morgan Stanley in 2017 and established the Moshe-Grodin Group a year later.
A firm believer in giving back, Rich is a member of the South Florida chapter of the CFA Institute and the Miami chapter of the CAIA institute. He coaches youth soccer and is involved with a local organization called Indian Princesses and Indian Guides, an activity sponsored by the YMCA. He currently lives in Parkland with his two children. His favorite leisure activities include fishing, traveling and spending time with family.
Rich understood the basics of financial planning at an early age. Growing up in a household where money was tight, he learned the importance of setting goals and saving effectively. Those practices enabled him to attend Brandeis University, where he graduated with a degree in economics. He joined one of the largest private banking teams at Merrill Lynch and continued his studies, earning his Chartered Financial Analyst® designation in 2009 and Chartered Alternative Investment Analyst® designation in 2010. Rich joined Morgan Stanley in 2017 and established the Moshe-Grodin Group a year later.
A firm believer in giving back, Rich is a member of the South Florida chapter of the CFA Institute and the Miami chapter of the CAIA institute. He coaches youth soccer and is involved with a local organization called Indian Princesses and Indian Guides, an activity sponsored by the YMCA. He currently lives in Parkland with his two children. His favorite leisure activities include fishing, traveling and spending time with family.
Securities Agent: CT, MA, SC, OK, ME, UT, WY, GA, TX, NY, MI, FL, DE, DC, CA, OH, PR, NJ, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1373354
NMLS#: 1373354
Contact Sam Moshe
Contact Richard Grodin
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
John Fanning
Senior Private Banker
Leticia Teixeira, CFP®, CEPA®
Senior Financial Planning Director, First Vice President
About John Fanning
John Fanning is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.
John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports team.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.
John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports team.
NMLS#: 803783
About Leticia Teixeira
Leticia Teixeira is a first vice president and senior financial planning director serving Morgan Stanley’s Wealth Management offices in Southeast Florida. She is responsible for helping Financial Advisors’ clients and prospects with their financial planning needs.
Leticia began her career in financial services in 2011 and joined Morgan Stanley in 2020. Prior to her current position, she worked at multiple financial services firms in Florida including RBC, Itaú and UBS.
Leticia graduated from Florida International University with a BA in Psychology and obtained an MBA in Organizational Management from Carlos Albizu University. She holds her CERTIFIED FINANCIAL PLANNER® and Certified Exit Planning Advisor® designations.
Outside of work, Leticia enjoys practicing her photography skills, family trips and volunteering at school activities. Leticia is originally from Sao Paulo, Brazil, and she is fluent in English and Portuguese, and conversational in Spanish. She currently lives in Broward, FL with her husband and two children.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Leticia began her career in financial services in 2011 and joined Morgan Stanley in 2020. Prior to her current position, she worked at multiple financial services firms in Florida including RBC, Itaú and UBS.
Leticia graduated from Florida International University with a BA in Psychology and obtained an MBA in Organizational Management from Carlos Albizu University. She holds her CERTIFIED FINANCIAL PLANNER® and Certified Exit Planning Advisor® designations.
Outside of work, Leticia enjoys practicing her photography skills, family trips and volunteering at school activities. Leticia is originally from Sao Paulo, Brazil, and she is fluent in English and Portuguese, and conversational in Spanish. She currently lives in Broward, FL with her husband and two children.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Ready to start a conversation? Contact The Moshe-Grodin Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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.
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.
3GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
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.
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.
3GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
