Eddie Murray
Senior Vice President, Financial Advisor, Investment Management Consultant
Phone:
(805) 347-4530(805) 347-4530
The Murray Group at Morgan Stanley
Direct:
(805) 928-4311(805) 928-4311
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- AnnuitiesFootnote1
- Business PlanningFootnote2
- Business Succession PlanningFootnote3
- Endowments and FoundationsFootnote4
- Long Term Care InsuranceFootnote5
- Municipal BondsFootnote6
- Philanthropic Services
- Qualified Retirement PlansFootnote7
- Retirement PlanningFootnote8
- Trust AccountsFootnote9
- Wealth ManagementFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process: Focused on You
ESTABLISH GOALS AND OBJECTIVES
Discuss what is important for you, your family, and your legacy.
Identify circumstances unique to your personal situation.
Provide an overview of important investment concepts and our investment philosophy as it pertains to your objectives.
Identify circumstances unique to your personal situation.
Provide an overview of important investment concepts and our investment philosophy as it pertains to your objectives.
ASSESS YOUR FINANCES
Gather important data, documents and financial statements.
Review your personal, and if applicable, business balance sheet.
Analyze your current asset allocation strategy and provide feedback.
Discuss our draft(s) of your financial plan, leveraging proprietary Morgan Stanley data and insights.
Review your personal, and if applicable, business balance sheet.
Analyze your current asset allocation strategy and provide feedback.
Discuss our draft(s) of your financial plan, leveraging proprietary Morgan Stanley data and insights.
DEVELOP STRATEGY
Incorporate lending, tax, estate planning, and insurance strategies where applicable.
Present our recommendations along with key action steps.
Coordinate strategies with your other advisors, including attorneys, accountants, bookkeepers, and insurance professionals.
Present our recommendations along with key action steps.
Coordinate strategies with your other advisors, including attorneys, accountants, bookkeepers, and insurance professionals.
IMPLEMENT
Position investment accounts to align them with your goals and objectives.
Provide ongoing updates to ensure your plan is implemented as expected.
Provide ongoing updates to ensure your plan is implemented as expected.
ONGOING SERVICE AND REVIEWS
Schedule regular calls and meetings to discuss progress towards your goals and review portfolio performance and results.
Make adjustments to strategy based on changing goals, circumstances, and market conditions and investment performance.
Make adjustments to strategy based on changing goals, circumstances, and market conditions and investment performance.
Morgan Stanley's Digital Offerings
We believe that digital technology plays a crucial role in how our clients communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Modern Wealth Toolkit
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Learn More About MSO- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Portfolio Risk Platform – Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn How We Mitigate Risk For Clients
Goals Planning System
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Contact the Murray Group at Morgan Stanley to start the conversation.
Learn More About GPSContact the Murray Group at Morgan Stanley to start the conversation.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital VaultThe Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
Data Security
At Morgan Stanley, our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Learn More About Our Online Security Measures- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Explore Exclusive Perks & Insights Available to Our Clients
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program. As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Please feel free to contact the Murray Group at Morgan Stanley to learn more about how you can enroll for the Reserved Living & Giving program.
Please feel free to contact the Murray Group at Morgan Stanley to learn more about how you can enroll for the Reserved Living & Giving program.
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
Browse The Latest Reserved Offers
Reserved Insights
Curated insights and articles spanning such topics as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
Browse the Latest Reserved Insights
Signature Access
Signature Access, the highest tier of Morgan Stanley’s complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cyber-security Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
Signature Access Login
The Global Investment Committee
The Global Investment Committee is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients. They continually monitor developing economic and market conditions, review tactical outlooks and recommend asset allocation weightings, as well as produce a suite of strategy, research, analysis, commentary, and other reports and broadcasts.
Meet the Global Investment Committee
Justin Rose and Morgan Stanley a Winning Team
Every golfer could always use a little more consistency. In this video Justin Rose shares a few of his own tricks on how to stay consistent.
Learn How To Be More Consistent
Morgan Stanley
Uncover the history of Morgan Stanley. Learn about the people and events that have shaped the company over the last 85 years.
Tax Tables 2023 Edition
We hope that you will find this information of use when considering 2023 year end tax strategies.
Location
2005 So. Broadway
Santa Maria, CA 93454
US
Direct:
(805) 928-4311(805) 928-4311
Meet The Murray Group
Jennifer Murray, CFP®
Senior Vice President, Financial Advisor, Family Wealth Director
Phone:
(805) 347-4545(805) 347-4545
Aimee Harrell
Registered Associate
Phone:
(805) 347-4541(805) 347-4541
About Eddie Murray
Eddie Murray is a Financial Advisor with The Murray Group at Morgan Stanley. Since 2002, he has handled the investment portfolios of business owners and ultra-high net worth individuals throughout the U.S. Eddie focuses on fixed income and dividend paying investments, building strategic portfolios of preferred stocks and municipal bonds for clients looking to produce dividends.
Eddie grew up in Santa Maria, California and graduated from California State University – Fresno with a B.S. degree in Industrial Technology. Eddie joined Morgan Stanley in 2002 and subsequently completed the rigorous requirements to become certified by the Wharton School for Advanced Training in Investment Consulting.
Today, Eddie and his wife, Jennifer, run a successful financial planning and management business for their Murray Group clients. As the fixed income professional, Eddie’s primary goal is first to protect client assets against market uncertainties then to produce steady returns. His fixed income strategies are designed to weather difficult market conditions yet provide high levels of cash flow.
Outside of work Eddie has coached his son’s baseball teams, along with coaching the St. Joseph High School boy's golf teams, has been involved with the local Boys and Girls Club and St. Joseph Scholarship Advisory Committee, and is a past Chairman of the Santa Maria Chamber of Commerce. A former golf pro for celebrity clients at the prestigious GlenEagles Country Club near Dallas, Texas, Eddie also spent many years on the board of The First Tee of Central Coast, a non-profit whose mission is to improve the lives of young people by emphasizing educational and character development through the game of golf.
Eddie grew up in Santa Maria, California and graduated from California State University – Fresno with a B.S. degree in Industrial Technology. Eddie joined Morgan Stanley in 2002 and subsequently completed the rigorous requirements to become certified by the Wharton School for Advanced Training in Investment Consulting.
Today, Eddie and his wife, Jennifer, run a successful financial planning and management business for their Murray Group clients. As the fixed income professional, Eddie’s primary goal is first to protect client assets against market uncertainties then to produce steady returns. His fixed income strategies are designed to weather difficult market conditions yet provide high levels of cash flow.
Outside of work Eddie has coached his son’s baseball teams, along with coaching the St. Joseph High School boy's golf teams, has been involved with the local Boys and Girls Club and St. Joseph Scholarship Advisory Committee, and is a past Chairman of the Santa Maria Chamber of Commerce. A former golf pro for celebrity clients at the prestigious GlenEagles Country Club near Dallas, Texas, Eddie also spent many years on the board of The First Tee of Central Coast, a non-profit whose mission is to improve the lives of young people by emphasizing educational and character development through the game of golf.
Securities Agent: SC, MD, KY, CO, TX, CT, WA, AK, NC, MT, GA, FL, NV, MO, MS, IL, WY, OK, OH, VA, OR, NY, NM, ID, CA, UT, HI, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
CA Insurance License #: 0D97431
CA Insurance License #: 0D97431
About Jennifer Murray
Jennifer Murray is a CERTIFIED FINANCIAL PLANNER™ (CFP®), Family Wealth Director and Financial Advisor with The Murray Group at Morgan Stanley.
As a CFP®, Jennifer approaches every financial conversation with a client from a comprehensive point of view. She develops personalized investment strategies for The Murray Group’s clients that are designed to balance risk versus reward, while taking into account a clear understanding of her clients’ risk tolerance comfort levels, goals, and investment timeframe.
A Texas native, Jennifer headed west to attend California State University – Fresno, graduating with a B.S. degree in Business Administration with a specialization in accounting. She and her husband, Eddie, returned to Dallas after graduation where Jennifer pursued her career in public accounting and financial management as a CPA with Arthur Andersen and Price Waterhouse. For almost a decade, she worked as a financial consultant to some of the world’s largest software companies.
In 2002, when Eddie’s father offered to mentor Jennifer and Eddie as Financial Advisors, they jumped at the opportunity to return to California, to join a flourishing financial advisory business and to raise their children in a family-friendly environment. Jennifer joined Morgan Stanley in 2002 and completed the rigorous requirements to attain the CFP® designation from the College of Financial Planning in 2006. In September 2022, Jennifer joined a select group of fewer than 4% of Morgan Stanley Financial Advisors who have completed the Family Wealth Director program. This program provided specialized training and enables her to offer direct access to advanced resources needed to help affluent families address the complex, multigenerational challenges of managing significant wealth.
Today, Jennifer and Eddie run a successful financial planning and management business for their Murray Group clients. In addition to raising their two children, Jennifer is very involved with the Santa Barbara Foundation, serving on committees and as a Board Trustee for the past nine years. She is also a member of the North County Advisory Committee of the Scholarship Foundation of Santa Barbara. Jennifer was named in the Working Mother's Magazine, "Top Wealth Advisor Moms" list for 2018 and 2019.
"2018, 2019 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2018, 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given."
As a CFP®, Jennifer approaches every financial conversation with a client from a comprehensive point of view. She develops personalized investment strategies for The Murray Group’s clients that are designed to balance risk versus reward, while taking into account a clear understanding of her clients’ risk tolerance comfort levels, goals, and investment timeframe.
A Texas native, Jennifer headed west to attend California State University – Fresno, graduating with a B.S. degree in Business Administration with a specialization in accounting. She and her husband, Eddie, returned to Dallas after graduation where Jennifer pursued her career in public accounting and financial management as a CPA with Arthur Andersen and Price Waterhouse. For almost a decade, she worked as a financial consultant to some of the world’s largest software companies.
In 2002, when Eddie’s father offered to mentor Jennifer and Eddie as Financial Advisors, they jumped at the opportunity to return to California, to join a flourishing financial advisory business and to raise their children in a family-friendly environment. Jennifer joined Morgan Stanley in 2002 and completed the rigorous requirements to attain the CFP® designation from the College of Financial Planning in 2006. In September 2022, Jennifer joined a select group of fewer than 4% of Morgan Stanley Financial Advisors who have completed the Family Wealth Director program. This program provided specialized training and enables her to offer direct access to advanced resources needed to help affluent families address the complex, multigenerational challenges of managing significant wealth.
Today, Jennifer and Eddie run a successful financial planning and management business for their Murray Group clients. In addition to raising their two children, Jennifer is very involved with the Santa Barbara Foundation, serving on committees and as a Board Trustee for the past nine years. She is also a member of the North County Advisory Committee of the Scholarship Foundation of Santa Barbara. Jennifer was named in the Working Mother's Magazine, "Top Wealth Advisor Moms" list for 2018 and 2019.
"2018, 2019 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2018, 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given."
Securities Agent: MN, WA, UT, ME, FL, CA, OR, MT, MD, KS, HI, CO, AZ, OH, KY, VA, TX, NY, NC, GA, ID, AK, TN, OK, NV, MO, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1368456
CA Insurance License #: 0D97432
NMLS#: 1368456
CA Insurance License #: 0D97432
About Aimee Harrell
Aimee is a Registered Associate for the Murray Group at Morgan Stanley. She is in charge of operations for their group and assists clients with executing transactions. Aimee provides first class client service and is often the initial point of contact for many client requests.
After spending 5 years in the banking industry, Aimee made the transition to Wealth Management by partnering with her Financial Advisor in the bank branches she covered. While in banking, she also served as a Teller, Operations Supervisor, and Licensed Banker.
Aimee grew up on the Central Coast and graduated from Arroyo Grande High School. She earned a bachelor of science degree in Business Management from Bethany College. She enjoys playing tennis and was privileged to compete for Arroyo Grande High, Hancock College and Bethany College. When not in the office, Aimee enjoys hiking, spin classes, exploring photography and spending time with her French Bulldog, Pepper.
After spending 5 years in the banking industry, Aimee made the transition to Wealth Management by partnering with her Financial Advisor in the bank branches she covered. While in banking, she also served as a Teller, Operations Supervisor, and Licensed Banker.
Aimee grew up on the Central Coast and graduated from Arroyo Grande High School. She earned a bachelor of science degree in Business Management from Bethany College. She enjoys playing tennis and was privileged to compete for Arroyo Grande High, Hancock College and Bethany College. When not in the office, Aimee enjoys hiking, spin classes, exploring photography and spending time with her French Bulldog, Pepper.
Contact Eddie Murray
Contact Jennifer Murray
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
Londyn Crowder-Maree
Private Banker
About Londyn Crowder-Maree
Londyn Crowder-Maree is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Londyn began her career in financial services in 2008, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, she was a Regional Bank Private Banker at Wells Fargo Bank, N.A. She also served as a Wealth Management Banker and an Internal Sales Specialist at Merrill Lynch.
Londyn is a graduate of Rutgers University, where she received Bachelor of Arts in Economics and a Masters of Business Administration from Florida Atlantic University in Boca Raton, FL. She lives in Valencia, CA with her daughter Jonah. Outside of the office, Londyn enjoys fashion, music as well as dedicating time to her church and philanthropic outreach programs.
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.
Londyn began her career in financial services in 2008, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, she was a Regional Bank Private Banker at Wells Fargo Bank, N.A. She also served as a Wealth Management Banker and an Internal Sales Specialist at Merrill Lynch.
Londyn is a graduate of Rutgers University, where she received Bachelor of Arts in Economics and a Masters of Business Administration from Florida Atlantic University in Boca Raton, FL. She lives in Valencia, CA with her daughter Jonah. Outside of the office, Londyn enjoys fashion, music as well as dedicating time to her church and philanthropic outreach programs.
NMLS#: 800266
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
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
Ready to start a conversation? Contact The Murray Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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 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.
8When 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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 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.
8When 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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Awards Disclosures
CRC 6491812 (04/2024)
