Mark J. Cordeiro, CFP®
Senior Vice President, Wealth Management, Wealth Advisor, Global Sports and Entertainment Director
Phone:
(707) 254-4420(707) 254-4420
The Napa Reserve Group at Morgan Stanley
Direct:
(707) 254-4429(707) 254-4429
Toll-Free:
(800) 829-0194(800) 829-0194
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Our Story and Services
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- Asset Management
- Estate Planning StrategiesFootnote2
- Exchange Traded FundsFootnote3
- Financial PlanningFootnote4
- Lending Products
- Retirement PlanningFootnote5
- Sustainable InvestingFootnote6
- Wealth ManagementFootnote7
- AnnuitiesFootnote8
- Professional Portfolio ManagementFootnote9
- Long Term Care InsuranceFootnote10
- Life InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our approach to wealth planning focuses on what is most meaningful to you. The hallmark of our financial planning process is an unwavering commitment to building a customized plan from the ground up. Our goals-based approach involves products and strategies that are designed to reach specific financial targets and personal life goals.
Step 1: Understanding Your Personal and Financial Circumstances
Step 2: Identifying and Selecting Goals
Step 3: Analyzing Your Current Course of Action and Potential Alternative Course(s) of Action
Step 4: Developing Your Financial Plan
Step 5: Presenting Your Financial Plan
Step 6: Implementing Your Financial Plan
Step 7: Monitoring Progress and Updating Your Plan
Are We The Right Fit For You?
Musicians and Entertainers
Our clients in the Entertainment and Music industry enjoy working with Mark Cordeiro, Vice president, Financial Advisor. These current clients have won Grammy, AMA, Billboard Music and MTV Music Awards. Mark works closely with business managers, tax and other legal professionals to accommodate and service the complexities of these individuals so they can focus on their careers and families.
Unique Financial Challenges Creatives Face
Female Investors
Our female clients enjoy working with Marisa Goldstein, Financial Advisor and Financial Planning Specialist. She works with women through various life transitions such as divorce, death of a spouse, retirement and inheritance, as well as caring for elders. Our clients enjoy a rich education and an overall deep organization of their financial wealth and health.
Your Financial Future
Fixed Income Solutions
Clients who require fixed income securities enjoy the work of our team member Tom Dowse, Portfolio Management Director, who brings over 40 years of fixed income experience to the Napa Reserve Group's clients.
Fixed Income Newsletter - 4Q20 RecapInvesting For Women
More than ever, women are making important contributions to the economy. As entrepreneurs, investors, and philanthropists, we are seeking to use our wealth to make a difference and enrich our communities. In doing so, we are empowering ourselves and others to be financially free.
Developing Your Financial Savy
Today, women drive 70-80% of all consumer purchasing, through a combination of buying power and influence. And yet, women are still earning and saving less than men.
It's time to bridge the gap, and developing your financial savvy is the first step in helping ensure that you achieve the financial future that you envision.
Women and WealthIt's time to bridge the gap, and developing your financial savvy is the first step in helping ensure that you achieve the financial future that you envision.
Opportunities for Female Investors
Female wealth creators are the most likely to describe themselves as primary decision makers (75% do), but surprisingly, so too do 66% of inheritors and 43% of women whose spouse created their household wealth. Women are, in short, economic powerhouses. They are not just influencing wealth, but determining how their assets are allocated.
Harnessing the Power of the Purse
Career Comebacks
Stepping out of the workforce—for any reason—is a big decision, and kickstarting your career after time away can feel daunting. Here are tips for boosting your confidence and knowledge around your coveted career comeback.
Make Your Comeback!
Navigating Divorce
Divorce is almost never easy. It can impact your life in complex and unexpected ways, particularly when it comes to your finances. The more you know and the better your understand your options, the more prepared you will be to make sound decisions. This approach will help you take control of your financial life and prepare the way for greater security and flexibility in the future.
Take Control of Your FutureModern Wealth Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we offer to help give you a superior wealth management experience.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of digital features that help you keep track of your finances. They include mobile check deposit, paying your bills online, sending money through Zelle®, and accessing current market data, research, company profiles and quotes.
Morgan Stanley Online
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Total Wealth View
It’s hard to see the complete picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions in a centralized location to give you and your financial advisor a full picture of your financial wealth and health. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Total Wealth View
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest EpisodeLocation
700 Main Street
Suite 315
Napa, CA 94559
US
Direct:
(707) 254-4429(707) 254-4429
Toll-Free:
(800) 829-0194(800) 829-0194
Meet The Napa Reserve Group
Marisa B. Goldstein, CFP®
First Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(707) 254-4429(707) 254-4429
Phone:
(707) 254-4435(707) 254-4435
Erika Uribe
Portfolio Associate
Phone:
(707) 254-4438(707) 254-4438
About Mark J. Cordeiro
Mark Cordeiro is a Sports and Entertainment Director, Family Wealth Advisor, Certified Financial Planner (CFP®), and a Founding Partner of The Napa Reserve Group at Morgan Stanley. Mark takes immense pride in his commitment to his clients and enjoys providing prudent, trusted advice and financial strategies that are centered on each client’s personal needs and life goals. Mark’s goal for his clients is to help them confidently pursue their short and long-term goals to reduce their financial concerns and better enjoy their lives with their loved ones.
Mark’s professional focus as an advisor involves serving the unique and sophisticated needs of entertainers in the music industry and professional athletes. His current clients have won Grammy, AMA, Billboard Music, and MTV Music Awards. With more than 20 years of experience, Mark and The Napa Reserve Group understand that, as a creative professional, you often deal with work and family-related situations that differ from a typical business owner or corporation. Whether it’s developing a support staff to maintain success, talking to kids about finances, or addressing various types of financial needs, Mark and his team will deploy a comprehensive, personalized approach to help you achieve your goals.
Mark received his Bachelor of Science from Arizona State University. Mark went on to earn his MBA from The Thunderbird School of Global Management at his alma matter. Mark began his career at Paine Webber as a Financial Advisor. He earned the Investment Consultant designation from Investment Management Consultants Association in 2000 and was awarded to the Fidelity Advisor counsel for providing an exceptional level of professional advice and personal service to his clients. He was also nationally recognized by Putnam Investments for his high professional standards.
Mark also enjoys contributing time to philanthropy. He was on the Board of Directors of the Boys and Girls Clubs where he served as President in 2009-2010 and received the Chairman Award in 2010. He has also volunteered for the Carousel Fund of Petaluma and for the Senior Services Program at the Volunteer Center of Napa Valley. He was also on the Board of Directors for the Napa Valley College Foundation and was elected to the Napa Valley College Board of Trustees, District Four in 2007. In his spare time, Mark enjoys spending time with his family, traveling, golfing, freediving, kayaking, and fishing.
Mark’s professional focus as an advisor involves serving the unique and sophisticated needs of entertainers in the music industry and professional athletes. His current clients have won Grammy, AMA, Billboard Music, and MTV Music Awards. With more than 20 years of experience, Mark and The Napa Reserve Group understand that, as a creative professional, you often deal with work and family-related situations that differ from a typical business owner or corporation. Whether it’s developing a support staff to maintain success, talking to kids about finances, or addressing various types of financial needs, Mark and his team will deploy a comprehensive, personalized approach to help you achieve your goals.
Mark received his Bachelor of Science from Arizona State University. Mark went on to earn his MBA from The Thunderbird School of Global Management at his alma matter. Mark began his career at Paine Webber as a Financial Advisor. He earned the Investment Consultant designation from Investment Management Consultants Association in 2000 and was awarded to the Fidelity Advisor counsel for providing an exceptional level of professional advice and personal service to his clients. He was also nationally recognized by Putnam Investments for his high professional standards.
Mark also enjoys contributing time to philanthropy. He was on the Board of Directors of the Boys and Girls Clubs where he served as President in 2009-2010 and received the Chairman Award in 2010. He has also volunteered for the Carousel Fund of Petaluma and for the Senior Services Program at the Volunteer Center of Napa Valley. He was also on the Board of Directors for the Napa Valley College Foundation and was elected to the Napa Valley College Board of Trustees, District Four in 2007. In his spare time, Mark enjoys spending time with his family, traveling, golfing, freediving, kayaking, and fishing.
Securities Agent: MN, AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, ID, MD, MI, NC, NJ, NV, NY, OH, OR, PA, TN, TX, UT, VA, VT, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1316500
NMLS#: 1316500
About Marisa B. Goldstein
Marisa Goldstein, Certified Financial Planner™ and Financial Advisor at Morgan Stanley focuses on developing long term, realistic and achievable financial goals, and strategies for our clients. She focuses on providing clients with financial guidance through life transitions such as loss of a spouse, divorce, sudden wealth, retirement and/or legacy. Marisa is dedicated to educating and empowering individuals to understand and help solve their intricate financial challenges and has a distinctive ability to communicate complex financial strategies in understandable terms. Marisa builds a strong personal relationship with her clients so she can ultimately provide each of them with a customized financial plan that works for them.
Marisa Goldstein, CFP®, is a founding member of the Napa Reserve Group at Morgan Stanley. Drawing on over 20 years of industry experience, she brings substantial perspective to the team.
Marisa currently resides in Petaluma, California and is the proud mother of 2 wonderful children – Billie and Simon. In her spare time, Marisa enjoys spending time with her family and friends, exercising, home decorating, gardening and being with her 2 poodles.
Marisa Goldstein, CFP®, is a founding member of the Napa Reserve Group at Morgan Stanley. Drawing on over 20 years of industry experience, she brings substantial perspective to the team.
Marisa currently resides in Petaluma, California and is the proud mother of 2 wonderful children – Billie and Simon. In her spare time, Marisa enjoys spending time with her family and friends, exercising, home decorating, gardening and being with her 2 poodles.
Securities Agent: OR, CO, TX, NY, AZ, VA, NV, MD, CA, ID, HI, AR, WA, UT, NJ, PA, NC, IL, AL, FL, AK, TN, GA, CT, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1285266
CA Insurance License #: 0I67567
NMLS#: 1285266
CA Insurance License #: 0I67567
About Tom Dowse
Tom Dowse is a Financial Advisor, Vice President and Portfolio Manager with The Napa Reserve Group at Morgan Stanley. Throughout his accomplished career, Tom has distinguished himself through his passion for investing and building comprehensive strategies to help clients achieve their goals. Tom helps his clients identify suitable value stocks and corporate high yield bonds. Tom’s philosophy is that these sectors provide opportunity for strong potential returns in all types of financial markets and business cycles.
Drawing on 47 years of experience, Tom is a seasoned professional that consistently leverages his vast experience to build strong, personal relationships with his clients, striving to ensure that each client always receives first-class support from The Napa Reserve Group. Tom graduated from UCLA with both a B.S. and an MBA in Business, and later attended Berkeley Law School where he earned his Juris Doctorate. Tom realized his passion for wealth management and investing in 1974 and became a Financial Advisor, joining Morgan Stanley and The Napa Reserve Group in 2014.
Outside of the office, Tom enjoys spending time with his family, friends, and their dogs. Tom enjoys also golfing, gardening and watching old movies.
Drawing on 47 years of experience, Tom is a seasoned professional that consistently leverages his vast experience to build strong, personal relationships with his clients, striving to ensure that each client always receives first-class support from The Napa Reserve Group. Tom graduated from UCLA with both a B.S. and an MBA in Business, and later attended Berkeley Law School where he earned his Juris Doctorate. Tom realized his passion for wealth management and investing in 1974 and became a Financial Advisor, joining Morgan Stanley and The Napa Reserve Group in 2014.
Outside of the office, Tom enjoys spending time with his family, friends, and their dogs. Tom enjoys also golfing, gardening and watching old movies.
Securities Agent: AL, FL, AZ, NY, NE, CA, OR, IL, GA, NV, NJ, MD, ID, WA, UT, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1295711
NMLS#: 1295711
Contact Mark J. Cordeiro
Contact Marisa B. Goldstein
Contact Tom Dowse
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The Napa Reserve 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.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Morgan 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.
3An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
4Morgan 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.
5When 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.
6The 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Morgan 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.
3An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
4Morgan 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.
5When 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.
6The 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
