John Carty Jr.
Senior Vice President, Wealth Management, Branch Manager, Corporate Retirement Director, Financial Advisor
Phone:
(413) 736-1122(413) 736-1122
The New England Wealth Management Group at Morgan Stanley
Direct:
(413) 734-7311(413) 734-7311
Toll-Free:
(800) 628-9046(800) 628-9046
Our Mission Statement
Helping you write the next chapter of your financial life
Our Story
If you are like many of our clients, you have worked hard at your careers and have much to show for it. What you may now be seeking is someone who will work with you to help preserve your assets and increase your preparedness for the next stage of your life.
The New England Wealth Management Group is a team of experienced financial professionals who has helped numerous families, businesses and institutions meet the challenges standing between them and their financial goals. Our focus includes investments but goes far beyond to encompass virtually every aspect of your financial life through a personalized, comprehensive planning process. As a result, we have served as the go-to source for information and guidance whenever our clients have a financial question, concern or issue to address.
The New England Wealth Management Group is a team of experienced financial professionals who has helped numerous families, businesses and institutions meet the challenges standing between them and their financial goals. Our focus includes investments but goes far beyond to encompass virtually every aspect of your financial life through a personalized, comprehensive planning process. As a result, we have served as the go-to source for information and guidance whenever our clients have a financial question, concern or issue to address.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We take pride in the depth and longevity of our client relationships. Many of our clients have been with us for decades and a number of them have introduced us to their children and grandchildren so we can continue to provide them with sound financial advice.
As you would expect, our clients include affluent families, successful business owners and corporate executives who are well established in their communities and careers. They have already built substantial wealth in many cases and are looking to us to help preserve what they’ve accumulated.
In addition, our clientele includes thriving businesses seeking to attract and retain talented employees with 401(k), 403(b) and other retirement plans. These clients are often all too aware that managing a comprehensive retirement plan for their employees requires a unique set of skills. As fiduciaries, they are responsible for selecting and monitoring service providers and investments, while also adhering to ERISA?regulations. The question for these clients is how to perform these tasks without diverting attention from core business issues. That’s where we can help. Our team can assist in:
As you would expect, our clients include affluent families, successful business owners and corporate executives who are well established in their communities and careers. They have already built substantial wealth in many cases and are looking to us to help preserve what they’ve accumulated.
In addition, our clientele includes thriving businesses seeking to attract and retain talented employees with 401(k), 403(b) and other retirement plans. These clients are often all too aware that managing a comprehensive retirement plan for their employees requires a unique set of skills. As fiduciaries, they are responsible for selecting and monitoring service providers and investments, while also adhering to ERISA?regulations. The question for these clients is how to perform these tasks without diverting attention from core business issues. That’s where we can help. Our team can assist in:
- Selecting the provider that best meets the plan’s needs and the sponsor’s concerns and circumstances
- Developing an appropriate Investment Policy for the plan
- Monitoring investment options over time and adding or eliminating options when necessary
- Providing education programs and one-to-one counseling for plan participants
- Complying with all IRS and Department of Labor regulations governing fiduciary and other plan sponsor responsibilities
Working With You
Over the decades, we have developed warm, long-standing client relationships because of the honesty we deliver and the trust that develops as a result of our commitment to being open and forthright. We take great pride in doing the right thing. It is at the heart of what we do.
Our collaborative process begins with conversations focused on thorough due diligence and gaining a comprehensive understanding of your financial life and aspirations. We utilize a time-tested process for helping to protect and grow wealth.
Our collaborative process begins with conversations focused on thorough due diligence and gaining a comprehensive understanding of your financial life and aspirations. We utilize a time-tested process for helping to protect and grow wealth.
Discovery Meeting
This in-depth conversation is designed to identify what is truly important to you, so we may create a customized plan fully aligned with your goals.
Create Wealth Management and Investment Plan
From this ongoing dialogue, we will analyze your current situation and develop specific strategies as part of your detailed wealth management and investment plan.
Plan Implementation
At this interactive presentation we will answer specific questions regarding the implementation of your plan and set up any desired services, such as online access, electronic delivery and automatic bill pay.
Regular Process Meetings
Ongoing phone calls or meetings focus on reviewing your progress and determining any adjustment that may be necessary, based on changes in the market and your personal situation.
Depth of Client Service:
Our clients know a team member will be in the office to answer any question they may have – large or small- or return their call ASAP.
Beyond your investments, we often work with Morgan Stanley specialists in such disciplines as lending, trusts and insurance to get their input on your overall financial situation and implement their suggestions, when appropriate.
Beyond your investments, we often work with Morgan Stanley specialists in such disciplines as lending, trusts and insurance to get their input on your overall financial situation and implement their suggestions, when appropriate.
MORGAN STANLEY RESEARCH
Morgan Stanley seeks to make complex financial ideas more digestible, so our clients have greater visibility into what we are doing on their behalf to plan for their financial future, and why. The links below provide an in-depth analysis on interesting and timely topics affecting the worlds of business and finance not only now, but in the foreseeable future.
Thoughts On The Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues give their perspective on the forces shaping the market and cover the latest trends in the financial marketplace.
Thoughts on The Market Podcast
Global Investment Committee On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on various topics including global equities, fixed income markets, monetary policy and more.
On The Markets
Morgan Stanley Ideas Podcast
From the use of satellites to solve some of the world's most complex problems, to mitigating group-think when making important decisions, the Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access our podcast library.
Morgan Stanley Ideas Podcast
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly ReportOur Suite of Digital Tools
Morgan Stanley's suite of financial wealth management technology makes it easier for our clients to view and manage their finances.
These digital tools allow for a more in-depth view of a client's finances, allowing The New England Wealth Management Group to provide more tailored advice and better service, so you can make better decisions.
These digital tools allow for a more in-depth view of a client's finances, allowing The New England Wealth Management Group to provide more tailored advice and better service, so you can make better decisions.
Morgan Stanley Online and MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond simply viewing your account balance and activity.
Features include:
- eAuthorizations: Authorize transactions securely, with a single click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- Manage everyday finances such as paying bills online and sending money or transferring funds.
- Access to Morgan Stanley's current market research, as well as our financial education center.
Morgan Stanley Online RegistrationFeatures include:
- eAuthorizations: Authorize transactions securely, with a single click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- Manage everyday finances such as paying bills online and sending money or transferring funds.
- Access to Morgan Stanley's current market research, as well as our financial education center.
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Get Started with Digital VaultAll files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
LifeView®
With LifeView®, we'll define a portfolio that gets you to, and lasts you through, your retirement years. We'll create a financial framework to make sure we're on track in both phases of your retirement.
You'll Benefit From:
- A plan designed to achieve your goals, tailored to your specific risk preferences and circumstances
- Comprehensive monitoring
- Adjustments made for changes in the market
You'll Benefit From:
- A plan designed to achieve your goals, tailored to your specific risk preferences and circumstances
- Comprehensive monitoring
- Adjustments made for changes in the market
Total Wealth View
Total Wealth View allows you to link your financial information from other accounts at other institutions directly to your Morgan Stanley Online or Mobile App profile.
The ability to view all your assets in one place allows The New England Wealth Management Group to deliver advice based on your entire financial picture, rather than just based on the piece here at Morgan Stanley.
Learn MoreThe ability to view all your assets in one place allows The New England Wealth Management Group to deliver advice based on your entire financial picture, rather than just based on the piece here at Morgan Stanley.
eDelivery
Through eDelivery, you can review your account documents online. You will receive an email whenever a new document is available and can access the document by logging into Morgan Stanley Online.
Using eDelivery eliminates the risk of paper statements being intercepted or stolen through the mail.
Sign up for eDeliveryUsing eDelivery eliminates the risk of paper statements being intercepted or stolen through the mail.
Spending + Budgeting Tool
Efficiently track spending habits, easily categorize various expenses and create budgets across all of your accounts from both Morgan Stanley and other financial institutions. By sharing this information with our advisors, we can help you align your daily spending to your long-term goals.
More Information on the Spending + Budgeting ToolLocation
1500 Main St
19th Fl
Springfield, MA 01115
US
Direct:
(413) 734-7311(413) 734-7311
Toll-Free:
(800) 628-9046(800) 628-9046
Meet The New England Wealth Management Group
John J. Peterson
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(413) 736-1156(413) 736-1156
Phone:
(413) 736-1131(413) 736-1131
Jocelyn Mitchell, CFP®
Financial Advisor
Phone:
(413) 736-1159(413) 736-1159
Phone:
(413) 736-1139(413) 736-1139
Phone:
(860) 313-7177(860) 313-7177
Tami Maurice
Portfolio Associate
Phone:
(413) 736-1149(413) 736-1149
Diane Stone
Sr. Registered Associate
Phone:
(413) 736-1162(413) 736-1162
Ian Singer
Phone:
(413) 736-1185(413) 736-1185
About John Carty Jr.
John co-founded The New England Wealth Management Group and is also the branch manager of Morgan Stanley’s Springfield, MA office. As a financial services veteran with more than 20 years of experience, John joined Morgan Stanley in 2008 after building a thriving practice at two previous firms. His approach to working with clients and their families is based on comprehensive financial planning that encompasses asset management, lending and estate planning strategies.
In addition to working with individuals, John supports companies in effectively managing their retirement plans. John is among a select few Financial Advisors at Morgan Stanley to have earned the Corporate Retirement Director title. His specialized knowledge has granted him recognition throughout the retirement plan sector. John consults with 401(k) plan sponsors, and other defined contribution retirement plans and defined benefit plans.
John earned a B.S. in Communications with a concentration in Economics from The University of Massachusetts Amherst. He has been an active member of his community, serving on the board of the YMCA in Farmington, CT and coaching youth sports in Simsbury, CT; where he raised his son and daughter.
In addition to working with individuals, John supports companies in effectively managing their retirement plans. John is among a select few Financial Advisors at Morgan Stanley to have earned the Corporate Retirement Director title. His specialized knowledge has granted him recognition throughout the retirement plan sector. John consults with 401(k) plan sponsors, and other defined contribution retirement plans and defined benefit plans.
John earned a B.S. in Communications with a concentration in Economics from The University of Massachusetts Amherst. He has been an active member of his community, serving on the board of the YMCA in Farmington, CT and coaching youth sports in Simsbury, CT; where he raised his son and daughter.
Securities Agent: CA, VT, OK, WI, CT, MD, TN, VI, NC, ME, NY, MN, MI, OH, OR, WV, NV, DC, NE, NJ, VA, PA, NH, SD, TX, HI, GA, UT, WA, MA, MS, IL, MT, FL, AL, AR, SC, ND, RI, AZ, CO, PR, AK, NM, MO, KS, KY, LA, IN, DE, IA, ID, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1132172
NMLS#: 1132172
About John J. Peterson
John co-founded The New England Wealth Management Group and brings more than 30 years of experience to every client he serves. As a Morgan Stanley Senior Portfolio Manager, he manages equities on a discretionary basis for clients who prefer not to make their own investment decisions. He also manages fixed income on a non-discretionary basis, employing a buy-and-hold approach for clients seeking income and preservation of capital.
John is a graduate of University of Massachusetts in Amherst with a double major in economics and legal studies. John began his career at Shearson Lehman in 1985 and then moved to Kidder Peabody in 1989. John and his team joined Morgan Stanley in 2008.
An avid fly fisherman, John was a long-time supporter of Casting for Recovery, an organization dedicated to providing healing outdoor retreats for women with breast cancer. He has also mentored several young entrepreneurs in their efforts to start innovative businesses.
John, his wife Maryanne and their daughter Julie reside in Wilbraham.
John is a graduate of University of Massachusetts in Amherst with a double major in economics and legal studies. John began his career at Shearson Lehman in 1985 and then moved to Kidder Peabody in 1989. John and his team joined Morgan Stanley in 2008.
An avid fly fisherman, John was a long-time supporter of Casting for Recovery, an organization dedicated to providing healing outdoor retreats for women with breast cancer. He has also mentored several young entrepreneurs in their efforts to start innovative businesses.
John, his wife Maryanne and their daughter Julie reside in Wilbraham.
Securities Agent: OH, SC, MO, MA, WA, VA, HI, WY, VT, UT, TX, TN, RI, PA, OR, NY, NM, NJ, NH, NC, MT, MS, MI, ME, MD, LA, IN, IL, GA, FL, DC, CT, CO, CA, AZ, AL, AK, NV; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253214
NMLS#: 1253214
About Brett M. Singer
Brett has been in the Financial Services industry for over 30 years; starting his career at Merrill Lynch and spending the remainder of that time at Morgan Stanley, where he also held the role of Branch Manager. His primary focus throughout this period, has been to help clients achieve a successful and fruitful retirement. This has been accomplished by carefully listening to client’s needs and concerns and then employing comprehensive and sophisticated financial planning tools, along with suitable portfolio composition, to meet those needs.
He is also well experienced within the corporate finance arena, where he assists non-profit organizations and charitable institutions to help meet their goals. In addition, he works with small to mid-sized companies in helping to develop and successfully manage their corporate retirement programs.
Brett earned his BA from The University of Massachusetts at Dartmouth and his MBA in Finance, from The Western New England University. He has been active in many local non-profit organizations in and around the Springfield area.
He is also well experienced within the corporate finance arena, where he assists non-profit organizations and charitable institutions to help meet their goals. In addition, he works with small to mid-sized companies in helping to develop and successfully manage their corporate retirement programs.
Brett earned his BA from The University of Massachusetts at Dartmouth and his MBA in Finance, from The Western New England University. He has been active in many local non-profit organizations in and around the Springfield area.
Securities Agent: RI, WA, PA, OR, NJ, NC, UT, TX, MO, IN, CA, VT, OH, NV, NH, MS, MA, AK, MN, ME, HI, GA, AL, TN, AZ, NY, CO, NM, MD, FL, CT, VA, SC, MT, MI, LA, DC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 31461
NMLS#: 31461
About Jocelyn Mitchell
Jocelyn joined the New England Wealth Management Group at Morgan Stanley in 2021 with over 30 years of experience in banking and financial services. Jocelyn has held her investment licenses since 2000 and earned her CFP® designation in 2020.
Jocelyn has a passion for educating her clients and helping them make informed decisions. As a CFP® professional, Jocelyn works closely with her clients to create and implement goals-based plans that focus on all aspects of their financial well-being.
Jocelyn earned both her BA in Economics and Math and her MBA in Finance from the University of Connecticut. She is active in her community and has served on several boards over the years. Jocelyn is currently serving on the board of the Farmington Valley YMCA.
Jocelyn resides in Canton Ct with her husband Dennis and two college-age children. Together they enjoy an active lifestyle of cycling, skiing and golf.
Jocelyn has a passion for educating her clients and helping them make informed decisions. As a CFP® professional, Jocelyn works closely with her clients to create and implement goals-based plans that focus on all aspects of their financial well-being.
Jocelyn earned both her BA in Economics and Math and her MBA in Finance from the University of Connecticut. She is active in her community and has served on several boards over the years. Jocelyn is currently serving on the board of the Farmington Valley YMCA.
Jocelyn resides in Canton Ct with her husband Dennis and two college-age children. Together they enjoy an active lifestyle of cycling, skiing and golf.
Securities Agent: AZ, LA, RI, NC, MD, GA, DC, AK, VT, UT, OH, MT, IN, NV, ME, CT, TX, VA, NY, NM, NH, AL, MI, MA, WA, TN, PA, NJ, FL, CA, SC, CO, OR, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 463735
NMLS#: 463735
About David T. Huntley
David has over 26 years of experience in the financial services industry. Throughout his career, David’s creativity, knowledge, and advice has helped individuals, families and businesses achieve their financial goals, maintain financial stability, and manage risk.
David grew up in western MA and currently lives in West Suffield, CT with his wife, Sue. They enjoy sports cars and spending time with their grandchildren and friends.
David grew up in western MA and currently lives in West Suffield, CT with his wife, Sue. They enjoy sports cars and spending time with their grandchildren and friends.
Securities Agent: VT, AL, WA, MS, MA, CO, AZ, VA, TN, SC, OH, MO, IN, NC, ME, MD, GA, NV, NH, TX, NY, NJ, LA, FL, DC, CT, AK, UT, PA, CA, RI, OR, NM, MT, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1273011
NMLS#: 1273011
About Me
Sophie Stevens joined New England Wealth Management Group and Morgan Stanley in December 2022 as a banking and financial professional with over 30 years of experience. She has a diverse background ranging from developing corporate institutional money management and investment processes, to working with individuals and their families in financial planning and wealth management. Leading with financial planning, Sophie is a future-focused advisor to elevate access to investments, products, solutions and information to her clients. Her planning process is designed to help define financial goals and values, then build a customized plan. This may include risk management, legacy and estate planning strategies, retirement planning, debt management, insurance, tax-efficient investment planning, investment and wealth management, leveraging strategic resources and more. Professional training includes Advanced Financial Planning, Certified Financial Manager, Connecticut (Florida, Massachusetts and New York) Health and Life, Connecticut Partnership for Long Term Care, Member of Avon and West Hartford Chambers of Commerce.
Securities Agent: NY, CT, AZ, FL, OH, NH, MN, AK, WA, UT, TX, PA, MI, MT, ME, IN, DC, AL, TN, SC, MO, MD, MA, LA, VA, NV, NM, NC, GA, CA, VT, MS, RI, CO, OR, NJ; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2479524
NMLS#: 2479524
About Tami Maurice
Tami has been working with John Peterson for over 30 years. During that time, she has helped clients open accounts, gather information for tax preparation, arrange for distributions and perform a multitude of tasks that have helped simplify their financial lives.
A graduate of North Adams State with a degree in Marketing, Tami went on to Western New England University where she earned an MBA in Finance. She realized early in her career that helping people was her passion and, in fact, many of the clients she has served over the years have become her friends.
Active in her community, Tami is an avid cyclist and participates in the grueling Pan-Mass Challenge, a well-known charitable event that raises funds for cancer. In addition to riding her bike from Sturbridge to Provincetown, Tami has coached her children’s soccer teams in Westfield for 15 years.
Tami currently reside in West Springfield.
A graduate of North Adams State with a degree in Marketing, Tami went on to Western New England University where she earned an MBA in Finance. She realized early in her career that helping people was her passion and, in fact, many of the clients she has served over the years have become her friends.
Active in her community, Tami is an avid cyclist and participates in the grueling Pan-Mass Challenge, a well-known charitable event that raises funds for cancer. In addition to riding her bike from Sturbridge to Provincetown, Tami has coached her children’s soccer teams in Westfield for 15 years.
Tami currently reside in West Springfield.
About Diane Stone
Diane started her career in 1991 with Kidder Peabody as an intern in high school. She quickly became interested in a career in the financial industry and was hired as an assistant to a team of Financial Advisors upon her graduating high school. During her 30 years career she has become an advocate for clients and her advisors by providing knowledgeable customer support in all areas of their daily operational needs as well as company policies and procedures. She currently holds her Series 7 and Series 63.
Diane and her two sons reside in West Springfield where she is actively involved with their academics and their various high school and college sports. She has organized many events with the Relay for Life, Juvenile Diabetes Foundation, Wreaths Across America and Friends of the Homeless as well as many other non-profit organizations.
Diane and her two sons reside in West Springfield where she is actively involved with their academics and their various high school and college sports. She has organized many events with the Relay for Life, Juvenile Diabetes Foundation, Wreaths Across America and Friends of the Homeless as well as many other non-profit organizations.
About Ian Singer
Ian earned his Bachelor of Arts degree in Political Science and Anthropology from Union College in Schenectady, NY. Post college, he furthered his education by obtaining a Paralegal Studies certificate from Middlesex College in Lowell, MA. Prior to joining Morgan Stanley, he was in retail management.
He is an avid amateur photographer who enjoys photographing the world around him. In addition, he enjoys writing poetry, playing a round of golf and skiing.
He was raised in Westfield, MA and currently lives in Southwick, MA.
He is an avid amateur photographer who enjoys photographing the world around him. In addition, he enjoys writing poetry, playing a round of golf and skiing.
He was raised in Westfield, MA and currently lives in Southwick, MA.
Contact John Carty Jr.
Contact John J. Peterson
Contact Brett M. Singer
Contact Jocelyn Mitchell
Contact David T. Huntley
Contact Sophie Stevens
Wealth Management
From Our Team
Understanding Your Retirement Plan Options When You Leave a Job
Wealth Management
Global Investment Office
Portfolio Insights
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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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
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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Are You Prepared for Tax Day?
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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
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
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State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The New England Wealth Management Group today.
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1Morgan 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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
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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.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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Awards Disclosures
1Morgan 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Morgan 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
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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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Awards Disclosures
CRC 6491812 (04/2024)
