Travis L Roscoe, CRPS®, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(360) 613-1983(360) 613-1983
The New Salt Group at Morgan Stanley
Direct:
(360) 613-1983(360) 613-1983
Toll-Free:
(800) 447-6021(800) 447-6021
Our Mission Statement
We want our clients to fulfill their unique ambitions in life.
Our team’s care and attention to your financial needs allows you to enjoy time well-spent on what matters most to you.
Our team’s care and attention to your financial needs allows you to enjoy time well-spent on what matters most to you.
The New Salt Group
Adopt the pace of nature: her secret is patience
- Ralph Waldo Emerson
The New Salt Group is dedicated to the belief that we are in the service of our clients, and that a “salt of the earth” character is fundamental to the success of our team. Salt has historically been one of the most valuable commodities on earth because of its preservative properties, which allowed humankind to expand and explore. All of these attributes contribute to our team name.
We know seeing the big picture isn’t easy, and just when everything seems to be coming into clear view, the uncertainties of life and the financial markets remind us that we all need help along the way. That’s why we’re here – backed by the power of Morgan Stanley – to help you make sense of the complexities of modern wealth management.
The New Salt Group believes a financial life well-lived is achieved through hard work, commitment and time spent celebrating progress along the way. We are here so you can spend less time worrying about your finances and more time focusing on the areas of your life that bring you joy, meaning and purpose.
- Ralph Waldo Emerson
The New Salt Group is dedicated to the belief that we are in the service of our clients, and that a “salt of the earth” character is fundamental to the success of our team. Salt has historically been one of the most valuable commodities on earth because of its preservative properties, which allowed humankind to expand and explore. All of these attributes contribute to our team name.
We know seeing the big picture isn’t easy, and just when everything seems to be coming into clear view, the uncertainties of life and the financial markets remind us that we all need help along the way. That’s why we’re here – backed by the power of Morgan Stanley – to help you make sense of the complexities of modern wealth management.
The New Salt Group believes a financial life well-lived is achieved through hard work, commitment and time spent celebrating progress along the way. We are here so you can spend less time worrying about your finances and more time focusing on the areas of your life that bring you joy, meaning and purpose.
Services Include
- Financial PlanningFootnote1
- Corporate Retirement PlansFootnote2
- Business PlanningFootnote3
- Planning for Education FundingFootnote4
- Endowments and FoundationsFootnote5
- Estate Planning StrategiesFootnote6
- 401(k) Rollovers
- Lending Products
- AnnuitiesFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Sustainable InvestingFootnote10
- Alternative InvestmentsFootnote11
- Cash ManagementFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Did you know that our name – The New Salt Group – is more than just a contemporary mineral reference? The “New Salt” moniker actually has a multitude of meanings to us! It is an homage to our team’s personal history, and flirts with naval tradition. It is also aptly a nod to the financial history of the world. And last but not least, it is a message of promise.
“New Salt” came to us as the name of a road in Maine. This particular seaside road is one where our retired partner spent his childhood summers and continues to be a cherished family homestead. In honor of the wonderful business that he set in motion decades ago which brought us all together today, we treasure the reminder of his warm spirit and family legacy in our team name.
While enjoying the beautiful Puget Sound, have you ever heard a sailor called an “Old Salt?” Spinning off this marine title of distinction seemed like an amusing Pacific Northwest connection. We hope it conveys the idea of a new generation receiving and applying refreshed wisdom from Old Salts to help clients navigate their course ahead.
Salt is an ancient preservative, necessary for good health, and makes food tastier! For these reasons, salt has historically been a valuable commodity and at times even a currency. Enabling both the growth of civilizations and world exploration, we appreciate the association with such a harbinger of good fortune.
And perhaps most importantly, our name is a reminder to be “salt of the earth”… to engage with each other, clients, and our communities with gratitude and reliable service. We aim to be “worth our salt” as we work to deliver on this promise.
“New Salt” came to us as the name of a road in Maine. This particular seaside road is one where our retired partner spent his childhood summers and continues to be a cherished family homestead. In honor of the wonderful business that he set in motion decades ago which brought us all together today, we treasure the reminder of his warm spirit and family legacy in our team name.
While enjoying the beautiful Puget Sound, have you ever heard a sailor called an “Old Salt?” Spinning off this marine title of distinction seemed like an amusing Pacific Northwest connection. We hope it conveys the idea of a new generation receiving and applying refreshed wisdom from Old Salts to help clients navigate their course ahead.
Salt is an ancient preservative, necessary for good health, and makes food tastier! For these reasons, salt has historically been a valuable commodity and at times even a currency. Enabling both the growth of civilizations and world exploration, we appreciate the association with such a harbinger of good fortune.
And perhaps most importantly, our name is a reminder to be “salt of the earth”… to engage with each other, clients, and our communities with gratitude and reliable service. We aim to be “worth our salt” as we work to deliver on this promise.
Family Wealth Planning
One of the main goals of our practice is to develop long-lasting relationships that deliver quality investment strategies and the full access to Morgan Stanley that clients deserve. We assist families like yours in planning for retirement down the road, or maybe it’s just around the corner. If, perhaps, you’re looking for an experienced team to assist you with the challenges inherent in managing the complex wealth of a family business, we stand ready to leverage our firm’s vast resources in service to your goals.
Tribal
Embracing the idea of stewardship, our team has been assisting Tribes with their resources for over 25 years; their financial resources, and most importantly, their people. Services to Tribal communities include investment management, lending, cash management, Minors’ Trust management, and financial education to Tribal Councils, investment committees, and general membership.
Corporate Retirement
Offering an employer sponsored plan like a 401k is a complex undertaking. Having proper support can free you and your team to focus on what’s really important to your business’ bottom line. Our team has over 20 years of experience working with employers to deliver industry-best-practice solutions focused on helping their people achieve successful retirement outcomes. Please see our brochure below for more about our current retirement plan metrics and capabilities.
Employer Stock Awards
Many companies in the Pacific Northwest provide equity compensation as part of their benefits package. Our team is available to provide assistance in understanding your options, and developing tax and risk balanced strategies to help you achieve your long term goals.
VALUABLE TOOLS AND MATERIALS
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets.
Below are a few resources that are offered to our clients from some of the most insightful people at Morgan Stanley.
Below are a few resources that are offered to our clients from some of the most insightful people at Morgan Stanley.
Monthly Investment Perspectives Webcast
Once a month, the Chief Investment Officer of Morgan
Stanley, Lisa Shalett, gives her monthly perspective on
the market.
Click Here to Access WebcastStanley, Lisa Shalett, gives her monthly perspective on
the market.
The Global Investment Committee Weekly
Lisa Shalett's GIC weekly goes into detail regarding the
markets, asset class performance and fixed income. She
does an amazing job making sense of the complex
market.
Click Here to Read Commentarymarkets, asset class performance and fixed income. She
does an amazing job making sense of the complex
market.
On the Markets
Each week, Morgan Stanley goes into detail regarding the
market. This can vary depending on different sectors,
equites, fixed income, and how the world events can
affect the future of the economy.
Click Here to Read On the Marketsmarket. This can vary depending on different sectors,
equites, fixed income, and how the world events can
affect the future of the economy.
Wealth Management Perspective
Some aspects of investing include patience, types of investments, emotions, and following trends of the market. In this presentation, you can read more about these in detail.
Click Here to Read More
2023-2025 Forbes Best-ln-State Wealth Management Team
For the years 2023-2025, The New Salt Group was listed in
Forbes as one of the top Wealth Management Teams in
the state of Washington.
Source: Forbes.com (2023-2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2023-2025. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in March of the previous year the award was issued, having commenced in March of the year before that.
Forbes as one of the top Wealth Management Teams in
the state of Washington.
Source: Forbes.com (2023-2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2023-2025. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in March of the previous year the award was issued, having commenced in March of the year before that.
Family Wealth Director Designation
Travis Roscoe has joined a select group of fewer than 3%
of Morgan Stanley Financial Advisors who have
completed a rigorous Family Wealth Director (FWD)
certification program. Building on his experience working
with ultra-high net worth families, the training he
received enables him to better assist clients with a broad
spectrum of wealth management areas.
He is eager to bring these fresh solutions to clients'
complex wealth challenges. Additionally, Travis and his
team will continue to work closely with any clients' tax,
legal, and other personal advisors, to design strategic and tactical solutions to issues their clients wish to explore.
of Morgan Stanley Financial Advisors who have
completed a rigorous Family Wealth Director (FWD)
certification program. Building on his experience working
with ultra-high net worth families, the training he
received enables him to better assist clients with a broad
spectrum of wealth management areas.
He is eager to bring these fresh solutions to clients'
complex wealth challenges. Additionally, Travis and his
team will continue to work closely with any clients' tax,
legal, and other personal advisors, to design strategic and tactical solutions to issues their clients wish to explore.
Corporate Retirement Director
Travis Roscoe and Traci Leslie have both obtained Morgan Stanley's Corporate Retirement Director designation. Earning this designation required training and in-depth study of plan design, installation, maintenance and administration of retirement plans. The Corporate Retirement Director designation recognizes individuals who, as part of their practice, focus on helping corporate clients manage their retirement plans.
Workplace Advisor - Equity Compensation
Mathew Lystra received his Workplace Advisor - Equity Compensation designation. This allows our team to educate workers receiving equity (stock) based compensation awards about how to effectively integrate those equity awards into their broader financial plan and use it to meet their goals. Our team can discuss topics like: stock option basics, restricted stock units, vesting, diversification, and tax considerations.
Location
1301 A Street
Suite 300
Tacoma, WA 98402
US
Direct:
(360) 613-1983(360) 613-1983
Toll-Free:
(800) 447-6021(800) 447-6021
1301 A Street
Ste. 300
Tacoma, WA 98402
US
Meet The New Salt Group
Traci M Leslie, CRPS®
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(360) 613-1964(360) 613-1964
Mathew Lystra
Vice President, Financial Advisor
Phone:
(360) 613-1973(360) 613-1973
Carrie Cashmore
Senior Client Service Associate
About Travis L Roscoe
Travis has been helping financially successful individuals, families and business leaders address their specific goals and circumstances since joining the firm in 2000. Responsible for helping shape the strategic vision of The New Salt Group, he combines his deep knowledge of the financial markets with skillful communication to deliver exceptional service. He counsels clients in the areas of investment management, asset protection and liability management, and also has significant experience in business succession planning and corporate retirement plans.
Travis graduated in the top 10% of his class from the University of Washington, where he earned his B.B.A. degree, with an emphasis on Finance. While earning his degree, he worked more than 60 hours a week as a lead manager of a 15-person crew at a nearby aerospace company. Upon graduation, he joined Morgan Stanley.
Travis knows about the characteristics that make up a good financial advisor: he started his career just as the Tech bubble burst in March, 2000; and he completed his final training class at the firm’s offices at the World Trade Center, four days before September 11, 2001. Forever engrained in his DNA as an advisor are qualities like discipline, perseverance and the necessity of having a good plan. He focuses on providing his clients with advice that gives lasting value, which is why he has continued his professional development over the years, earning his CERTIFIED FINANCIAL PLANNERTM (CFP®) designation in 2004 and his Chartered Retirement Plan SpecialistSM (CRPS) designation in 2015.
Travis’s pride and joy are his family and friends. His wife Natasha, who is also a graduate of the University of Washington, is home with their two children, Savanah and Gavin. Rain or shine, they all love the outdoors and adventure; Travis reached one of his personal goals by summiting Mt. Rainier three times. Their other passion is travel and exploring new places as a family.
Travis graduated in the top 10% of his class from the University of Washington, where he earned his B.B.A. degree, with an emphasis on Finance. While earning his degree, he worked more than 60 hours a week as a lead manager of a 15-person crew at a nearby aerospace company. Upon graduation, he joined Morgan Stanley.
Travis knows about the characteristics that make up a good financial advisor: he started his career just as the Tech bubble burst in March, 2000; and he completed his final training class at the firm’s offices at the World Trade Center, four days before September 11, 2001. Forever engrained in his DNA as an advisor are qualities like discipline, perseverance and the necessity of having a good plan. He focuses on providing his clients with advice that gives lasting value, which is why he has continued his professional development over the years, earning his CERTIFIED FINANCIAL PLANNERTM (CFP®) designation in 2004 and his Chartered Retirement Plan SpecialistSM (CRPS) designation in 2015.
Travis’s pride and joy are his family and friends. His wife Natasha, who is also a graduate of the University of Washington, is home with their two children, Savanah and Gavin. Rain or shine, they all love the outdoors and adventure; Travis reached one of his personal goals by summiting Mt. Rainier three times. Their other passion is travel and exploring new places as a family.
Securities Agent: NJ, FL, TN, MT, ME, PA, OR, AZ, WY, WA, SD, MA, HI, WI, TX, ID, IL, CO, CA, SC, RI, NY, NV, IA, AK, VA, MO, DC, CT, NC, MD, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274679
NMLS#: 1274679
About Traci M Leslie
A seasoned professional with 20 years of experience, Traci has dedicated her entire career to helping individuals, families and businesses address their specific financial challenges. She is committed to long-term relationships and endeavors to deliver objective advice and a warm, thoughtful approach. She listens carefully to her clients’ values and concerns, and works intently to help them achieve their financial objectives. Her primary responsibilities include analyzing corporate retirement plan solutions and overseeing the team’s client engagement process.
Traci joined Smith Barney, a predecessor firm of Morgan Stanley, in 1997 and has been a vital member of the firm ever since. Graduating with Distinction from Old Dominion University, Traci is a life-long learner and continuously strives to hone her skills for the benefit of herself and her clients. She holds a Morgan Stanley Financial Planning Specialist designation, and earned her Chartered Retirement Plan SpecialistSM (CRPS®) designation from the College of Financial Planning in 2016. Traci takes pride in helping her clients effectively manage their financial options, so they may take care of the people they love, spend more time pursuing the activities they enjoy, and support the causes that are most important to them.
Her passion for helping clients achieve their goals is equaled only by her dedication to her family and community. She has served on the finance committee of her school district, and over the past 10 years has been the treasurer for various parents’ groups at her children’s schools.
Born in California, Traci grew up in Texas and now lives on the Kitsap Peninsula with her husband, Brian, a mechanical engineer, and their three daughters, Witlie, Stella and Veronica. In her free time, Traci enjoys cooking with her husband, kayaking on Dyes Inlet, and cheering on her girls in a variety of sports games, and on stage in plays and bands.
Traci joined Smith Barney, a predecessor firm of Morgan Stanley, in 1997 and has been a vital member of the firm ever since. Graduating with Distinction from Old Dominion University, Traci is a life-long learner and continuously strives to hone her skills for the benefit of herself and her clients. She holds a Morgan Stanley Financial Planning Specialist designation, and earned her Chartered Retirement Plan SpecialistSM (CRPS®) designation from the College of Financial Planning in 2016. Traci takes pride in helping her clients effectively manage their financial options, so they may take care of the people they love, spend more time pursuing the activities they enjoy, and support the causes that are most important to them.
Her passion for helping clients achieve their goals is equaled only by her dedication to her family and community. She has served on the finance committee of her school district, and over the past 10 years has been the treasurer for various parents’ groups at her children’s schools.
Born in California, Traci grew up in Texas and now lives on the Kitsap Peninsula with her husband, Brian, a mechanical engineer, and their three daughters, Witlie, Stella and Veronica. In her free time, Traci enjoys cooking with her husband, kayaking on Dyes Inlet, and cheering on her girls in a variety of sports games, and on stage in plays and bands.
Securities Agent: AR, TX, ME, CA, ID, GA, FL, RI, WI, WA, OR, MA, IA, CT, WY, VA, NY, NV, NC, MO, SD, PA, MT, MD, IL, HI, CO, MI, DC, AZ, AK, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1274573
NMLS#: 1274573
About Mathew Lystra
An outcome-driven Financial Advisor, Mat provides uniquely tailored advice to corporate executives, business owners, and people that want to retire with anticipation instead of apprehension. His comprehensive approach includes a thorough planning process and a commitment to providing outstanding service and advice.
Prior to joining The New Salt Group, Mat spent two years at the London Stock Exchange and 10 years with the Frank Russell Investment Company managing the day-to-day relationships of some of their largest institutional clients. In recent years, he was a senior research analyst, responsible for developing new products, client content and specialized knowledge to support the firm’s service teams. He joined Morgan Stanley in 2017 for the opportunity to share his institutional knowledge with success-minded individuals and their families while fostering personal relationships with his clients.
Mat is the epitome of a lifelong learner. He earned his B.A. in Psychology from Western Washington University in 2001, a second B.A. in Finance with honors from the University of Washington in 2007 and his M.B.A. from Middlesex University in London in 2017. Over the years, he has authored a large body of financial research that has been featured in such publications as The Wall Street Journal, Barron’s and The Financial Times.
Mat takes great pride in his ability to take complex financial concepts and communicate them to clients in plain language so they can be confident in the plan that’s been crafted. All too often, misunderstanding and fear drives financial decisions, becoming major reasons why many financial plans fail – or worse, aren’t considered at all. Mat helps clients get beyond the noise to stay focused on their plans, goals and dreams.
Originally from Southern California, Mat proudly calls Tacoma his home with his wife, Lindsey, and their four children, Carter, Eli, Sawyer and Beau. He volunteers as a coach for youth soccer, basketball and baseball and is a fundraiser at his children’s school. Favorite leisure activities include biking, yoga and studying American history.
Prior to joining The New Salt Group, Mat spent two years at the London Stock Exchange and 10 years with the Frank Russell Investment Company managing the day-to-day relationships of some of their largest institutional clients. In recent years, he was a senior research analyst, responsible for developing new products, client content and specialized knowledge to support the firm’s service teams. He joined Morgan Stanley in 2017 for the opportunity to share his institutional knowledge with success-minded individuals and their families while fostering personal relationships with his clients.
Mat is the epitome of a lifelong learner. He earned his B.A. in Psychology from Western Washington University in 2001, a second B.A. in Finance with honors from the University of Washington in 2007 and his M.B.A. from Middlesex University in London in 2017. Over the years, he has authored a large body of financial research that has been featured in such publications as The Wall Street Journal, Barron’s and The Financial Times.
Mat takes great pride in his ability to take complex financial concepts and communicate them to clients in plain language so they can be confident in the plan that’s been crafted. All too often, misunderstanding and fear drives financial decisions, becoming major reasons why many financial plans fail – or worse, aren’t considered at all. Mat helps clients get beyond the noise to stay focused on their plans, goals and dreams.
Originally from Southern California, Mat proudly calls Tacoma his home with his wife, Lindsey, and their four children, Carter, Eli, Sawyer and Beau. He volunteers as a coach for youth soccer, basketball and baseball and is a fundraiser at his children’s school. Favorite leisure activities include biking, yoga and studying American history.
Securities Agent: AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, MA, MD, ME, MO, MT, NC, NJ, NV, NY, OR, PA, SC, SD, TX, VA, WA, WI, WV, WY, CA, RI, AK, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1694671
NMLS#: 1694671
About Carrie Cashmore
As a Senior Client Service Associate, Carrie is a central point of contact on a broad array of client specific services. Carrie's knowledge of people and processes make her highly adept at answering client questions efficiently. She not only knows how to help meet each client's specific needs, she knows how to anticipate them as well. Her patience, tenure, and passion for excellent service help provide clients with confidence and clarity.
Carrie began her career in financial services in 2008 in Morgan Stanley's operations department, where she showed great interest in learning and developing her knowledge and enhancing her already-excellent client service skills. She joined The New Salt Group in 2011 and has been an integral member of the team ever since. Carrie has passed the Series 7 exam. She is able to handle a variety of requests for clients, including asset transfers and various details of account maintenance, including multi-generational concerns.
Carrie was raised in Silverdale, where she still resides with her two teenage sons, Liam and Gavin. While she enjoys traveling, she now spends most of her free time at different sporting venues, cheering on her kids who play multiple sports. Carrie finds both pleasure and inspiration in watching her sons excel at school, sports and growing in life.
Carrie began her career in financial services in 2008 in Morgan Stanley's operations department, where she showed great interest in learning and developing her knowledge and enhancing her already-excellent client service skills. She joined The New Salt Group in 2011 and has been an integral member of the team ever since. Carrie has passed the Series 7 exam. She is able to handle a variety of requests for clients, including asset transfers and various details of account maintenance, including multi-generational concerns.
Carrie was raised in Silverdale, where she still resides with her two teenage sons, Liam and Gavin. While she enjoys traveling, she now spends most of her free time at different sporting venues, cheering on her kids who play multiple sports. Carrie finds both pleasure and inspiration in watching her sons excel at school, sports and growing in life.
Contact Travis L Roscoe
Contact Traci M Leslie
Contact Mathew Lystra
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
Wilson Calansingin
Associate Private Banker
About Wilson Calansingin
Wilson Calansingin is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington State.
Associate Private Bankers partner with Private Bankers and 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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
Associate Private Bankers partner with Private Bankers and 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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
NMLS#: 711776
Wealth Management
Global Investment Office
Portfolio Insights
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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
- 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
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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
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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
- Investment Management
- Plan Management Support
- Plan Participant Education
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.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The New Salt 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
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.
4When 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.
5Morgan 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.
6Morgan 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10The 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.
11Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
12Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
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.
4When 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.
5Morgan 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.
6Morgan 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10The 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.
11Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
12Morgan 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
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)
