Phone:
(813) 903-3034(813) 903-3034
The New Tampa Group at Morgan Stanley
Direct:
(813) 903-3030(813) 903-3030
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Corporate Retirement PlansFootnote3
- Asset Management
- Professional Portfolio ManagementFootnote4
- Philanthropic ManagementFootnote5
- Long Term Care InsuranceFootnote6
- Exchange Traded FundsFootnote7
- Alternative InvestmentsFootnote8
- Cash Management and Lending ProductsFootnote9
- Structured ProductsFootnote10
- Municipal BondsFootnote11
- AnnuitiesFootnote12
- Fixed IncomeFootnote13
- Life InsuranceFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Process
As a team of financial advisors, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service.
Discovery:
Taking the time to fully understand you and your family - Whether you're planning for retirement, purchasing a home, or living out your golden years - We consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy:
Using your life goals as my compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan:
Applying extensive research and analysis, and also utilizing Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success:
Checking in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. The ultimate mission is your success and well-being.
Financial Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. Using perspective and our experience with other unique clients like you to make recommendations on spending, giving, and living.
Read More
Retirement Planning
This is paramount in ensuring a successful retirement. We plan to bring an intense focus on this process. You have worked hard to get where you are at. Now it is up to us to help you live the retirement you have always dreamed of.
Read More
Business Planning
We can help you by sharing my experience in working with other business owners just like you. In working together, we will be able to share ideas and strategies to help you grow or liquidate your business.
Read More
Corporate Retirement Planning
Working with companies to develop and manage their corporate retirement plans. Let us bring our experience and resources to the table to take this burden off your shoulders.
Read MoreManage Your Wealth & Stay Updated
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Lean More: Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your goals.
Learn More: Goals Based Planning
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More: Protecting You
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More: Morgan Stanley
GIC Weekly: Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
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
Morgan Stanley Podcasts: "Now, what's next?"
Bringing you revealing stories about the world of business, finance, technology, and beyond.
The Latest Episode
Morgan Stanley Podcasts: On The Markets with Mike Wilson
Each week, Mike Wilson offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
The Latest Episode
Harold Astorquiza Named to Forbes Best-In-State Wealth Advisors 2019, 2021, 2022, 2023, and 2024
In 2019, 2021, 2022, 2023, and 2024 Harold was named one of Forbes Best-In- State Wealth Advisors. This ranking is based on an algorithm of qualitative criteria learned through telephone, virtual and in-person due diligence interviews, and quantitative data such as revenue trends and assets under management. The algorithm additionally weighs factors such as service models, compliance records and industry experience, and focuses on those that encompass best practices in their approach to working with clients.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Check Out Harold Astorquiza on Forbes!Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best In State Wealth Management Teams 2023, 2024, and 2025
In 2023, 2024, and 2025 the team was named one of Forbes Best-In-State Wealth Management Teams. The Forbes ranking of America’s Top Wealth Management Teams, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone, virtual and in-person due diligence interviews, and quantitative data. This qualitative criteria focus on studying each team’s best practices—service models, investing process, team construct, skill sets, etc.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Radenko Dobras Professional Basketball Career
Radenko was born in Banja Luka, former Yugoslavia, where he started playing basketball at a very young age. As a successful athlete throughout his early years, Radenko came over to the United States to play D1 basketball at University of South Florida, where he also received degree in Computer Science and Engineering. During his collegiate years, Radenko was an Academic All-American and became one of the top five national recipients of the NCAA postgraduate scholarship in recognition of outstanding achievements as a scholar and athlete. He is a member of the University of South Florida Athletics Hall of Fame.
After graduating from University of South Florida, Radenko played professional basketball in European basketball league from 1992 to 2001.
As a member of Yugoslavia National team he won gold in European Championship in 1985 and 1986 and World Championship in 1987 for 20 and under.
After graduating from University of South Florida, Radenko played professional basketball in European basketball league from 1992 to 2001.
As a member of Yugoslavia National team he won gold in European Championship in 1985 and 1986 and World Championship in 1987 for 20 and under.
Location
18302 Highwoods Preserve Pkwy
Tampa, FL 33647
US
Direct:
(813) 903-3030(813) 903-3030
Meet The New Tampa Group
Phone:
(813) 903-3042(813) 903-3042
Mark Delmar, CFP®
Senior Vice President, Financial Advisor
Phone:
(813) 903-3033(813) 903-3033
Harrison Astorquiza
Financial Advisor
Phone:
(813) 903-3046(813) 903-3046
David Weidner
Family Wealth Advisor
Phone:
(813) 286-5640(813) 286-5640
About Harold Astorquiza
Harold Astorquiza is a Florida native, growing up in Tampa he attended Jesuit high school which led him to attend the University of South Florida where he received his BA in Accounting & Finance. With a passion for the financial industry, he started at Merrill Lynch inn 1986 where he worked as a financial advisor for 4 years. In 1990, he moved over to Smith Barney as a Vice President where he stayed for about 10 years. In 2000, he went over to UBS also where he worked as a Senior Vice President of their Financial Services department. His experience at UBS lasted for 7 years, and in 2007 he came over to Morgan Stanley as both a Senior Vice President & Senior Portfolio Manager.
Aside from serving the firm, Harold sits on various boards throughout Florida ranging from the Jack & Jill Late-Stage Cancer Foundation to the Academy of Holy Names. Furthermore, he is involved with the Tampa Bay Sports Commission, SunDome Inc, University of South Florida, and Sigma Alpha Epsilon fraternity.
Aside from serving the firm, Harold sits on various boards throughout Florida ranging from the Jack & Jill Late-Stage Cancer Foundation to the Academy of Holy Names. Furthermore, he is involved with the Tampa Bay Sports Commission, SunDome Inc, University of South Florida, and Sigma Alpha Epsilon fraternity.
Securities Agent: VI, AK, CT, TN, OR, WA, VT, UT, AZ, MD, NC, WY, NE, WI, ID, CO, RI, SD, PR, SC, NJ, PA, NV, VA, DC, FL, NM, TX, CA, HI, WV, IN, KY, OK, GA, NH, MA, NY, LA, ND, MT, MS, MO, MN, MI, ME, OH, IL, IA, KS, DE, AL, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285210
NMLS#: 1285210
About Radenko Dobras
Radenko is a proud member of the Tampa Florida community and has been working at Morgan Stanley for the past 10 years. Radenko was born in Banja Luka, former Yugoslavia, where he started playing basketball at a very young age. As a successful athlete throughout his early years, Radenko came over to the United States to play D1 basketball at University of South Florida, where he also received degree in Computer Science and Engineering. During his collegiate years, Radenko was an Academic All-American and became one of the top five national recipients of the NCAA postgraduate scholarship in recognition of outstanding achievements as a scholar and athlete. He is a member of the University of South Florida Athletics Hall of Fame.
After graduating from University of South Florida, Radenko played professional basketball in European basketball league from 1992 to 2001. He was also member of Yugoslavia National team with whom he won the World Championship in Bormio, Italy.
After successful career out of basketball in Europe, he returned to the US to pursue a path in technology. Prior to joining Morgan Stanley, he worked as a software consultant for major firms including Verizon, AT&T, Johnson & Johnson, and Spectrum. Radenko operated his own LLC from 2001-2012.
Radenko came to Morgan Stanley in 2012. Joining as a financial advisor, he has spent the past 10 years focused on building relationships with many of those involved in the professional sports world. He enjoys working with professional athletes on all aspects of their financial lives during and after their careers. Focusing on building comprehensive plans and financial planning, Radenko brings his extensive knowledge and experience to every client relationship.
After graduating from University of South Florida, Radenko played professional basketball in European basketball league from 1992 to 2001. He was also member of Yugoslavia National team with whom he won the World Championship in Bormio, Italy.
After successful career out of basketball in Europe, he returned to the US to pursue a path in technology. Prior to joining Morgan Stanley, he worked as a software consultant for major firms including Verizon, AT&T, Johnson & Johnson, and Spectrum. Radenko operated his own LLC from 2001-2012.
Radenko came to Morgan Stanley in 2012. Joining as a financial advisor, he has spent the past 10 years focused on building relationships with many of those involved in the professional sports world. He enjoys working with professional athletes on all aspects of their financial lives during and after their careers. Focusing on building comprehensive plans and financial planning, Radenko brings his extensive knowledge and experience to every client relationship.
Securities Agent: MS, WA, PA, OH, TX, KY, CA, SC, NV, MA, AL, WY, NE, ME, VA, IL, AZ, WI, MI, FL, UT, OR, NM, NC, ID, AK, MT, MD, IA, GA, NY, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 521077
CA Insurance License #: 4034968
NMLS#: 521077
CA Insurance License #: 4034968
About Mark Delmar
Mark was originally born in Detroit, Michigan. He was raised in The Motor City of America for 14 years until he moved to Milford, MI where he spent 4 more. As a man of the Midwest, he attended Wayne State University in Detroit, where he studied Political science. After his college career at WSU, Mark entered the world of finance working as an Asset Manager at Avco Financial Services. Spending only a year there, he quickly moved over to American Way Service Corp where he worked as a Sales rep from 1979-1980. Moving once more to Ameriprise Financial Advisors in 1980, he worked as Financial Advisor until 2011.
Mark resides in Tampa, FL and has been working with Morgan Stanley since 2011. He has been married to his wife Susan for 27 years and loves to spend time with their 3 wonderful children, Katie, Charlie, and Ellie. Outside of work, he loves taking his two dogs on walks, caring for his cat, playing billiards and spending time with his family.
Mark is also a proud member of the Florida community, and has served on 3 boards such as the Children’s home of Tampa Bay, The Hillsborough education Foundation, and the American Express Foundation. Additionally, Mark has provided educational workshops on financial planning to over 1,500 Financial Advisors and has provided individual consulting to over 40 individuals working in the industry.
Mark resides in Tampa, FL and has been working with Morgan Stanley since 2011. He has been married to his wife Susan for 27 years and loves to spend time with their 3 wonderful children, Katie, Charlie, and Ellie. Outside of work, he loves taking his two dogs on walks, caring for his cat, playing billiards and spending time with his family.
Mark is also a proud member of the Florida community, and has served on 3 boards such as the Children’s home of Tampa Bay, The Hillsborough education Foundation, and the American Express Foundation. Additionally, Mark has provided educational workshops on financial planning to over 1,500 Financial Advisors and has provided individual consulting to over 40 individuals working in the industry.
Securities Agent: KY, AR, PA, IL, AL, VA, MO, MA, IN, FL, NH, AZ, WI, CA, AK, TN, MI, SD, NC, DE, CT, CO, WA, TX, MN, OR, OH, NV, NM, KS, GA, ID, UT, WY, SC, NY, NJ, IA, DC, NE, MT, ME, MD; General Securities Representative; Investment Advisor Representative
About Harrison Astorquiza
Harrison is passionate about the business world, and what draws him to Financial Advising is his love of being able to make a difference and help people reach their goals. Harrison attended Jesuit High School in Tampa, and their motto is "becoming a man for others", and he intends to live his life with that close to his heart and be a role model in the community that he grew up in. After high school Harrison went to Florida State University where he majored in Real Estate and Finance. He then joined the industry and Morgan Stanley in August of 2022, and completed the Series 7 and Series 66 licenses as well as the CRPC™ (Chartered Retirement Planning Counselor™).
Harrison is excited to be joining The New Tampa Group as he grew up watching and learning from his dad's energy and passion for the job. Harrison wants to become a resource that his clients can trust so they can focus on living their lives while feeling less stressed about their finances. He is excited to be joining a team of veterans who will share their expertise and experiences with him, while also being able to give his own unique perspective. Harrison's favorite part of the business is getting to know and learning each client's own unique life circumstances and crafting a strategy that helps them reach their personal goals. Outside of work, Harrison loves going to the beach, running, and biking. His favorite sport is soccer and he recently started learning golf and pickle ball.
Harrison is excited to be joining The New Tampa Group as he grew up watching and learning from his dad's energy and passion for the job. Harrison wants to become a resource that his clients can trust so they can focus on living their lives while feeling less stressed about their finances. He is excited to be joining a team of veterans who will share their expertise and experiences with him, while also being able to give his own unique perspective. Harrison's favorite part of the business is getting to know and learning each client's own unique life circumstances and crafting a strategy that helps them reach their personal goals. Outside of work, Harrison loves going to the beach, running, and biking. His favorite sport is soccer and he recently started learning golf and pickle ball.
Securities Agent: ND, AK, WY, MI, IA, TN, PA, MT, MO, MA, IL, FL, DC, CO, WV, KS, IN, DE, WA, UT, SC, RI, NM, MS, ME, LA, VT, VA, GA, AR, SD, OR, NV, NE, KY, ID, AL, PR, NY, NH, CT, VI, NJ, HI, TX, OH, NC, WI, OK, MN, MD, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2604478
NMLS#: 2604478
About David Weidner
David Weidner has been with Morgan Stanley since 2015, with his current role being a Family Wealth Advisor. Prior to joining Morgan Stanley, David served as a Corporate CFO specializing in healthcare and held leadership roles as a CPA and partner at Deloitte. He received his Undergrad, BA, at John Hopkins University and his Masters, MBA, at the University of Pittsburgh. He is passionate about helping families and individuals achieve their financial goals and his experience spans a wide range of wealth management strategies tailored to meeting clients unique needs.
Outside of work, David enjoys reading, playing golf, and dedicating his free time to supporting his local parish. He is married to his wife, Linda, and together they have two children. Whether he’s spending time with his family or mentoring others, David finds fulfillment in empowering others to succeed.
Outside of work, David enjoys reading, playing golf, and dedicating his free time to supporting his local parish. He is married to his wife, Linda, and together they have two children. Whether he’s spending time with his family or mentoring others, David finds fulfillment in empowering others to succeed.
Securities Agent: MD, PA, FL, MA, NC, CA, OR, OH, VA; General Securities Representative; Investment Advisor Representative
Contact Harold Astorquiza
Contact Radenko Dobras
Contact Mark Delmar
Contact Harrison Astorquiza
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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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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 Tampa 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.
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.
3When 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.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7An 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.
8Alternative 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.
9Morgan 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
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
11Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Insurance 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
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 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.
3When 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.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7An 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.
8Alternative 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.
9Morgan 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
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
11Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
