David P Livingston
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(216) 360-4909(216) 360-4909
The Northcoast Wealth Management Group at Morgan Stanley
Our Mission Statement
If you wish to go fast, go alone. If you wish to go far, go together.
About Us
Together as a team since 1998, The NorthCoast Wealth Management Group at Morgan Stanley has provided families like yours with advice that has made a substantive difference in their lives; Advice that transcends investing and goes beyond your finances into every aspect of your life.
From a higher vantage point, your values, your family, your interests, your home life and your money are all intertwined. Whether by design or by accident, they are all interconnected parts of one portfolio—Your Life. The NorthCoast Wealth Management Group at Morgan Stanley advises that you live your life by design, not by accident. Employ a process that we call “Life Planning”.
From a higher vantage point, your values, your family, your interests, your home life and your money are all intertwined. Whether by design or by accident, they are all interconnected parts of one portfolio—Your Life. The NorthCoast Wealth Management Group at Morgan Stanley advises that you live your life by design, not by accident. Employ a process that we call “Life Planning”.
Services Include
- Estate Planning StrategiesFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Business Succession PlanningFootnote4
- Trust ServicesFootnote5
- Professional Portfolio ManagementFootnote6
- Alternative InvestmentsFootnote7
- Endowments and FoundationsFootnote8
- Cash Management and Lending ProductsFootnote9
- Planning for Individuals with Special Needs
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Significance Of A Family Wealth Director
The NorthCoast Wealth Management's Family Wealth Directors, David Livingston and Matthew Van De Motter, leverage the versatile resources of Morgan Stanley and professionals to help our clients and their families maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation and support they need to potentially lead meaningful, fulfilled and engaged lives.
Family Office Resources helps clients and Financial Advisors curate and navigate an expansive suite of highly specialized resources to address the complex multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently. Here are some resources to help you navigate:
Family Office Resources helps clients and Financial Advisors curate and navigate an expansive suite of highly specialized resources to address the complex multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently. Here are some resources to help you navigate:
Family Wealth Capabilities
A Family Wealth Director (FWD) is a rare distinction, earned by less than 4% of Morgan Stanley’s Financial Advisors as of February 2021. The designation is given to advisors who have undergone distinctive training to complement their extensive experience working with ultra-high net worth families. To learn more about our family wealth capabilities, click the link below.
Learn more
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
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Legacy & Estate Planning Strategies
The Wealth and Estate Planning Strategists look at all aspects of an individual's estate to understand the potential income tax and estate planning attributes of the vehicles. The goal is for the client and his or her investment professionals to make more informed investment decisions looking at their estate plan holistically.
Philanthropy Management
We provide our clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
Learn MoreLegacy Planning
Many of our clients are ultra-high net worth individuals and families that are committed to growing and preserving their legacy. Estate planning can be an uncomfortable subject matter for some, but thoughtful planning and communication can keep your family aligned as your circumstances evolve. Our team is dedicated to reviewing an effective estate plan to help define your legacy and preserve your wishes while balancing the investment needs of your family. Managing your family's wealth is so much more than simply reaching a desired return. To learn more about how we at Morgan Stanley help you leave a legacy that lasts, beyond just the numbers, please view the video attached above.
Resource Center
Our goal is simple: “To be the firm where the most talented, trusted advisors in the industry leverage cutting-edge technology and deliver customized wealth management strategies to their clients and their families to enable them to achieve their life goals.” The Firm strives to ensure it serves clients on market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Digital Tools
Morgan Stanley Online
Morgan Stanley Online and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management strategies and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Learn MorePortfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Learn MoreGoals Planning System
A holistic Goals Planning System approach can tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Once goals are assessed, various investment proposals are considered to help clients get on track in accordance to their risk tolerance. The new tools will link to the latest asset allocation models, research, and ideas and facilitate us in providing advice where it's needed.
Learn MoreMS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn MoreTotal Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning, and convenient connectivity.
Learn MoreCash Plus
CashPlus is an incentive program that recognizes and rewards clients for choosing Morgan Stanley for their everyday cash management needs. If certain eligibility requirements are met, clients can benefit from a myriad of advantages brought to them by CashPlus.
Learn MoreAdditional Resources
Location
31099 Chagrin Blvd
3rd Fl
Pepper Pike, OH 44124
US
Direct:
(216) 360-4967(216) 360-4967
Meet The Northcoast Wealth Management Group
Matthew J Van De Motter
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(216) 360-4908(216) 360-4908
Phone:
(216) 292-9068(216) 292-9068
Philip M Blickensderfer
Senior Vice President, Financial Advisor
Phone:
(216) 360-4948(216) 360-4948
Phone:
(216) 292-9074(216) 292-9074
Jon Blasko, CFP®
Assistant Vice President, Investment Consultant – Relationship Manager
Phone:
(216) 360-4961(216) 360-4961
Danielle Beard
Registered Client Service Associate
Phone:
(216) 360-4977(216) 360-4977
Tammy Blough
Group Director
Phone:
(216) 360-4976(216) 360-4976
Amanda Cairns
Client Service Associate
Phone:
(216) 360-4967(216) 360-4967
About David P Livingston
David began his career with Dean Witter Reynolds, Inc. in 1995 after graduating from Ohio Wesleyan University. Shortly thereafter, a partnership was formed with
Russ Bowen and Matt Van De Motter.
The partners made a firm change to Smith Barney in May 2005 which then became Morgan Stanley in 2009. David earned the title and Senior Vice President, Investments in 2014. In 2017, he earned the Family Wealth Director designation which enables him to specialize in handling complex wealth planning needs for ultra-high net worth clients.
He is and has been involved with a number of non-profit organizations in the northeast Ohio area having served as President of The Ohio Wesleyan Alumni Board of Directors (2013 – 2016); President of the Chagrin Falls Booster Board (2016 – 2022) and currently spends time volunteering with True Freedom Ministries.
David and his wife Katy live in Chagrin Falls and have three grown children, Grace, Emma and Reed. He enjoys the great outdoors with specific interest in upland bird hunting, fly-fishing, and skiing.
Russ Bowen and Matt Van De Motter.
The partners made a firm change to Smith Barney in May 2005 which then became Morgan Stanley in 2009. David earned the title and Senior Vice President, Investments in 2014. In 2017, he earned the Family Wealth Director designation which enables him to specialize in handling complex wealth planning needs for ultra-high net worth clients.
He is and has been involved with a number of non-profit organizations in the northeast Ohio area having served as President of The Ohio Wesleyan Alumni Board of Directors (2013 – 2016); President of the Chagrin Falls Booster Board (2016 – 2022) and currently spends time volunteering with True Freedom Ministries.
David and his wife Katy live in Chagrin Falls and have three grown children, Grace, Emma and Reed. He enjoys the great outdoors with specific interest in upland bird hunting, fly-fishing, and skiing.
Securities Agent: WI, WV, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OH, OR, PA, SC, TN, TX, VA, VT, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1390869
NMLS#: 1390869
About Matthew J Van De Motter
After graduating from Lynchburg College in 1990, Matt began his career with Oppenheimer & Co. in New York City. A lifelong “Clevelander” at heart, he moved back home to go to work for Morgan Stanley and shortly thereafter co-founded The Northcoast Wealth Management Group at Morgan Stanley.
In 1999 Matt earned the title of First Vice President and later was promoted to Senior Vice President. In 2015 Matt achieved the Family Wealth Director designation, held by less than 5% of Morgan Stanley Financial Advisors. He focuses on handling complex wealth planning needs for ultra-high net worth clients. In 2024, Matt was promoted to Managing Director.
Matt is involved with The Cleveland Museum of Natural History and the Western Reserve Land Conservancy as well as a number of other conservancy organizations.
Matt and his wife Renee live in Pepper Pike with their three boys, Jack, Ty and Reece. Matt is an avid outdoorsman and enjoys fly fishing, bird hunting, skiing and golfing, especially with his family.
In 1999 Matt earned the title of First Vice President and later was promoted to Senior Vice President. In 2015 Matt achieved the Family Wealth Director designation, held by less than 5% of Morgan Stanley Financial Advisors. He focuses on handling complex wealth planning needs for ultra-high net worth clients. In 2024, Matt was promoted to Managing Director.
Matt is involved with The Cleveland Museum of Natural History and the Western Reserve Land Conservancy as well as a number of other conservancy organizations.
Matt and his wife Renee live in Pepper Pike with their three boys, Jack, Ty and Reece. Matt is an avid outdoorsman and enjoys fly fishing, bird hunting, skiing and golfing, especially with his family.
Securities Agent: FL, DC, VT, SC, WV, OH, KY, WI, TN, MS, MD, UT, PA, OR, NH, MN, CT, NV, MO, MI, IL, CA, AZ, AR, VA, MA, NE, IN, GA, AK, TX, DE, CO, AL, WA, NY, NJ, NC, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1411147
NMLS#: 1411147
About Jon E. Lawrence
With more than 34 years of experience in the financial services industry, Jon brings a wealth of knowledge and a broad perspective of the investment world to our clients. While he has enjoyed success in numerous leadership positions over the years, Jon finds the greatest joy in serving clients and helping them articulate and achieve their most important goals.
Jon began his career as a Financial Advisor at E.F. Hutton in 1987 in his hometown of Buffalo, NY. During his tenure with successor firms, he steadily grew into leadership roles beginning in 1992 and culminating in 2009 as Director of Northeast Ohio for all Morgan Stanley operations and member of the Firm’s National Branch Manager Council. Jon then spent 5½ years leading Bank of America/Merrill Lynch in Northeast Ohio, where he oversaw 13 offices, 300 employees and $25 billion in client assets before returning to Morgan Stanley to join the Terrell Lawrence Group and subsequently joined North Coast Wealth Management Group.
Jon earned his degree in Finance from University of Dayton. Jon and his wife, Melanie, have been married since 1990. They spend time in Naples, FLA as well as Chagrin Falls, OH where their two daughters, Danielle and Erika, reside. Outside of work, Jon enjoys pickleball, golf, biking and travel. In addition, Jon is active at Parkside Church and serves philanthropically as a Board Member of True Freedom Ministries.
Jon began his career as a Financial Advisor at E.F. Hutton in 1987 in his hometown of Buffalo, NY. During his tenure with successor firms, he steadily grew into leadership roles beginning in 1992 and culminating in 2009 as Director of Northeast Ohio for all Morgan Stanley operations and member of the Firm’s National Branch Manager Council. Jon then spent 5½ years leading Bank of America/Merrill Lynch in Northeast Ohio, where he oversaw 13 offices, 300 employees and $25 billion in client assets before returning to Morgan Stanley to join the Terrell Lawrence Group and subsequently joined North Coast Wealth Management Group.
Jon earned his degree in Finance from University of Dayton. Jon and his wife, Melanie, have been married since 1990. They spend time in Naples, FLA as well as Chagrin Falls, OH where their two daughters, Danielle and Erika, reside. Outside of work, Jon enjoys pickleball, golf, biking and travel. In addition, Jon is active at Parkside Church and serves philanthropically as a Board Member of True Freedom Ministries.
Securities Agent: PA, TX, SC, MO, DC, WA, VT, MN, MS, WV, WI, MA, MI, MD, DE, OH, CA, CO, NY, FL, TN, NH, NE, KS, AL, AR, CT, OR, KY, IL, VA, NC, NJ, NV, IN, AZ, GA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 285466
NMLS#: 285466
About Philip M Blickensderfer
Through a consultative approach, Philip enjoys educating clients on the steps they need to take to help achieve their financial goals. The process begins by developing a plan unique to each client. After the plan has been implemented, Philip is involved with ongoing client reviews, tax and estate planning strategies, along with portfolio management. Philip has spent his entire ten year career in the financial services industry. First honing his skills at Merrill Lynch, Philip joined Morgan Stanley in 2009. He graduated from Ohio University with a Bachelor’s of Science degree in Finance and Economics. Philip is married to Ashley, and in his spare time, Philip enjoys spending time with his family and friends, staying active, and being outdoors.
Securities Agent: WV, FL, KS, NC, NV, VA, PA, WI, WA, VT, TX, TN, SC, OR, OH, NY, NJ, NH, NE, MS, MO, MN, MI, MD, MA, KY, IN, IL, GA, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 2600428
NMLS#: 2600428
About Romilly Taylor
Romilly joined Morgan Stanley as a Financial Advisor in 2018. With more than ten years Financial Services industry experience, his background covers portfolio management, financial planning, insurance, banking and lending. He is based in Pepper Pike, Ohio where he joined the Northcoast Wealth Management Group in 2021.
Romilly began his financial services career at PNC. He held a position with PNC Investments before transitioning to a senior portfolio manager role with PNC Wealth Management. Romilly received his Bachelor of Science degree in Economics from the University of Birmingham, England and his Master’s in Business Administration from the Monte Ahuja College of Business at Cleveland State University.
Romilly focuses on advising professionals and high net-worth families in developing and implementing a personalized wealth management strategy. With the full resources of Northcoast Wealth Management Group and Morgan Stanley Wealth Management at his disposal, Romilly advises clients on virtually all aspects of wealth planning including asset allocation, retirement, education, trust, insurance, legacy, cash management and philanthropy.
Romilly hails from London, England and has been proud to call himself a Clevelander since 2009 when he relocated here to marry his now wife Monique. Romilly, Monique and their three children, Madeline, Callum and Jackson reside in Brecksville, Ohio where they are heavily involved in the community through church, sports and schools. Romilly serves as a board member of The British American Chamber of Commerce Ohio.
Disclaimers:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Romilly began his financial services career at PNC. He held a position with PNC Investments before transitioning to a senior portfolio manager role with PNC Wealth Management. Romilly received his Bachelor of Science degree in Economics from the University of Birmingham, England and his Master’s in Business Administration from the Monte Ahuja College of Business at Cleveland State University.
Romilly focuses on advising professionals and high net-worth families in developing and implementing a personalized wealth management strategy. With the full resources of Northcoast Wealth Management Group and Morgan Stanley Wealth Management at his disposal, Romilly advises clients on virtually all aspects of wealth planning including asset allocation, retirement, education, trust, insurance, legacy, cash management and philanthropy.
Romilly hails from London, England and has been proud to call himself a Clevelander since 2009 when he relocated here to marry his now wife Monique. Romilly, Monique and their three children, Madeline, Callum and Jackson reside in Brecksville, Ohio where they are heavily involved in the community through church, sports and schools. Romilly serves as a board member of The British American Chamber of Commerce Ohio.
Disclaimers:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Securities Agent: AR, CO, OH, KS, IL, MN, GA, NV, MA, KY, FL, DE, CT, NY, MS, IN, AZ, AL, MD, WA, UT, TX, PA, OR, NH, CA, AK, VT, VA, TN, NE, MO, WI, SC, NJ, DC, WV, NC, MI, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 593120
NMLS#: 593120
About Jon Blasko
Jon began his career as a Financial Representative at Fidelity Investments in 2007 in Cincinnati, OH. During his tenure with prior firms, he grew into leadership roles in Sales, Compliance and Operations which allowed his experience and knowledge to grow. This culminated in 2016 with a role as the Business Service Manager for all Morgan Stanley operations in the Complex branch. Jon was in that role for 3 years when the opportunity arose to join the Northcoast Wealth Management Group in 2019. Currently, Jon serves as the Director of Business Strategy and focuses in the group’s UHNW clients.
Jon earned his bachelor’s degree from Kent State University.
Jon and his wife, Stacy, have been married since 2008. They live in Burton, OH with their three boys, Ryan, Benny, and Sam. Outside of work, Jon enjoys watching and playing hockey, spending time with his family, anything outside, and home remodeling projects. Jon is also active with the Geauga Maple Leafs Youth Hockey Association as both a coach and treasurer.
Jon earned his bachelor’s degree from Kent State University.
Jon and his wife, Stacy, have been married since 2008. They live in Burton, OH with their three boys, Ryan, Benny, and Sam. Outside of work, Jon enjoys watching and playing hockey, spending time with his family, anything outside, and home remodeling projects. Jon is also active with the Geauga Maple Leafs Youth Hockey Association as both a coach and treasurer.
About Danielle Beard
Danielle graduated from Kent State University having earned a Bachelor of Business Administration in Finance and Marketing. While there, she began her career in finance with J.P. Morgan Chase Bank. She went on to get her licenses with Integrity Investments before eventually returning to Chase Bank. She joined Morgan Stanley in 2020 as a registered client service associate, and loves assisting clients with any needs that come up.
Danielle lives in Tallmadge, Ohio with her husband Jordan and 3 pets; Jax, Big Kitty, and Little Kitty. She is an avid ice hockey fan and enjoys trying new recipes and restaurants. She also spends time each week helping to lead her church’s youth group.
Danielle lives in Tallmadge, Ohio with her husband Jordan and 3 pets; Jax, Big Kitty, and Little Kitty. She is an avid ice hockey fan and enjoys trying new recipes and restaurants. She also spends time each week helping to lead her church’s youth group.
About Tammy Blough
Tammy Blough has over 34 years financial service experience, 24 of which have been with Morgan Stanley. She began her career at PaineWebber in 1988. She later joined Solomon Smith Barney in 2000 as an Administrative Assistant and was later promoted to Operations Manager. In 2010, Tammy moved to the Pepper Pike branch as a Complex Service Manager and later joined The Livingston Group, now the Northcoast Wealth Management Group. Tammy is the Group Director and oversees the client service team and is responsible for helping ensure that client needs are understood and met.
Tammy resides in Cuyahoga Falls with her dog Charlie. She is the proud mother of Adam and Emily and a joyous Mimi to four wonderful grandchildren, Brian, Waylon, Braelynn and Ariyhana. She enjoys spending time with her family, crafting and reading.
Tammy resides in Cuyahoga Falls with her dog Charlie. She is the proud mother of Adam and Emily and a joyous Mimi to four wonderful grandchildren, Brian, Waylon, Braelynn and Ariyhana. She enjoys spending time with her family, crafting and reading.
About Amanda Cairns
Amanda joined the Northcoast team in September of 2024 as a Client Service Associate. Previously she worked for PNC Bank for 21 years as an Assistant Branch Manager, including 19 years in that role at the North Olmsted branch. Amanda is passionate about client service, a true people-person.
Amanda grew up in Girard, Ohio and is a graduate of Kent State University. She and her husband John have been married for 33 years. Amanda and John live on the Westside of Cleveland in North Olmsted, Ohio. They are the proud parents of Ian, Zac, Kylie, Trevor and Shane and are delighted to be first-time grandparents of baby Cameron who was born in November 2024. Amanda loves to socialize and travel. She likes to experience new places and cultures and rarely visits the same place twice.
Amanda grew up in Girard, Ohio and is a graduate of Kent State University. She and her husband John have been married for 33 years. Amanda and John live on the Westside of Cleveland in North Olmsted, Ohio. They are the proud parents of Ian, Zac, Kylie, Trevor and Shane and are delighted to be first-time grandparents of baby Cameron who was born in November 2024. Amanda loves to socialize and travel. She likes to experience new places and cultures and rarely visits the same place twice.
Contact David P Livingston
Contact Matthew J Van De Motter
Contact Jon E. Lawrence
Contact Philip M Blickensderfer
Contact Romilly Taylor
Wealth Management
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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
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
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 Northcoast Wealth Management 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 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.
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 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
6Morgan 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.
7Alternative 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.
8Morgan 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.
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
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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
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 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.
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 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
6Morgan 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.
7Alternative 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.
8Morgan 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.
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
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.
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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)
