Charlie Galante
Managing Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director
Phone:
(206) 344-3550(206) 344-3550
The Northwest Legacy Group at Morgan Stanley
Direct:
(206) 628-4400(206) 628-4400
Toll-Free:
(206) 426-7837(206) 426-7837
Our Mission Statement
Helping families build and preserve their wealth by providing objective advice and custom solutions, so they may simplify their lives and pursue their passions
Our Story
With the demands of business, family and other pursuits, the one commodity successful individuals are increasingly short of is time. Our clients realize that by working with an advisor to help them oversee the various moving parts of their finances, they are empowered to focus on the things they do best and the people and passions they care about most.
Our mission is simple: We help families build and preserve their wealth by providing objective advice and dedicated services, so they may simplify their lives. We seek to accomplish this through the development of lasting, multi-generational relationships with our clients and those closest to them, and by continually aligning their customized financial plan with their goals and values.
Holistic wealth management means more than providing investment advice. It means helping our clients maintain the financial independence they’ve worked their whole lives to achieve and ensure they have the means to pursue what's most important to them. It also means understanding our clients and their family as individuals with unique circumstances to determine the strategies we develop on their behalf.
As our relationship evolves, we strive for our clients to regard us as trusted advisors — here to help them make informed financial decisions. We are committed to assisting our clients execute and refine their strategy to reflect ever-changing priorities in their lives, helping them reach their personal definition of financial success.
Our mission is simple: We help families build and preserve their wealth by providing objective advice and dedicated services, so they may simplify their lives. We seek to accomplish this through the development of lasting, multi-generational relationships with our clients and those closest to them, and by continually aligning their customized financial plan with their goals and values.
Holistic wealth management means more than providing investment advice. It means helping our clients maintain the financial independence they’ve worked their whole lives to achieve and ensure they have the means to pursue what's most important to them. It also means understanding our clients and their family as individuals with unique circumstances to determine the strategies we develop on their behalf.
As our relationship evolves, we strive for our clients to regard us as trusted advisors — here to help them make informed financial decisions. We are committed to assisting our clients execute and refine their strategy to reflect ever-changing priorities in their lives, helping them reach their personal definition of financial success.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
At The Northwest Legacy Group, our passion for our clients and their success is the cornerstone of our practice. We come to work every day engaged in helping make a difference in their lives.
Our commitment is to be here for you and your family over the long term. We’re here to answer life’s most important “what if” questions, helping you build your wealth and leave a lasting legacy. To that end, we are focused on the following core values that underscore our commitment to an exceptional client experience:
Our commitment is to be here for you and your family over the long term. We’re here to answer life’s most important “what if” questions, helping you build your wealth and leave a lasting legacy. To that end, we are focused on the following core values that underscore our commitment to an exceptional client experience:
- Every relationship begins with listening. We help you better understand your current situation and create a powerful vision of your financial future.
- Every decision we make will be focused on doing the right thing for you. We help simplify your financial life, offering the best solutions for your consideration with unbiased, objective advice.
- We provide comprehensive strategies for many of your financial needs and strive to be a trusted resource for any financial or life decision.
- We focus on delivering thoughtful, holistic wealth planning that unites family members across generations and supports your passions in life.
- When it comes to serving our clients, we go above and beyond. No matter how simple or how complex your needs, we are always here to help.
The Northwest Legacy Group Financial Planning Process:
As your dedicated wealth management team, our role is to help you develop a personalized financial strategy that lays out a clear path to your goals; a strategy you can follow, knowing you are making informed, confident decisions in today’s complex financial markets. Over the years, we have developed a customized consulting process designed to empower you to help achieve and maintain your financial goals.
Learning about You
Our process begins with a detailed conversation to learn about the values and circumstances that shape your priorities. We’ll also focus on what is important to you about the investment process and establishing a lasting relationship with our team.
Defining Your Goals
From our ongoing dialogue, we’ll analyze your current situation and identify specific areas of focus. We’ll begin to develop a detailed action plan with strategies to help you grow and preserve your wealth. This analysis will serve as the foundation for building your initial plan, as well as future financial decisions.
Customizing & Implementing Your Plan
Once we’ve discussed and refined your plan, we’ll work closely with you to bring each element to life. In addition to providing investment recommendations, we evaluate solutions that extend beyond portfolio management.
Evaluating Progress
To help ensure your strategy remains on track, we continuously monitor your financial plan as it relates to any changes in your life circumstances and goals.
Location
601 Union Street
Suite 5200
Seattle, WA 98101
US
Direct:
(206) 628-4400(206) 628-4400
Toll-Free:
(206) 426-7837(206) 426-7837
Meet The Northwest Legacy Group
Ty Smith
Managing Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director
Phone:
(206) 344-3557(206) 344-3557
Nick McCarty, CFP®
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Workplace Advisor – Equity Compensation, Portfolio Management Director
Phone:
(206) 344-3517(206) 344-3517
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Chartered Financial Consultant, Financial Planning Specialist, Workplace Advisor - Equity Compensation, Portfolio Management Director
Phone:
(206) 343-2788(206) 343-2788
Christian Sailer, CFP®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(206) 344-3533(206) 344-3533
Kathy Anderson
Senior Registered Associate, Portfolio Associate
Phone:
(206) 344-3532(206) 344-3532
Kelly Bowers
Assistant Vice President, Group Director
Phone:
(206) 344-3526(206) 344-3526
Natalie Heathman
Client Service Associate
Phone:
(206) 344-3591(206) 344-3591
About Charlie Galante
As a financial professional with more than 20 years of experience, Charlie provides holistic wealth management solutions to corporate executives, multi-generational families and individuals planning for retirement. He specifically enjoys helping his clients navigate unpredictable markets and working with families to create a multi-generational approach to wealth management.
Charlie joined Morgan Stanley in early 2000, after graduating from Washington State University with a degree in Business Administration. Throughout his career, he has earned a reputation for delivering exceptional client service. Morgan Stanley has recognized his ongoing commitment to clients by awarding him the National Director’s Award in 2001 and 2002, as well as the prestigious PaceSetter award in 2005. Charlie earned the firm’s designation of Financial Planning Specialist in 2010, Portfolio Management Director in 2016 and Senior Portfolio Management Director in 2019.
Over the years, Charlie has focused on developing financial strategies that are appropriate to helping meet his clients’ specific wealth management needs. He takes great pride in his approachable style for helping them make well-informed decisions and maintain the confidence and fortitude necessary to navigate the most challenging of markets. Charlie focuses on personalized asset allocation and constructing detailed wealth analysis plans.
Charlie is married with two young sons and resides in Clyde Hill. In his free time, he enjoys spending time with family and friends, traveling and continuing to improve his golf game.
Charlie joined Morgan Stanley in early 2000, after graduating from Washington State University with a degree in Business Administration. Throughout his career, he has earned a reputation for delivering exceptional client service. Morgan Stanley has recognized his ongoing commitment to clients by awarding him the National Director’s Award in 2001 and 2002, as well as the prestigious PaceSetter award in 2005. Charlie earned the firm’s designation of Financial Planning Specialist in 2010, Portfolio Management Director in 2016 and Senior Portfolio Management Director in 2019.
Over the years, Charlie has focused on developing financial strategies that are appropriate to helping meet his clients’ specific wealth management needs. He takes great pride in his approachable style for helping them make well-informed decisions and maintain the confidence and fortitude necessary to navigate the most challenging of markets. Charlie focuses on personalized asset allocation and constructing detailed wealth analysis plans.
Charlie is married with two young sons and resides in Clyde Hill. In his free time, he enjoys spending time with family and friends, traveling and continuing to improve his golf game.
Securities Agent: AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, MA, MD, MI, MN, MO, MT, NC, ND, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, ME, MS, NH, NM, RI, SD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1373242
CA Insurance License #: 4111581
NMLS#: 1373242
CA Insurance License #: 4111581
About Ty Smith
With more than 20 years of financial services experience, Ty is dedicated to providing customized solutions and wealth management services to financially successful individuals, multi-generational families and business owners living in Seattle and the Pacific Northwest. He listens carefully to his clients’ unique concerns, goals and values, working diligently to help them achieve their financial objectives and legacy priorities.
A graduate of California Polytechnic State University with a degree in Business Administration. Ty joined Morgan Stanley in 1999. Over the years, he has been recognized for the outstanding service he provides to clients. In 2000 and 2002, he was awarded the National Director’s Award, and in 2005, he earned the firm’s prestigious PaceSetter award. Ty earned the designation of Financial Planning Specialist in 2010, Portfolio Management Director in 2016 and Senior Portfolio Management Director in 2019.
Ty takes pride in his ability to put advanced concepts into action. His ultimate goal is to help guide clients on the growth and preservation of their assets, while helping achieve their long-term legacy goals. His approach is focused on articulating each client’s goals and aspirations, which serves as the foundation for the development of a custom strategy that can be adapted to respond to life changes and market activity.
Ty is married with two young daughters and resides in Seattle. In his free time, he enjoys cooking, landscaping, cheering on the local sports teams and exploring the beautiful surroundings of the Puget Sound with his family.
A graduate of California Polytechnic State University with a degree in Business Administration. Ty joined Morgan Stanley in 1999. Over the years, he has been recognized for the outstanding service he provides to clients. In 2000 and 2002, he was awarded the National Director’s Award, and in 2005, he earned the firm’s prestigious PaceSetter award. Ty earned the designation of Financial Planning Specialist in 2010, Portfolio Management Director in 2016 and Senior Portfolio Management Director in 2019.
Ty takes pride in his ability to put advanced concepts into action. His ultimate goal is to help guide clients on the growth and preservation of their assets, while helping achieve their long-term legacy goals. His approach is focused on articulating each client’s goals and aspirations, which serves as the foundation for the development of a custom strategy that can be adapted to respond to life changes and market activity.
Ty is married with two young daughters and resides in Seattle. In his free time, he enjoys cooking, landscaping, cheering on the local sports teams and exploring the beautiful surroundings of the Puget Sound with his family.
Securities Agent: WV, WI, WA, VA, UT, TX, TN, SD, SC, RI, PA, OR, OK, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, KY, KS, IN, IL, ID, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1373241
CA Insurance License #: 0L27682
NMLS#: 1373241
CA Insurance License #: 0L27682
About Nick McCarty
Nick's passion for investing and finance developed while pursuing his business degree at Oregon State University, where he was an active member of the Investment Club. Now with over a decade of industry experience in a wide range of capacities, this passion shines through in everything that he does.
As a CERTIFIED FINANCIAL PLANNER™ and Financial Advisor with the Northwest Legacy Group at Morgan Stanley, Nick focuses on providing guidance and advice across all areas of the financial planning process. His ability to anticipate client needs before they arise is coupled with the understanding that each client situation is unique, and deserving of the utmost care and consideration. Attentiveness and clear communication are at the top of his priority list, as he prides himself with providing only the highest level of service.
When Nick is not in the office, he enjoys spending time with family locally, exercising, and scuba diving in the Puget Sound.
As a CERTIFIED FINANCIAL PLANNER™ and Financial Advisor with the Northwest Legacy Group at Morgan Stanley, Nick focuses on providing guidance and advice across all areas of the financial planning process. His ability to anticipate client needs before they arise is coupled with the understanding that each client situation is unique, and deserving of the utmost care and consideration. Attentiveness and clear communication are at the top of his priority list, as he prides himself with providing only the highest level of service.
When Nick is not in the office, he enjoys spending time with family locally, exercising, and scuba diving in the Puget Sound.
Securities Agent: ME, WI, NJ, SD, MI, WV, KS, IL, IN, TN, VA, VT, WA, UT, OR, GA, OH, PA, RI, FL, TX, ID, HI, MT, DC, CT, MO, MD, MA, ND, AK, CA, NM, DE, KY, NV, OK, NY, SC, MS, MN, NC, CO, AR, AZ, AL, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1059296
CA Insurance License #: 4111652
NMLS#: 1059296
CA Insurance License #: 4111652
About Spencer J. O'Brien
Spencer creates comprehensive financial plans that address several key areas including cash flow planning, Social Security analysis, education planning and risk management. Spencer assists with managing client's income needs by recommending investments that complement the client's goals and risk tolerance while simultaneously aiming to optimize the returns and tax efficiency of their investment products.
Spencer's professional background is supported through nearly a decade of experience in Financial Planning and Analysis (FP&A) as both a former Army Officer and employee of Amazon Web Services. Spencer enjoys the relationship aspects of managing individual's portfolios and is very passionate about the capital markets.
Spencer graduated from the United States Military Academy at West Point and subsequently served as a commissioned Army Officer. During his military tenure he attained the rank of Captain and is a combat veteran of the war in Afghanistan. Spencer is well versed in the technology space, having previously worked for Amazon Web Services.
Spencer resides south of Seattle with his wife, Kelsey, two children, and their German Shorthaired Pointer, Tonka. In his free time, Spencer enjoys spending time in his home state of Montana and he is also an avid skier, football fan, and traveler.
Spencer's professional background is supported through nearly a decade of experience in Financial Planning and Analysis (FP&A) as both a former Army Officer and employee of Amazon Web Services. Spencer enjoys the relationship aspects of managing individual's portfolios and is very passionate about the capital markets.
Spencer graduated from the United States Military Academy at West Point and subsequently served as a commissioned Army Officer. During his military tenure he attained the rank of Captain and is a combat veteran of the war in Afghanistan. Spencer is well versed in the technology space, having previously worked for Amazon Web Services.
Spencer resides south of Seattle with his wife, Kelsey, two children, and their German Shorthaired Pointer, Tonka. In his free time, Spencer enjoys spending time in his home state of Montana and he is also an avid skier, football fan, and traveler.
Securities Agent: CO, DC, FL, GA, HI, ID, IL, IN, KS, MA, ME, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, DE, CT, KY, MD, AR, WV, AK, AZ, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1760555
NMLS#: 1760555
About Christian Sailer
Christian Sailer joined the Northwest Legacy group after graduating from the Foster School of Business at the University of Washington. He has a passion for wealth management and building strong client relationships.
Christian appreciates engaging with all generations in their wealth building process and brings a positive, energetic approach to client interactions every step of the way. As a CERTIFIED FINANCIAL PLANNER™, he leads with comprehensive financial planning as the basis for all recommendations to help clients reach their financial goals at all stages of life. Christian enjoys connecting with clients to understand their needs and provide the best advice for their current financial position.
A Northwest native, born and raised in Bellevue, WA, Christian currently resides in Seattle where he attended high school and college. Beyond his professional career, Christian is a four-time US National Pistol Champion, and won the 2022 World Championship in Thailand representing the US National Team, bringing home both an individual and team gold medal for the USA. He enjoys attending local sporting events and spending time with family and friends.
Christian appreciates engaging with all generations in their wealth building process and brings a positive, energetic approach to client interactions every step of the way. As a CERTIFIED FINANCIAL PLANNER™, he leads with comprehensive financial planning as the basis for all recommendations to help clients reach their financial goals at all stages of life. Christian enjoys connecting with clients to understand their needs and provide the best advice for their current financial position.
A Northwest native, born and raised in Bellevue, WA, Christian currently resides in Seattle where he attended high school and college. Beyond his professional career, Christian is a four-time US National Pistol Champion, and won the 2022 World Championship in Thailand representing the US National Team, bringing home both an individual and team gold medal for the USA. He enjoys attending local sporting events and spending time with family and friends.
Securities Agent: NM, AK, WV, OK, NY, MD, KY, WI, NC, MT, DE, CT, PA, NH, IN, WA, UT, MN, MA, KS, IL, SC, GA, DC, VA, TN, NV, MI, MO, TX, HI, CO, AZ, NJ, OR, OH, ID, AR, FL, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2590973
CA Insurance License #: 4370049
NMLS#: 2590973
CA Insurance License #: 4370049
About Kathy Anderson
Kathy brings over 30 years of experience to her role with The Northwest Legacy Group where she enjoys building relationships and providing dedicated service to clients and the team of professionals she supports. Superior service is her goal and Kathy truly enjoys working closely with her team to achieve that end.
Kathy began her career in the financial services industry in 1989 in Seattle has been working to grow her knowledge and resource base since. She joined Morgan Stanley in February of 2003 and holds Series 3, 7, 63 and 66 FINRA registrations as well as Insurance Agent Licenses.
Raised in Missoula, MT, home of her alma mater, The University of Montana (Go Griz!) she currently lives with her husband and daughter on the Kitsap Peninsula and relaxes on the ferry commute to the office. She loves to read and enjoys playing classical piano.
Kathy began her career in the financial services industry in 1989 in Seattle has been working to grow her knowledge and resource base since. She joined Morgan Stanley in February of 2003 and holds Series 3, 7, 63 and 66 FINRA registrations as well as Insurance Agent Licenses.
Raised in Missoula, MT, home of her alma mater, The University of Montana (Go Griz!) she currently lives with her husband and daughter on the Kitsap Peninsula and relaxes on the ferry commute to the office. She loves to read and enjoys playing classical piano.
About Kelly Bowers
Kelly Bowers, Group Director, started her financial services career in 1998. Prior to joining The Northwest Legacy Group, she was part of a Private Wealth Management Team at Merrill Lynch supporting clients in her role as a Private Wealth Management Specialist. She served as a liaison between clients, team members, and firm specialists to help clients navigate complex issues. Kelly graduated from Whitworth University with a degree in Business Administration with an emphasis in Business Management. She spent much of her career in Management at Morgan Stanley and its predecessors. Kelly excels at building strong client relationships and strives to create an unparalleled client experience.
Kelly lives in Bellevue with her husband and two sons. In her spare time, she enjoys trips to the zoo and attending her son’s soccer and baseball games. She also enjoys time spent at the family lake cabin boating, water skiing and hiking. Kelly holds the Series 6, 7, 9, 10, 63 and 66 FINRA registrations.
Kelly lives in Bellevue with her husband and two sons. In her spare time, she enjoys trips to the zoo and attending her son’s soccer and baseball games. She also enjoys time spent at the family lake cabin boating, water skiing and hiking. Kelly holds the Series 6, 7, 9, 10, 63 and 66 FINRA registrations.
About Natalie Heathman
Natalie joins the Northwest Legacy Group after starting her Wealth Management career with Morgan Stanley as a Washington Market Branch Administrator. She is committed to delivering a friendly and attentive client service experience while utilizing her excellent attention to detail and ability to anticipate client needs. Natalie graduated from Washington State University Carson College of Business with a degree in Hospitality Business Management. Natalie is looking forward to using her unique skill set to build and maintain client relationships.
Born and raised in the Greater Seattle Area, Natalie currently resides in Bothell. In her spare time, she enjoys traveling, going to her yoga and pilates studios, training at the gym, reading, taking long walks outdoors, and spending time with her family, friends, and Mini Aussie Doodle, Loui.
Born and raised in the Greater Seattle Area, Natalie currently resides in Bothell. In her spare time, she enjoys traveling, going to her yoga and pilates studios, training at the gym, reading, taking long walks outdoors, and spending time with her family, friends, and Mini Aussie Doodle, Loui.
Contact Charlie Galante
Contact Ty Smith
Contact Nick McCarty
Contact Spencer J. O'Brien
Contact Christian Sailer
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Ready to start a conversation? Contact The Northwest Legacy Group today.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan 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.
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 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.
5Morgan 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.
6When 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.
7Morgan 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.
8Morgan 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.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan 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.
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 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.
5Morgan 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.
6When 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.
7Morgan 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.
8Morgan 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.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
