Barry E Numerick, CFP®
Senior Vice President, Financial Advisor, Senior Investment Management Consultant
Phone:
(412) 380-8036(412) 380-8036
The Numerick Kuechler Bach Group at Morgan Stanley
Direct:
(412) 373-3100(412) 373-3100
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.
Named to the Forbes Best-In-State Wealth Management Teams 2025
- Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Cash ManagementFootnote4
- Estate Planning StrategiesFootnote5
- Executive Financial ServicesFootnote6
- Planning for Education FundingFootnote7
- Planning for Individuals with Special Needs and their Families
- Alternative InvestmentsFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Creating Your Plan
To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with your financial concerns and your long-term goals.
Our four step process was developed to help you achieve that goal:
Our four step process was developed to help you achieve that goal:
1. Setting Your Financial Objectives
Through a process of discovery and discussion, we will work with you to articulate your wealth goals. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, the team will look for potential gaps that may exist between your goals, and develop sound strategies to help clear the path.
2. Creating Your Strategy
Working from our understanding of you and your objectives, we will propose a financial plan that contains specific strategies designed to help meet those goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio.
3. Implementing Your Strategy
After discussing and refining your strategy, we will work closely with you to bring the elements to life. Planning is a vital part of our process. Using tools to actively monitor your plans progress, making sure you are on track to meet your financial goals and objectives. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever the approach may be, the team will help you keep your strategy on track.
4. Reviewing Objectives & Performance
We view ongoing communications as the foundation of our successful collaboration with you. We will make every effort to stay aware of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request when circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.
MORGAN STANLEY PROVIDES A SUITE OF DIGITAL TOOLS TO HELP YOU IN YOUR FINANCIAL JOURNEY
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Click Here to Learn MoreA Plan Tailor-Made for You
Our wealth management process begins with you and your family. Holistic in our approach, we encompass all the elements of your financial life, your investments, your cash management needs and then align them with your goals for life.
We understand that the goals you set today will evolve over time. Your customized plan with evolve with it and the ever changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources provided at Morgan Stanley, we can help you take charge of your financial future and achieve your goals. .
We understand that the goals you set today will evolve over time. Your customized plan with evolve with it and the ever changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources provided at Morgan Stanley, we can help you take charge of your financial future and achieve your goals. .
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Estate Planning Fundamentals
Building a proper estate plan is an important step toward ensuring that your legacy is passed down on your terms. Here are some essentials to keep in mind.
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Diversification Strategies for Public Company Executives
Public company executives who receive equity may face concentration risk. Discover seven ways they may be able to diversify.
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How to Simplify Your Life Through Financial Consolidation
Suffering from “account sprawl” because your various accounts are housed at many different financial institutions? New account options can help.
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What Kind of Retiree Do You Want to Be?
Everyone has a different idea of their dream retirement. Whatever you envision, it’s essential to plan ahead so that your nest egg will last.
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Retirement Plan Options When You Leave a Job
You have several choices for what to do with your qualified retirement plan when you leave a job. Deciding among them is an important step in managing your retirement savings over time.
Learn MoreInvestor Resources
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the world of business and finance not only now, but in the future as well.
Monthly Insights: Protecting Yourself From Tax Season Scams
While you’re busy gathering your paperwork for tax season, cybercriminals are devising schemes to steal your identity and money. Know how to protect yourself and your loved ones.
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Private Markets
Many of today’s companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.
Morgan Stanley Private Markets
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.
On The Markets Research Report
Global Investment Committee Weekly Research Report
The Global Investment Committee's Weekly Report provides an in depth look at markets, asset class performance and fixed income on a weekly basis.
GIC Weekly Research ReportLocation
1 Monroeville Center
Suite 1010
Monroeville, PA 15146
US
Direct:
(412) 373-3100(412) 373-3100
Meet The Numerick Kuechler Bach Group
Laura Kuechler, CFP®
Associate Vice President, Financial Advisor
Phone:
(412) 380-8035(412) 380-8035
Zachary Bach
Financial Advisor
Phone:
(412) 380-8033(412) 380-8033
Elizabeth Connors
Client Service Associate
Phone:
(412) 380-8037(412) 380-8037
About Barry E Numerick
Barry Numerick has been in the financial services industry for over 43 years and has been with Morgan Stanley and its predecessor firms since 1982. Barry prides himself on his ability to cut through the jargon of investing and help his clients understand what really matters to them, their families and their future. He understands that many of his clients don’t have the time or inclination to manage their financial lives and need for a trusted professional team for guidance. Additionally, his team focuses on portfolio design, discretionary portfolio management strategies, and manager selection.
Barry is a Certified Portfolio Manager in addition to being a Certified Financial Planner for more than 25 years. On top of his certifications, Barry has been named to the Forbes Magazine “Best in State” Financial Advisors 2023 List Pennsylvania, and is a Pittsburgh Magazine Five-Star Wealth Manager.
Barry earned his Bachelor’s and Master’s degrees from the Juilliard School in New York City. In his spare time he still indulges that passion as a member of the board of directors of the Westmoreland Symphony Orchestra, where he has served for over ten years. In the past, he was also the principal clarinetist for this symphony. In his spare time he enjoys classical music and studying aviation history, another lifelong interest. He is an avid model builder and has won awards throughout the country and in Europe. He and his wife, Jo Ellen, have been residents of Greensburg, PA for more than 20 years.
Five Star Wealth Advisor
This award was issued on 2012 based on the evaluation process below. This evaluation was not based on a specific time period, but was conducted by Five Star Professional (FSP) that considered, among other factors, the following:.
Favorable regulatory and complaint history review. As defined by FSP, the wealth manager has not: 1.) Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; 2.) Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed, or denied complaints with any regulatory authority or FSP’s consumer complaint process..
Personal bankruptcy filing within the past 11 years.
Termination from a financial services firm within the past 11 years.
Conviction of a felony.
One-year client retention rate.
Five-year client retention rate.
Five Star Professional, as a third party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.
For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC
Source: Forbes.com (April 2023) Forbes America’s Top Wealth Advisors and Best-In- State Wealth
Advisors rankings awarded in 2023. This ranking was determined based on an evaluation process
conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher)
during the period from 6/30/21 - 6/30/22. Neither Morgan Stanley Smith Barney LLC nor its Financial
Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its rankings. This
ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively,
a major component of a ranking algorithm that includes client retention, industry experience, review of
compliance records, firm nominations, and quantitative criteria, including assets under management and
revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the
opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s
experience; investors must carefully choose the right Financial Advisor or team for their own situation and
perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future
performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For
more information, see www.SHOOKresearch.com.
Barry is a Certified Portfolio Manager in addition to being a Certified Financial Planner for more than 25 years. On top of his certifications, Barry has been named to the Forbes Magazine “Best in State” Financial Advisors 2023 List Pennsylvania, and is a Pittsburgh Magazine Five-Star Wealth Manager.
Barry earned his Bachelor’s and Master’s degrees from the Juilliard School in New York City. In his spare time he still indulges that passion as a member of the board of directors of the Westmoreland Symphony Orchestra, where he has served for over ten years. In the past, he was also the principal clarinetist for this symphony. In his spare time he enjoys classical music and studying aviation history, another lifelong interest. He is an avid model builder and has won awards throughout the country and in Europe. He and his wife, Jo Ellen, have been residents of Greensburg, PA for more than 20 years.
Five Star Wealth Advisor
This award was issued on 2012 based on the evaluation process below. This evaluation was not based on a specific time period, but was conducted by Five Star Professional (FSP) that considered, among other factors, the following:.
Favorable regulatory and complaint history review. As defined by FSP, the wealth manager has not: 1.) Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; 2.) Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed, or denied complaints with any regulatory authority or FSP’s consumer complaint process..
Personal bankruptcy filing within the past 11 years.
Termination from a financial services firm within the past 11 years.
Conviction of a felony.
One-year client retention rate.
Five-year client retention rate.
Five Star Professional, as a third party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.
For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC
Source: Forbes.com (April 2023) Forbes America’s Top Wealth Advisors and Best-In- State Wealth
Advisors rankings awarded in 2023. This ranking was determined based on an evaluation process
conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher)
during the period from 6/30/21 - 6/30/22. Neither Morgan Stanley Smith Barney LLC nor its Financial
Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its rankings. This
ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively,
a major component of a ranking algorithm that includes client retention, industry experience, review of
compliance records, firm nominations, and quantitative criteria, including assets under management and
revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the
opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s
experience; investors must carefully choose the right Financial Advisor or team for their own situation and
perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future
performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For
more information, see www.SHOOKresearch.com.
Securities Agent: IN, MI, MD, KY, IA, PA, NC, FL, DC, CO, SC, NM, NJ, OH, NV, WV, WA, VA, CA, NY, GA, NE, MA, AZ, TX, RI, OR; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1435727
NMLS#: 1435727
About Laura Kuechler
Laura Kuechler, CFP is a Financial Advisor at Morgan Stanley, based in the Monroeville office. With more than 35 years in the investment industry, Laura works with individual investors, retirement plans, and nonprofit organizations.
Laura’s career began in 1982 and she has been with Morgan Stanley and its predecessor firms since 1985.
Laura graduated with a B.A. degree in Economics from Indiana University of Pennsylvania, and obtained her Certified Financial Planner designation from the Certified Financial Planner Board of Standards. Laura currently resides in Franklin Park with her husband and three dogs. Her daughter, Andrea, is a full time student at Kent State University in Ohio. Laura is a board member of the Lutheran Senior Life Foundation and serves on the board of the Franklin Park Recreation Board. She is also active in her church.
Laura’s career began in 1982 and she has been with Morgan Stanley and its predecessor firms since 1985.
Laura graduated with a B.A. degree in Economics from Indiana University of Pennsylvania, and obtained her Certified Financial Planner designation from the Certified Financial Planner Board of Standards. Laura currently resides in Franklin Park with her husband and three dogs. Her daughter, Andrea, is a full time student at Kent State University in Ohio. Laura is a board member of the Lutheran Senior Life Foundation and serves on the board of the Franklin Park Recreation Board. She is also active in her church.
Securities Agent: MD, NE, MI, KY, TX, NM, MA, FL, CA, CO, GA, RI, NJ, VA, NV, IA, DC, AZ, WV, OR, OH, NY, NC, IN, WA, PA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2516074
NMLS#: 2516074
About Zachary Bach
Zach is a Financial Advisor and Financial Planning Specialist with the Numerick Kuechler Group at Morgan Stanley. Zach prides himself on leveraging his comprehensive industry background to help solve complex problems for clients which assist them in achieving their goals.
Prior to joining the Numerick Kuechler Group, Zach spent 14 years with Morgan Stanley’s Consulting Group. During that tenure, he was a Program Manager, overseeing the development and implementation of the Consulting Group Advisor (CGA) investment platform, as well as serving as the Advisory Director for Ohio, Western and Central Pennsylvania. Zach grew up in suburbs of New York and holds a bachelor’s in business administration from Iona College in New Rochelle. He currently resides in Greensburg with his wife and two daughters. Outside of work he and his family enjoy spending time biking and hiking in the Laurel Highlands
Prior to joining the Numerick Kuechler Group, Zach spent 14 years with Morgan Stanley’s Consulting Group. During that tenure, he was a Program Manager, overseeing the development and implementation of the Consulting Group Advisor (CGA) investment platform, as well as serving as the Advisory Director for Ohio, Western and Central Pennsylvania. Zach grew up in suburbs of New York and holds a bachelor’s in business administration from Iona College in New Rochelle. He currently resides in Greensburg with his wife and two daughters. Outside of work he and his family enjoy spending time biking and hiking in the Laurel Highlands
Securities Agent: WI, SD, MS, IN, FL, TN, ND, ID, AL, NV, NE, LA, IA, AZ, VI, NJ, NC, MN, KS, HI, DC, UT, OH, IL, DE, CA, PA, AR, WA, VA, NY, NM, MO, ME, WY, WV, PR, OK, NH, MA, KY, AK, VT, OR, MT, MI, GA, CO, TX, SC, RI, MD, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 2605347
NMLS#: 2605347
Contact Barry E Numerick
Contact Laura Kuechler
Contact Zachary Bach
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Tyson Abert
Senior Private Banker
Joshua Gilbert
Private Banker
Mamta Shah
Trust Specialist
Andrew Ghimpeteanu
Planning Associate
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
About Joshua Gilbert
Joshua Gilbert is a Private Banker serving Morgan Stanley’s Wealth Management offices in Ohio.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
NMLS#: 427087
About Mamta Shah
Mamta Shah is the Trust Specialist based in Chicago, covering the Midwest Region. Morgan Stanley provides a full array of personal and institutional trust services to high net worth clients of the firm. Mamta’s responsibilities include educating Financial Advisors and their clients on the open architecture trust service model and helping them identify opportunities to leverage the trust partners on the platform.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
About Andrew Ghimpeteanu
Andrew Ghimpeteanu is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Andrew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Bentley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Atlanta, GA and currently resides in Alpharetta, GA.
He earned his undergraduate degree from Bentley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Atlanta, GA and currently resides in Alpharetta, GA.
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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
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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
Are You Prepared for Tax Day?
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Numerick Kuechler Bach 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 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.
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.
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Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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6Morgan 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.
7When 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.
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.
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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 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.
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 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
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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.
7When 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.
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.
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Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
