Senior Vice President, Wealth Management, Wealth Advisor, Senior Investment Management Consultant, Certified Private Wealth Advisor®
Phone:
(904) 632-0268(904) 632-0268
The O'Brien and Genovese Group at Morgan Stanley
Direct:
(904) 632-0200(904) 632-0200
Our Mission Statement
Guiding you on the path towards reaching your goals with an individualized approach that addresses life's unexpected challenges and transitions.
Welcome
Our vision is to be the premier wealth management team renowned for delivering personalized financial solutions that empower our clients to achieve their long-term goals with confidence and peace of mind.
We are committed to fostering relationships built on integrity and trust, ensuring that our clients know we prioritize their best interests in every decision.
Through continuous learning and collaboration, we aim to stay at the forefront of industry knowledge and innovative strategies, offering our clients individualized financial guidance.
We are committed to fostering relationships built on integrity and trust, ensuring that our clients know we prioritize their best interests in every decision.
Through continuous learning and collaboration, we aim to stay at the forefront of industry knowledge and innovative strategies, offering our clients individualized financial guidance.
Services Include
- Cash ManagementFootnote1
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Cash Management and Lending ProductsFootnote4
- Life InsuranceFootnote5
- Long-term Care InsuranceFootnote6
- Planning for Education FundingFootnote7
- Retirement PlanningFootnote8
- Structured ProductsFootnote9
- Wealth PlanningFootnote10
- Wealth ManagementFootnote11
- Alternative InvestmentsFootnote12
- Executive Financial ServicesFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How We Can Help
The process focuses on you, your family, and your career - where you are today, where you want to be tomorrow, and strategies when you or the market pivot. Working together, we develop the strategies to achieve and navigate life's challenges, and to help you make more informed wealth decisions
Goal Setting
We begin with an in-depth conversation identifying what is important to you, your family, and your legacy. By learning your values, your decision-making process, and identifying any foreseen or unforeseen circumstances that will further enhance or adversely affect you, your family, and your legacy, we are better able to develop and implement a strategy best suited to your financial goals. Lastly, we collect important financial information and identify your top priorities.
Strategy Development
Next, we conduct a detailed financial analysis using industry standard techniques, further enhanced with proprietary planning and risk analysis tools. The developed financial plan with detailed recommendations will help guide you build, preserve, protect, and transfer your wealth. This analysis serves as the foundation for your initial plan, as well as a basis for future wealth management decisions.
Financial Plan Presentation
A detailed plan presentation includes, but is not limited to asset allocation, investment strategies, estate planning, federal and state tax minimization strategies, complex issue recommendation and an in-depth conversation. If we need to redefine any of the strategies, a subsequent meeting is held. Once we agree to the plan in its entirety, we can then identify specific investments and set up our dialogue going forward.
Implementation
Upon your approval, we'll begin to implement the strategies outlined in your plan. Once your assets have been transferred to Morgan Stanley, we review the details of your new statement, introduction to all the new tools and resources available to you. There is a learning curve, and we are available to you work with you and for you.
First Class Service
We are committed to delivering first-class service that emphasizes ongoing communication through face-to-face meetings throughout the year and phone calls when you need guidance.
Resource Center
Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash† offer with flexible options and more ways to save.
Alternative Investments
Venturing beyond traditional stocks and bonds may provide unique opportunities for your portfolio.
Estate Planning
A well-crafted estate plan helps to secure your legacy and supports a smooth transition for your heirs.
Education Planning
Preparing for your family's education expenses is an investment in their future success. Learn more about 529 Plans and other ways to fund education costs.
Retirement Planning
We can assist you in navigating the ups and downs on your path to retirement, helping you stay on course.
Executive Services
Working with executives like you every single day, we understand the complexities of executive compensation and the challenges you face.
Digital Toolkit
Morgan Stanley Online
The Morgan Stanley Online (MSO) platform is a flexible way to manage your account and explore the firm's suite of digital capabilities, no matter where you are. Sign up to access your account details at the click of a button.
Total Wealth View
Giving your advisor a holistic picture of your financial profile will benefit you through more comprehensive financial planning. Easily link your external accounts by signing into Morgan Stanley Online or downloading the Morgan Stanley Mobile App.
Digital Vault
We prioritize ensuring that your information is protected. Digital Vault allows you to transfer documents and build a file library, all secured by the power of encryption. Access Digital Vault through Morgan Stanley Online or the Morgan Stanley Mobile App.
Cybersecurity Center
You play a role in protecting yourself and your loved ones from hacking and scams that occur on the web. Explore our cybersecurity resources for best practices on how to safeguard your assets and identity.
Location
50 N. Laura St
Ste 2000
Jacksonville, FL 32202
US
Direct:
(904) 632-0200(904) 632-0200
Meet The O'Brien and Genovese Group
About Peter O'Brien
Peter has always been an active participant in his professional field and his community. In his early career he lectured in various banking and financial subjects at the City of London Polytechnic and the City University, and he has enjoyed delivering presentations on the European sovereign debt crisis, Brexit, and developments in the European economy to various groups of clients and professional organizations. Peter has been heavily involved in the activities of the Investments and Wealth Institute for many years, and he has assisted them with the preparation and testing of the professional exam programs for their prestigious Investment Management Consultant and Certified Private Wealth Advisor designations. He was also a long-standing member of the Editorial Advisory Board of the “Investments and Wealth Monitor’, an influential investment management industry publication. He has also enjoyed coaching and mentoring rising Morgan Stanley financial advisors both locally and nationally.
He has served on numerous boards within the northeast Florida community, including the Jacksonville Community Council (“JCCI), the Cathedral Arts Project, Opera Jax, and Palmer Catholic Academy. He especially enjoyed his work on the Board of Operation New Hope, a nationally-recognized leader in re-entry programs for the formerly incarcerated, on which he served for six years, two as Board Chairman. He has helped numerous high school students as a mentor for many years through the Take Stock in Children program, and he has volunteered extensively with numerous other non-profits in various local activities including the Breast Cancer Marathon and fundraisers for the Community Hospice foundation. He is a graduate of the Leadership Jacksonville class of 2015 and continues to help that organization with candidate selection and their various program days.
Peter is a highly qualified soccer coach and referee, and he is a passionate Manchester United fan. He calculates that he has seen them play more than one thousand games! Born in Saint Louis, he has never wavered in his lifelong devotion to the Cardinals. He is a voracious reader and enjoys keeping fit through yoga, swimming and regular workouts. He completed his first marathon in 2010 and followed that with numerous half-marathons and 5K’s. He also enjoys the theatre, world travel and writing. He is a mid-handicap golfer and tries to relish the challenge of playing his home course at Sawgrass Country Club in all conditions.
Peter and his wife live in Ponte Vedra Beach where they are active parishioners at Our Lady Star of the Sea Catholic Church. They have three adult children and a growing number of equally adored grandchildren.
He has served on numerous boards within the northeast Florida community, including the Jacksonville Community Council (“JCCI), the Cathedral Arts Project, Opera Jax, and Palmer Catholic Academy. He especially enjoyed his work on the Board of Operation New Hope, a nationally-recognized leader in re-entry programs for the formerly incarcerated, on which he served for six years, two as Board Chairman. He has helped numerous high school students as a mentor for many years through the Take Stock in Children program, and he has volunteered extensively with numerous other non-profits in various local activities including the Breast Cancer Marathon and fundraisers for the Community Hospice foundation. He is a graduate of the Leadership Jacksonville class of 2015 and continues to help that organization with candidate selection and their various program days.
Peter is a highly qualified soccer coach and referee, and he is a passionate Manchester United fan. He calculates that he has seen them play more than one thousand games! Born in Saint Louis, he has never wavered in his lifelong devotion to the Cardinals. He is a voracious reader and enjoys keeping fit through yoga, swimming and regular workouts. He completed his first marathon in 2010 and followed that with numerous half-marathons and 5K’s. He also enjoys the theatre, world travel and writing. He is a mid-handicap golfer and tries to relish the challenge of playing his home course at Sawgrass Country Club in all conditions.
Peter and his wife live in Ponte Vedra Beach where they are active parishioners at Our Lady Star of the Sea Catholic Church. They have three adult children and a growing number of equally adored grandchildren.
Securities Agent: DC, NJ, LA, WA, NY, NM, RI, MI, MO, GA, AZ, WI, VT, UT, PA, IL, HI, CT, AL, MD, SC, NC, MA, FL, CA, TX, OR, NH, VA, DE, CO, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285211
CA Insurance License #: OH37624
NMLS#: 1285211
CA Insurance License #: OH37624
About John Genovese
John is a Financial Advisor with 14 years of experience in Wealth Management at Morgan Stanley and previously at Merrill Lynch & Co and Bank of America. John has worked with a range of High Net Worth (HNW) and Ultra High Net Worth (UHNW) individuals, their families, and their businesses. John seeks to create customized investment strategies including Alternative Investments, tailored lending, and cash management to assist his clients in achieving important financial goals.
John also assists with NextGen education, planning and support so that our younger clients can benefit from their parent’s success while apply it in ways important to them and their future goals & objectives.
John and his wife, Jen, have 3 kids – Emma, Sam and John – that are each active with school and sports in the Amelia Island area. When John can, he volunteers for local charity organizations and various youth sports programs.
John is a graduate of the University of New Mexico and enjoys playing golf with his three children, walking his dogs – Lulu and Bear - and spending quiet time on the beach in Amelia Island with his wife, Jen.
John also assists with NextGen education, planning and support so that our younger clients can benefit from their parent’s success while apply it in ways important to them and their future goals & objectives.
John and his wife, Jen, have 3 kids – Emma, Sam and John – that are each active with school and sports in the Amelia Island area. When John can, he volunteers for local charity organizations and various youth sports programs.
John is a graduate of the University of New Mexico and enjoys playing golf with his three children, walking his dogs – Lulu and Bear - and spending quiet time on the beach in Amelia Island with his wife, Jen.
Securities Agent: DC, MD, IL, LA, AL, SC, NV, NJ, NH, MO, OH, GA, WI, MA, DE, CT, CA, WA, NY, NM, NC, HI, WY, UT, TX, RI, OR, FL, VT, VA, PA, CO, AZ, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 905423
NMLS#: 905423
Contact Peter O'Brien
Contact John Genovese
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
Robert Mickler
Private Banker
Alexandra Diez
Planning Associate
About Robert Mickler
Robert Mickler is a Private Banker serving Morgan Stanley Wealth Management offices in Florida and Georgia.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
NMLS#: 863115
About Alexandra Diez
Alexandra Diez 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, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Alexandra 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.
She earned her undergraduate degree from Dickinson College and received the Financial Planning Specialist® designation from the College for Financial Planning. Alexandra is originally from Rockville Centre, New York and currently resides in Queens, New York.
She earned her undergraduate degree from Dickinson College and received the Financial Planning Specialist® designation from the College for Financial Planning. Alexandra is originally from Rockville Centre, New York and currently resides in Queens, New York.
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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 O'Brien and Genovese 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 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8When 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
12Alternative 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.
13Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8When 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
12Alternative 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.
13Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)