Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(305) 376-8533(305) 376-8533
The O'Neil/Miller Group at Morgan Stanley
Direct:
(305) 376-8568(305) 376-8568
Our Mission Statement
Combining the resources of a global financial leader with experience, intellectual capital and a dedicated team to help you meet your specific financial and life goals.
Our Story and Services
With over 86 years of collective experience in wealth management, the O’Neil Miller Group at Morgan Stanley is professionally positioned to help our clients achieve their wealth management goals through prudent advice, sound investment management, and meticulous client service.
By becoming familiar with our clients’ needs and lifestyles, we design and implement a wealth management strategy that is personalized to meeting their financial goals.
Our mission has been to build close, collaborative, and enduring relationships with our clients. We are humbled that many of these relationships have spanned over several decades and multiple generations.
By becoming familiar with our clients’ needs and lifestyles, we design and implement a wealth management strategy that is personalized to meeting their financial goals.
Our mission has been to build close, collaborative, and enduring relationships with our clients. We are humbled that many of these relationships have spanned over several decades and multiple generations.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
MS Digital Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
Morgan Stanley Online & MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity.
Features Include:
eAuthorizations: an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
eDelivery: reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
Managing your everyday finances such as paying bills online, sending money or transferring funds.
Morgan Stanley Online & MS MobileFeatures Include:
eAuthorizations: an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
eDelivery: reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
Managing your everyday finances such as paying bills online, sending money or transferring funds.
Our Approach
As the financial world becomes more complex and investment choices multiply, careful planning becomes even more important to helping you achieve your financial goals. As your team of Financial Advisors, our role is to help you develop a strategy that lays out a clear path to a successful financial future and empowers you to make more informed, confident decisions in the face of the market’s ups and downs. The following four steps were developed to achieve that goal:
1. Setting Your Financial Objectives
Through a process of discovery and discussion, we will ask a series of detailed questions to understand and articulate your specific financial goals. Together, we’ll examine your current and future liabilities, income sources and cash flow needs, while considering critical factors that may influence your overall strategy. These will include your tolerance for risk, tax concerns, liquidity needs and time horizon.
2 Creating Your Strategy
From this ongoing dialogue, we’ll analyze your current situation and begin to develop a detailed action plan with recommendations to help you effectively build, protect and transfer your wealth. This analysis will serve as the foundation for building your initial plan, as well as future wealth management decisions.
3. Implementing Your Strategy
Once we’ve discussed and refined your strategy, we will begin to execute your investment plan. In this step, we may also recommend several wealth management strategies to help preserve your assets, while positioning them to pass to loved ones and personal charitable interests. These strategies may encompass cash flow management strategies, risk management strategies, as well as estate, trust and philanthropic services.
4. Reviewing Objectives and Performance
After we put your wealth management plan into action, we’ll set up a variety of tools to help ensure you have immediate access to your account information. And because markets and personal needs evolve over time, we’ll set up regular, ongoing meetings to help ensure your plan remains on schedule to achieve your specific financial goals.
1. Setting Your Financial Objectives
Through a process of discovery and discussion, we will ask a series of detailed questions to understand and articulate your specific financial goals. Together, we’ll examine your current and future liabilities, income sources and cash flow needs, while considering critical factors that may influence your overall strategy. These will include your tolerance for risk, tax concerns, liquidity needs and time horizon.
2 Creating Your Strategy
From this ongoing dialogue, we’ll analyze your current situation and begin to develop a detailed action plan with recommendations to help you effectively build, protect and transfer your wealth. This analysis will serve as the foundation for building your initial plan, as well as future wealth management decisions.
3. Implementing Your Strategy
Once we’ve discussed and refined your strategy, we will begin to execute your investment plan. In this step, we may also recommend several wealth management strategies to help preserve your assets, while positioning them to pass to loved ones and personal charitable interests. These strategies may encompass cash flow management strategies, risk management strategies, as well as estate, trust and philanthropic services.
4. Reviewing Objectives and Performance
After we put your wealth management plan into action, we’ll set up a variety of tools to help ensure you have immediate access to your account information. And because markets and personal needs evolve over time, we’ll set up regular, ongoing meetings to help ensure your plan remains on schedule to achieve your specific financial goals.
Upcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
Online
Additional Replays
Location
200 S Biscayne Blvd
Ste 1100
Miami, FL 33131
US
Direct:
(305) 376-8568(305) 376-8568
Meet The O'Neil/Miller Group
Owen O'Neil
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(305) 376-8568(305) 376-8568
Carmen Lugo
Assistant Vice President, Wealth Management Associate
Phone:
(305) 376-8584(305) 376-8584
Kathryn Gallagher
Senior Client Service Associate
Phone:
(305) 376-8591(305) 376-8591
About Jeffrey S. Miller
A Senior Vice President & Portfolio Management Director, Jeffrey S. Miller, has over 36 years of experience devoted to the investment management business. Success in a world of rapid change with serious challenges, financial and otherwise, demands his dedication and persistence. His deep knowledge of the markets allows him to be a resilient and professional guide. As an advisor, he takes pride in understanding peoples' immediate and long-term needs by building lasting relationships with clients and their families.
Jeffrey is an alumnus of Villanova University with a Bachelor's degree in Business/Finance. After graduating, he started his career in 1985 with Kidder Peabody & Co. in Northeastern Pennsylvania before relocating to Miami, Florida, to join Smith Barney/Morgan Stanley in 1990. Jeffrey's dedication and diligence over his long career have earned him several top recognitions. He has been named to the President's Council (1994-2011), Master's Council (2012-present), Senior Vice President (1990-present), and Portfolio Manager Director (2019-present). Most recently, the firm honored Jeff for his 30 years of dedication to his clients. This accolade shows his emphasis on not just taking care of his clients in their earning years or retirement years, but down through the next generations.
Jeffrey and his wife, Karen, live in Miami Beach, Florida. Married for over 24 years, they have two children: Blake, a senior in college, and Samantha, a freshman in college. Jeff enjoys time with his family, traveling, and exercising. His philosophy in business, a thread of continuity in one's life, helps give it meaning, overflows into his personal life, and encourages his own family in philanthropic work, especially with getting involved with local underserved children.
Jeffrey is an alumnus of Villanova University with a Bachelor's degree in Business/Finance. After graduating, he started his career in 1985 with Kidder Peabody & Co. in Northeastern Pennsylvania before relocating to Miami, Florida, to join Smith Barney/Morgan Stanley in 1990. Jeffrey's dedication and diligence over his long career have earned him several top recognitions. He has been named to the President's Council (1994-2011), Master's Council (2012-present), Senior Vice President (1990-present), and Portfolio Manager Director (2019-present). Most recently, the firm honored Jeff for his 30 years of dedication to his clients. This accolade shows his emphasis on not just taking care of his clients in their earning years or retirement years, but down through the next generations.
Jeffrey and his wife, Karen, live in Miami Beach, Florida. Married for over 24 years, they have two children: Blake, a senior in college, and Samantha, a freshman in college. Jeff enjoys time with his family, traveling, and exercising. His philosophy in business, a thread of continuity in one's life, helps give it meaning, overflows into his personal life, and encourages his own family in philanthropic work, especially with getting involved with local underserved children.
Securities Agent: AZ, NM, MO, WA, DC, UT, MN, MI, MA, CO, VA, PR, MD, ID, OH, CA, TN, NJ, MT, HI, GA, FL, TX, SC, NY, NC, CT, OR, IN, DE, PA, ME, KS, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1288297
NMLS#: 1288297
About Owen O'Neil
Owen joined the firm in 2014 and spent two years at the Consulting Group Portfolio Management division, which oversees $1.25 trillion in assets. He joined the team in 2016 and shares responsibility in the group’s goal of helping their clients meet financial security. Such responsibilities include evaluating portfolios, making regular contact with the clients via in person, on the phone, and through periodic emails. Owen graduated Stonehill College with a degree in Economics and currently holds his Series 7 and 66.
Owen lives with his wife Olga in Miami Shores. In his spare time he enjoys traveling, hiking, cooking, and photography.
Owen lives with his wife Olga in Miami Shores. In his spare time he enjoys traveling, hiking, cooking, and photography.
Securities Agent: HI, WA, VA, UT, TX, TN, SC, PR, PA, OR, OH, NY, NV, NM, NJ, NH, NC, MO, MN, MI, ME, MD, MA, KS, IN, IL, ID, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1648253
NMLS#: 1648253
About Carmen Lugo
Carmen is deeply committed to understanding each client’s unique needs and leveraging their wealth to support those needs. She believes wealth is a tool to achieve specific goals and fulfill personal aspirations, ensuring that cash flow aligns with the client’s broader vision. With her extensive operational knowledge and exceptional interpersonal skills, Carmen is an indispensable member of the team. Her enthusiasm for building lasting client relationships and guiding clients through the growth, preservation, and generational transfer of their wealth is unparalleled.
Bringing over 30 years of industry experience, Carmen began her career on Wall Street in 1985. She gained comprehensive expertise working across various segments, including mutual funds, dividends and interest, DTC settlements, and Corporate Bond Trading Desk at CS First Boston, where she reconciled traders’ inventory books and settled trades with counterpart brokers. In 2001, Carmen joined the O'Neil Miller Group at Morgan Stanley in Miami, further solidifying her role in the financial services industry.
Carmen graduated summa cum laude from Barry University with a degree in Business Administration and a certification in Human Resources. She also holds Series 7, 63, and 65 licenses.
Outside the office, Carmen treasures her close relationship with her mother and two adult daughters. She enjoys traveling, reading, and learning. True to her nature, Carmen is often found lending a hand to friends, neighbors, and her community whenever the need arises.
Bringing over 30 years of industry experience, Carmen began her career on Wall Street in 1985. She gained comprehensive expertise working across various segments, including mutual funds, dividends and interest, DTC settlements, and Corporate Bond Trading Desk at CS First Boston, where she reconciled traders’ inventory books and settled trades with counterpart brokers. In 2001, Carmen joined the O'Neil Miller Group at Morgan Stanley in Miami, further solidifying her role in the financial services industry.
Carmen graduated summa cum laude from Barry University with a degree in Business Administration and a certification in Human Resources. She also holds Series 7, 63, and 65 licenses.
Outside the office, Carmen treasures her close relationship with her mother and two adult daughters. She enjoys traveling, reading, and learning. True to her nature, Carmen is often found lending a hand to friends, neighbors, and her community whenever the need arises.
About Kathryn Gallagher
Kathryn, a New England native, is a graduate of Franklin Pierce University with a degree in Business Management. In 1995, Kathryn relocated to Miami and joined Morgan Stanley, where she has held different roles, giving her a well-rounded knowledge and experience of the intricacies of our industry. Her diverse exposure has given her the tools to forge meaningful relationships with clients, as she assists them, together with the team, in their financial journey. Kathryn is passionate about giving back to our local communities. She actively participates in organizing our annual backpack and school supply drive, as well as our holiday gift drive for children in foster care. Additionally, she plays a key role during the firm’s volunteer month, coordinating an event each year at a local women’s shelter. A former New Englander, Kathryn now resides in Coconut Grove with her rescue dogs and cats. She enjoys spending time traveling, gardening, and reading.
Contact Jeffrey S. Miller
Contact Owen O'Neil
Wealth Management
Global Investment Office
Portfolio Insights
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
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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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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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
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
Ready to start a conversation? Contact The O'Neil/Miller Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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)