Phone:
(516) 683-3131(516) 683-3131
The Ohl/Altman Group at Morgan Stanley
Direct:
(516) 248-2200(516) 248-2200
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
The Altman Ohl Group at Morgan Stanley
Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces.
And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals. As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue. Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you.
And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals. As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue. Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you.
Services Include
- 401(k) Rollovers
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Retirement PlanningFootnote4
- Life InsuranceFootnote5
- Long Term Care InsuranceFootnote6
- AnnuitiesFootnote7
- Cash Management and Lending ProductsFootnote8
- Divorce Financial AnalysisFootnote9
- Estate Planning StrategiesFootnote10
- Executive Benefit ServicesFootnote11
- Stock Plan ServicesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take time to understand you, your family and your goals- whether you are planning for retirement, purchasing a new home, or living out your golden years- we consider all of your challenges, goals and aspirations when building your financial future.
Implementing Your Plan
We apply rigorous research and analysis, and also utilize Morgan Stanley's full suite of resources to ensure swift decisive action in all market scenarios.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Measuring Your Success
We check in with you regularly to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and financial well-being
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals
Retirement
Leading up to and through retirement, helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Goals Planning System
Goals Planning System (GPS) is a Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieve their financial goals
Click Here To Learn More
Managing Investments
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Reserved Living and Giving
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving Program. As a reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Reserved offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health& Wellness, Travel, Entertainment and more
Browse the latest offers
Signature Access
Signature Access, the highest tier of Morgan Stanley's complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving
Signature Access Login
Reserved Insights
Curated Insights and articles spanning such topics as Family, Lifestyle, Health & Planning , Travel & Giving Back
Read the latest insightsOUR SUITE OF DIGITAL TOOLS
We want to be the firm where the most talented advisors in the industry utilize cutting-edge technology and provide customized solutions to their clients and their families to help them to achieve their life goals. Our firm strives to ensure it serves clients on leading technology platforms that are smart and flexible.
Morgan Stanley Online
Morgan Stanley Online helps clients with access to their account information, great reporting tools, various cash management solutions and robust market research. The Morgan Stanley Mobile App allows clients to access their accounts in just a few taps.
Learn More About Morgan Stanley Online
Online Security Center
At Morgan Stanley, protecting your assets and confidential information is our highest priority. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Total Wealth View
With full visibility of your assets and
liabilities all in one place, you and your
Morgan Stanley Financial Advisor can
obtain a comprehensive view of your
total wealth
to help you track your goals
or to start planning for your future using
cutting-edge technology.
Learn More About Total Wealth Viewliabilities all in one place, you and your
Morgan Stanley Financial Advisor can
obtain a comprehensive view of your
total wealth
to help you track your goals
or to start planning for your future using
cutting-edge technology.
Digital Vault
Digital Vault allows you to manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Get Started With Digital VaultAll files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
LifeView / Intelligent Planning
LifeView is a suite of planning tools that includes a goal-specific analysis to create a comprehensive and realistic strategy that integrates the various aspects of your financial life, including investments and cash management needs.
To view our questionnaire, click here:THE CFP® PROFESSIONAL - James Altman
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional’s ability in helping clients achieve their goals.
Location
1200 Franklin Avenue 2nd
Fl
Garden City, NY 11530
US
Direct:
(516) 248-2200(516) 248-2200
Meet The Ohl/Altman Group
Phone:
(516) 683-3289(516) 683-3289
Phone:
(516) 227-2865(516) 227-2865
Lisa Jacaruso-Brennan
Portfolio Associate, Client Service Associate
Phone:
(516) 683-3144(516) 683-3144
About Jeffrey Ohl
Jeff is a Senior Vice President and Financial Advisor at Morgan Stanley’s Garden City, NY office. He is a founding partner of Altman/Ohl Group, a team of three investment professionals who develop strategically tailored investment programs, unique to each client’s circumstances and needs. He leverages his vast experience of 37 years and educational background to help identify key opportunities for his clients and to drive a cohesive financial strategy.
Jeff was born and raised in Northport, New York and graduated with honors from Cornell University with a Bachelor Degree in Economics with minor in Business. He began his career on Wall street as a Financial Advisor in 1986. Jeff joined Morgan Stanley in 2009 and has been a Financial Advisor at Morgan Stanley for over thirteen years. His objectives for his clients are to build and preserve their wealth, maintain their lifestyle and develop a legacy they can be proud of. Jeff uses an analytical approach to create solutions that are tailored to his clients’ unique needs. It gives him great satisfaction knowing that he is helping families to build plans to navigate the ups and downs of today’s financial markets.
Jeff resides in Garden City, New York with his beautiful wife Debbie and their son Brendan. He leads very active lifestyle. Jeff is an avid golfer and enjoys travelling, scuba diving and fishing. He loves coaching his son and watching him play his various sports.
Jeff was born and raised in Northport, New York and graduated with honors from Cornell University with a Bachelor Degree in Economics with minor in Business. He began his career on Wall street as a Financial Advisor in 1986. Jeff joined Morgan Stanley in 2009 and has been a Financial Advisor at Morgan Stanley for over thirteen years. His objectives for his clients are to build and preserve their wealth, maintain their lifestyle and develop a legacy they can be proud of. Jeff uses an analytical approach to create solutions that are tailored to his clients’ unique needs. It gives him great satisfaction knowing that he is helping families to build plans to navigate the ups and downs of today’s financial markets.
Jeff resides in Garden City, New York with his beautiful wife Debbie and their son Brendan. He leads very active lifestyle. Jeff is an avid golfer and enjoys travelling, scuba diving and fishing. He loves coaching his son and watching him play his various sports.
Securities Agent: NV, NC, MD, IN, FL, CA, RI, OH, ME, GA, CT, AR, HI, TX, MI, IL, WA, VA, PA, NY, IA, CO, OK, MT, MS, DE, TN, OR, MA, AL, WV, WI, SC, NH, MO, AZ, KY, DC, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1875362
NMLS#: 1875362
About Peter M Altman
Peter is a Senior Vice President and Financial Advisor at Morgan Stanley’s Garden City, NY office. He enjoys working with individuals and families, delivering personalized advice through a disciplined wealth management approach. Peter’s focus is relieving people of their financial stress by helping them navigate through big financial decisions. He is committed to delivering exceptional service as he counsels and advises his clients on retirement planning, investment management and Estate planning. Peter uses a holistic approach to deliver solutions that are tailored to his clients’ needs. Peter has built a successful practice that focuses on creating a supportive environment for clients to share their deepest concerns with someone who genuinely cares about their financial wellbeing.
Peter attended Towson University, earning his Bachelor of Science degree in business with a major in finance. He began his career on Wall Street as a Financial Advisor in 2001 for UBS and joined Morgan Stanley in 2009. Peter has enjoyed more than 20 years working in the financial services industry.
Peter has been married to his wife Laura for 16 years. They grew up together in Rockville Centre and have 3 boys. Peter (PJ) who is 13, Gavin who is 11 and Owen who is 9. He loves spending time with his family or watching his kids play football, basketball and lacrosse. When not on a sports field or basketball court, they all love relaxing at the beach together or playing golf as a family.
Peter is very involved in youth basketball in Rockville Centre where he volunteers his time to help over 1000 boys and girls participate in the league. He is also the President of The Brooklyn Benevolent Society which provides scholarship money for education within the NYC tri-state area. It is one of the oldest not for profits in the state of NY and was founded in 1845.
Peter attended Towson University, earning his Bachelor of Science degree in business with a major in finance. He began his career on Wall Street as a Financial Advisor in 2001 for UBS and joined Morgan Stanley in 2009. Peter has enjoyed more than 20 years working in the financial services industry.
Peter has been married to his wife Laura for 16 years. They grew up together in Rockville Centre and have 3 boys. Peter (PJ) who is 13, Gavin who is 11 and Owen who is 9. He loves spending time with his family or watching his kids play football, basketball and lacrosse. When not on a sports field or basketball court, they all love relaxing at the beach together or playing golf as a family.
Peter is very involved in youth basketball in Rockville Centre where he volunteers his time to help over 1000 boys and girls participate in the league. He is also the President of The Brooklyn Benevolent Society which provides scholarship money for education within the NYC tri-state area. It is one of the oldest not for profits in the state of NY and was founded in 1845.
Securities Agent: WA, NY, MA, GA, TX, SC, RI, MO, FL, AZ, AR, OH, NV, IA, WI, CT, CA, IN, WV, VA, NH, NC, MI, ME, MT, DC, MS, MN, MD, PA, NJ, DE, NM, KY, IL, CO, AL, TN, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288037
NMLS#: 1288037
About James C Altman
James is a Vice President and Financial Advisor with Morgan Stanley. As a member of the Altman/Ohl Group, James develops strategically tailored investment programs that are unique to each of his client’s circumstances and needs. James believes that a core tenant of creating a successful financial strategy is client engagement. He works to ensure his clients feel heard, supported, and understood. Leveraging his diverse background, James identifies key investment opportunities to create a comprehensive and responsible long-term financial plan for his clients. Recognizing that plans need to be flexible, James proactively manages each portfolio to swiftly adapt to life's challenges and opportunities. As a former NCAA Division I college basketball coach, James successfully worked with student athletes on and off the court and to help them navigate the challenges of athletics, academics, and future planning. James believes in the key principles learned through the game of basketball -- communication, planning, and execution -- to successfully create relationships with his clients and build financial plans to secure their future.
James resides in Belle Mead, New Jersey and is married to his wife, Alex. Together they have two sons and enjoy an active lifestyle of golf and trips to the shore. James grew up in Rockville Centre, New York and graduated from Hartwick College, where he was Captain and four year starter of the men’s basketball team. He received his MBA from Lynn University.
James resides in Belle Mead, New Jersey and is married to his wife, Alex. Together they have two sons and enjoy an active lifestyle of golf and trips to the shore. James grew up in Rockville Centre, New York and graduated from Hartwick College, where he was Captain and four year starter of the men’s basketball team. He received his MBA from Lynn University.
Securities Agent: MA, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1472959
NMLS#: 1472959
About Lisa Jacaruso-Brennan
Registered Associate as well as Portfolio Associate for the Ohl Altman Group. Drawing on nearly 34 years of financial services experience, Lisa leads all aspects of the Group’s business management and financial planning. Lisa plays an integral role in leadership on the team. Lisa is responsible for driving all initiatives to ensure clients have an exceptional service experience. She works diligently with the entire team to build a sustainable infrastructure and solid foundation to meet the sophisticated needs of the Group’s dynamic clientele. Prior to joining Morgan Stanley in 2015, Lisa worked at Merrill Lynch. She began her professional career in financial services as a Financial Advisor at an independent brokerage firm where she worked for 17 years. She is proud to bring her previous investment experience and knowledge of operations to deliver a distinct level of service and personal attention to her clients. Lisa shares in the team’s passion for taking an active leadership role in her local community. She is an active member of Operation Splash, a volunteer non-profit organization dedicated to keeping costal waterways pollution-free and allowing marine life to thrive in the bays. A lifelong Long Islander, Lisa earned her B.F.A. in Journalism from CW Post Long Island University and currently resides in Freeport.
Contact Jeffrey Ohl
Contact Peter M Altman
Contact James C Altman
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
- 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
Article Image
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
Article Image
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 Ohl/Altman 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
9Morgan 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.
10Morgan 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.
11When 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.
12Morgan 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
9Morgan 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.
10Morgan 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.
11When 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.
12Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
