Roberto Redondo
Managing Director, Private Wealth Advisor
Phone:
(212) 271-0501(212) 271-0501
The Oikos Group at Morgan Stanley
Direct:
(212) 271-0503(212) 271-0503
Our Mission Statement
Delivering an experienced perspective and powerful global resources, we help exceptional families manage significant wealth across borders and generations.
Our Story and Services
At the Oikos Group, we are a multinational team of highly experienced professionals who serve a global clientele of affluent families and their family enterprises. Having created generational wealth, our clients are primarily concerned with issues of continuity, legacy, and family harmony. They face complex financial challenges that call for sophisticated solutions and close coordination of their advisory team. Combining our talents with the vast global capabilities of our firm, we create highly customized plans to help them protect and prudently grow their wealth, and to pursue their greater life goals.
We chose the name “Oikos,” the Greek word for “family,” because it reflects our dedication to working with the families we serve. We understand the cultures and business climates of the regions in which they work and live. Our goal is to serve as close family advisors who provide experienced guidance to help make informed decisions, and who bring together the resources that are needed to put those decisions into action.
We look forward to learning more about you and your family, and to discussing how we can help you pursue your goals.
We chose the name “Oikos,” the Greek word for “family,” because it reflects our dedication to working with the families we serve. We understand the cultures and business climates of the regions in which they work and live. Our goal is to serve as close family advisors who provide experienced guidance to help make informed decisions, and who bring together the resources that are needed to put those decisions into action.
We look forward to learning more about you and your family, and to discussing how we can help you pursue your goals.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We serve a global clientele of highly accomplished families and individuals who reside in United States, Europe and Latin America. We understand the specific regulatory and economic issues of their home jurisdictions and have optimized our practice to address the unique complexities of managing significant wealth across borders. Focusing on the needs of a small number of clients, we provide highly customized solutions to help each family manage the transitions in their lives, and to pursue goals that span multiple generations.
International Wealth Management
International Wealth Management is a specialized area within Morgan Stanley Wealth Management that is dedicated to serving individuals, families, family offices, entrepreneurs, corporate executives and corporate stock plan managers who live outside the United States. We also serve US citizens living and working abroad as well as those who are relocating to the United States or otherwise changing domicile.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client’s language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client’s language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We may be able to provide you access to:
- An open architecture platform that includes leading asset management firms, giving you access to unaffiliated third party managers and their teams.
- Thematic investing ideas and asset allocation models from Morgan Stanley’s Global Investment Committee, guiding your overall portfolio allocation.
- Customized lending solutions from Morgan Stanley Private Bank, National Association, addressing your financing needs.
- Dedicated specialists in wealth transfer, philanthropy, family dynamics, concierge and lifestyle advisory services, and other family office capabilities, supporting the non-financial needs you may have.
Not all products and services are available to clients outside of the United States.
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 suitable 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”) 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.
CRC 3430115 05/22
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources.
Drawing on a deep understanding of your financial life, our goal is to help you:
● Manage investments with an unwavering focus on your financial strategy and personal goals
● Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
● Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
● Approximately 250 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
● Over $420 billion in AUM1
● Comprising 28% of the Barron’s Top 100 Financial Advisors list for 20202
● Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, March 31, 2020
2 Barron’s Top 100 Financial Advisors, April 2020
Drawing on a deep understanding of your financial life, our goal is to help you:
● Manage investments with an unwavering focus on your financial strategy and personal goals
● Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
● Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
● Approximately 250 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
● Over $420 billion in AUM1
● Comprising 28% of the Barron’s Top 100 Financial Advisors list for 20202
● Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, March 31, 2020
2 Barron’s Top 100 Financial Advisors, April 2020
Location
399 Park Ave 12th
Fl
New York, NY 10022
US
Direct:
(212) 271-0503(212) 271-0503
Meet The Oikos Group
David Szulanski
Executive Director, Financial Advisor
Phone:
(212) 271-0535(212) 271-0535
Phone:
(212) 271-0502(212) 271-0502
Roselin Espinal
Vice President
Phone:
(212) 271-0503(212) 271-0503
About Roberto Redondo
Over 35 years, Roberto Redondo has provided legal and financial management advice to both institutions and families across developed and emerging markets.
His international journey started as a legal apprentice at the Shuzo Nakajima law firm in Tokyo, followed as a corporate law attorney at the international law firm Gibson, Dunn & Crutcher in New York, transitioning for the past two decades into financial advisory roles at reputable institutions such as Goldman Sachs, Lehman Brothers, Credit Suisse, and most recently, Morgan Stanley, where he holds the position of Managing Director.
With his extensive legal counsel background and sophisticated investment strategies, Roberto Redondo brings a distinctive global perspective to his clientele at The Oikos Group. As the senior partner of the team, Roberto is committed to fostering enduring relationships grounded in exceptional service, unwavering integrity, and access to the necessary resources for achieving his clients' multigenerational and multi-jurisdictional objectives.
Roberto specializes in serving ultra-high-net-worth families throughout the US, Latin America and Europe. He is part of Morgan Stanley's prestigious Family Wealth Directors designated to advise families on matters related to estate planning strategies, family governance and education and philanthropy management. He also boasts credentials as a Morgan Stanley Portfolio Manager Director, Alternative Investment Director, International Client Advisor and European Client Specialist.
Educationally, Roberto earned his law degree from Universidad Catolica Andres Bello in Caracas, Venezuela, followed by an LLM in international banking law from Boston University and an M.A. in anthropology from Sophia University in Tokyo.
Roberto is a member of Morgan Stanley's Excellence in Diversity through Growth and Empowerment (EDGE) Operating Committee and member of Morgan Stanley Global Giving's Latin American Steering. Furthermore, Roberto serves as a member of the Aldrich Museum Council and is a Trustee of independent school Ridgefield Academy in Connecticut. He volunteers his time advocating for various immigration causes.
His international journey started as a legal apprentice at the Shuzo Nakajima law firm in Tokyo, followed as a corporate law attorney at the international law firm Gibson, Dunn & Crutcher in New York, transitioning for the past two decades into financial advisory roles at reputable institutions such as Goldman Sachs, Lehman Brothers, Credit Suisse, and most recently, Morgan Stanley, where he holds the position of Managing Director.
With his extensive legal counsel background and sophisticated investment strategies, Roberto Redondo brings a distinctive global perspective to his clientele at The Oikos Group. As the senior partner of the team, Roberto is committed to fostering enduring relationships grounded in exceptional service, unwavering integrity, and access to the necessary resources for achieving his clients' multigenerational and multi-jurisdictional objectives.
Roberto specializes in serving ultra-high-net-worth families throughout the US, Latin America and Europe. He is part of Morgan Stanley's prestigious Family Wealth Directors designated to advise families on matters related to estate planning strategies, family governance and education and philanthropy management. He also boasts credentials as a Morgan Stanley Portfolio Manager Director, Alternative Investment Director, International Client Advisor and European Client Specialist.
Educationally, Roberto earned his law degree from Universidad Catolica Andres Bello in Caracas, Venezuela, followed by an LLM in international banking law from Boston University and an M.A. in anthropology from Sophia University in Tokyo.
Roberto is a member of Morgan Stanley's Excellence in Diversity through Growth and Empowerment (EDGE) Operating Committee and member of Morgan Stanley Global Giving's Latin American Steering. Furthermore, Roberto serves as a member of the Aldrich Museum Council and is a Trustee of independent school Ridgefield Academy in Connecticut. He volunteers his time advocating for various immigration causes.
Securities Agent: MI, MA, IN, FL, DC, WY, WA, VI, TX, NY, MD, IA, NV, DE, OH, CT, CA, AK, IL, TN, SD, RI, PA, NJ, NC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1687369
NMLS#: 1687369
About David Szulanski
David Szulanski brings over two decades of diverse financial industry experience to the service of Oikos Group clients, particularly to those who reside in Argentina, Uruguay and Israel. David’s primary focus is on creating highly customized, emerging-market, fixed income portfolios tailored to the evolving needs of international investors.
David began his financial industry career as an international auditor in Israel in 1989. In 1994, he accepted a position at Bank Haopalim, Israel’s largest bank, as their representative in Argentina. He moved to New York in 1998, making the transition to private banking at Bank Leumi USA.
David then spent the next 18 years in private banking roles at Israel Discount Bank of New York and Credit Suisse Securities before joining Morgan Stanley in 2016 and The Oikos Group at Morgan Stanley in 2019.
Born in Argentina, David has lived the better part of his life in Israel and the United States. He graduated from Tel Aviv University with a bachelor’s degree in economics accounting and a master’s in economics and business administration. He also earned an M.A. in the mathematics of finance from Columbia University in New York.
David is an active supporter of the Israeli Olympic Judo team, and he practices himself at the Oishi Judo Club in New York.
David began his financial industry career as an international auditor in Israel in 1989. In 1994, he accepted a position at Bank Haopalim, Israel’s largest bank, as their representative in Argentina. He moved to New York in 1998, making the transition to private banking at Bank Leumi USA.
David then spent the next 18 years in private banking roles at Israel Discount Bank of New York and Credit Suisse Securities before joining Morgan Stanley in 2016 and The Oikos Group at Morgan Stanley in 2019.
Born in Argentina, David has lived the better part of his life in Israel and the United States. He graduated from Tel Aviv University with a bachelor’s degree in economics accounting and a master’s in economics and business administration. He also earned an M.A. in the mathematics of finance from Columbia University in New York.
David is an active supporter of the Israeli Olympic Judo team, and he practices himself at the Oishi Judo Club in New York.
Securities Agent: NJ, SD, PA, MD, IN, IA, WY, NV, DE, TX, NY, TN, RI, MA, CT, AK, WA, OH, FL, CA, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 2502860
NMLS#: 2502860
About Francesco Balducci
With nine years of experience in the industry, Francesco Balducci works at the intersection of relationship management and portfolio implementation. He has frequent contact with clients to maintain a detailed understanding of their evolving goals, ensuring that their investments are well-aligned and that their other financial needs are being met. Offering holistic solutions grounded in investment management, Francesco’s approach to wealth management encompasses estate planning, lending solutions, education planning, cash management and other areas of impact in his clients lives.
Francesco began his financial service career as a business analyst at Credit Suisse Securities after graduating from the University of Michigan with a dual major in economics and political science. He moved with to Morgan Stanley in 2016 with his now partners of the Oikos Group.
Culturally Italian, Francesco was raised in Venezuela and London. A new father, he and his family now live in Brooklyn, New York, where he enjoys playing tennis, hiking and other outdoor activities.
Francesco began his financial service career as a business analyst at Credit Suisse Securities after graduating from the University of Michigan with a dual major in economics and political science. He moved with to Morgan Stanley in 2016 with his now partners of the Oikos Group.
Culturally Italian, Francesco was raised in Venezuela and London. A new father, he and his family now live in Brooklyn, New York, where he enjoys playing tennis, hiking and other outdoor activities.
Securities Agent: MA, AK, TN, OH, NV, CA, SC, RI, MD, FL, PA, VI, WY, NC, IL, DC, WA, TX, NY, IN, DE, CT, NJ, VA, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1687374
NMLS#: 1687374
About Roselin Espinal
Drawing on over two decades of financial services industry experience, Roselin Espinal works to create an outstanding overall service experience for every client of the Oikos Group.
Working alongside the team’s Advisors and clients, Roselin is charged with an extensive range of functional responsibilities including onboarding, documentation review, funds transfer and the handling of equity, fixed income, and foreign exchange trades. She also supports clients in the use of Morgan Stanley’s digital capabilities and serves as a liaison with the firm’s Private Bank, Alternative Investment group and other areas.
After graduating from Binghamton State University with a dual major in financial economics and Spanish literature, Roselin began her financial service career at J.P. Morgan as a relationship manager and trust officer. She moved to Lehman Brothers in 2006 where she began working with Roberto Redondo on his team, moving together to Credit Suisse Securities in 2008 and to Morgan Stanley in 2016 to form the Oikos Group.
Roselin is passionate about supporting underprivileged children through educational initiatives. She has served on the board with The American Dream School since 2016 and joined the board of trustees of The American Dream School II in 2021. She also sits on the condo board of Riverpointe on the Hudson. Former distance runner, Roselin also enjoys hiking and traveling domestically and abroad.
Working alongside the team’s Advisors and clients, Roselin is charged with an extensive range of functional responsibilities including onboarding, documentation review, funds transfer and the handling of equity, fixed income, and foreign exchange trades. She also supports clients in the use of Morgan Stanley’s digital capabilities and serves as a liaison with the firm’s Private Bank, Alternative Investment group and other areas.
After graduating from Binghamton State University with a dual major in financial economics and Spanish literature, Roselin began her financial service career at J.P. Morgan as a relationship manager and trust officer. She moved to Lehman Brothers in 2006 where she began working with Roberto Redondo on his team, moving together to Credit Suisse Securities in 2008 and to Morgan Stanley in 2016 to form the Oikos Group.
Roselin is passionate about supporting underprivileged children through educational initiatives. She has served on the board with The American Dream School since 2016 and joined the board of trustees of The American Dream School II in 2021. She also sits on the condo board of Riverpointe on the Hudson. Former distance runner, Roselin also enjoys hiking and traveling domestically and abroad.
Contact Roberto Redondo
Contact David Szulanski
Contact Francesco Balducci
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
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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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Ready to start a conversation? Contact The Oikos Group today.
1Morgan 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.
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.
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.
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.
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
5Alternative 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.
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.
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.
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.
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
5Alternative 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.
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)
