Senior Vice President, Wealth Management, Wealth Advisor, Senior Portfolio Manager
Phone:
(703) 535-8306(703) 535-8306
The Old Town Group at Morgan Stanley
Direct:
(703) 535-8345(703) 535-8345
Toll-Free:
(888) 747-3669(888) 747-3669
Our Mission Statement
Working with you to help preserve and grow wealth for your long-term goals
About Us
We know that money is a significant source of stress-more so than work, health, and family. Chronic financial stress is often times associated with serious health, occupational, and relational problems.´1 The Old Town Group wants to be your stress relievers. Helping you meet your goals, however you chose to define them, is the benchmark we ask you to measure us by.
The Old Town Group wants to help you achieve more consistent results from your portfolio. We feel that we can help you see more consistent results by taking modest positions, diversifying amongst many assets classes, and using many investment vehicles. While we cannot eliminate all the volatility that is inherent to the market, we believe that more diversification will lower the volatility of a portfolio.
Often times we are asked to define our value added proposition. In this competitive environment where ideas flow so quickly, what can we deliver to you? We can’t promise you a specific return on your portfolio, but we can promise to provide excellent service, level set expectations, be ‘active listeners’, and keep current on new rules, regulations and investment solutions.
1 The Journal of Financial Planning, December 2016
The Old Town Group wants to help you achieve more consistent results from your portfolio. We feel that we can help you see more consistent results by taking modest positions, diversifying amongst many assets classes, and using many investment vehicles. While we cannot eliminate all the volatility that is inherent to the market, we believe that more diversification will lower the volatility of a portfolio.
Often times we are asked to define our value added proposition. In this competitive environment where ideas flow so quickly, what can we deliver to you? We can’t promise you a specific return on your portfolio, but we can promise to provide excellent service, level set expectations, be ‘active listeners’, and keep current on new rules, regulations and investment solutions.
1 The Journal of Financial Planning, December 2016
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We know that investing other people’s money is a great responsibility and one that is based upon integrity and trust. Integrity isn’t something that can be turned ‘on or off’ - it is constant. We strive to be good stewards of your money and we promise to do so.
The discretionary portfolios we implement are structurally different from those offered by other investment companies and advisors. Our discretionary portfolios offer a tremendous breadth of investment vehicles that include: individual stocks, exchange traded funds, individual bonds, and both closed and open end mutual funds. This flexibility allows us to invest in high conviction stock ideas as well as broad themes through the use of sector funds.
Our benchmark for equities is the MSCI ACWI Index as our portfolios are geographically diverse and invested in companies of all capitalizations. Our fixed income benchmark is the Barclays Capital Corporate Bond Index.
Our clients have ‘blended’ portfolios (static and tactical; growth and fixed income) which allows us to seek to be both tax-efficient and control management fees. While our portfolios can be customized to accommodate legacy positions, we implement asset allocation models that align to your goals and objectives with flexibility to be ‘bullish’ or ‘bearish’ as market conditions warrant.
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions.
An investment cannot be made directly in a market index.
For index definitions to the indices referenced in this report please visit the following: http://www.morganstanleyfa.com/public/projectfiles/id.pdf
The discretionary portfolios we implement are structurally different from those offered by other investment companies and advisors. Our discretionary portfolios offer a tremendous breadth of investment vehicles that include: individual stocks, exchange traded funds, individual bonds, and both closed and open end mutual funds. This flexibility allows us to invest in high conviction stock ideas as well as broad themes through the use of sector funds.
Our benchmark for equities is the MSCI ACWI Index as our portfolios are geographically diverse and invested in companies of all capitalizations. Our fixed income benchmark is the Barclays Capital Corporate Bond Index.
Our clients have ‘blended’ portfolios (static and tactical; growth and fixed income) which allows us to seek to be both tax-efficient and control management fees. While our portfolios can be customized to accommodate legacy positions, we implement asset allocation models that align to your goals and objectives with flexibility to be ‘bullish’ or ‘bearish’ as market conditions warrant.
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions.
An investment cannot be made directly in a market index.
For index definitions to the indices referenced in this report please visit the following: http://www.morganstanleyfa.com/public/projectfiles/id.pdf
Our commitment to you includes:
Assisting you in formalizing realistic goals
Creating a customized financial plan
Keeping you on track to reach your goals
Creating a customized financial plan
Keeping you on track to reach your goals
We do this by:
Assisting in the preparation and implementation of an asset allocation strategy by helping to simplify and consolidate your accounts
Helping to determine and meet your Required Minimum Distributions
Developing lifetime income strategies
Reviewing life insurance policies to protect your family and create liquidity in times of need
Reviewing your Estate Planning needs
Helping to determine and meet your Required Minimum Distributions
Developing lifetime income strategies
Reviewing life insurance policies to protect your family and create liquidity in times of need
Reviewing your Estate Planning needs
We will:
Check in with you to keep you current on market conditions, portfolio performance, important financial deadlines and end of the year planning needs
Monitor changes in your life and family situation
Keep current on the investment world and provide you with unbiased investment research
Share the experience of hundreds of clients over twenty years that have faced circumstances similar to yours
Monitor changes in your life and family situation
Keep current on the investment world and provide you with unbiased investment research
Share the experience of hundreds of clients over twenty years that have faced circumstances similar to yours
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
What are your hopes and dreams?
Our approach to wealth planning focuses on what is most meaningful to you.
Whether meeting with you for the first time or reviewing your progress and life goals, this is our priority.
Leveraging our vast resources—including intellectual capital, experience and dedicated personal service—we can work with you to create a personalized wealth strategy. Our 4 step approach to Wealth Management is formal yet flexible. Over time, we can adapt it to changing circumstances, helping you to achieve—and to protect—your goals.
Whether meeting with you for the first time or reviewing your progress and life goals, this is our priority.
Leveraging our vast resources—including intellectual capital, experience and dedicated personal service—we can work with you to create a personalized wealth strategy. Our 4 step approach to Wealth Management is formal yet flexible. Over time, we can adapt it to changing circumstances, helping you to achieve—and to protect—your goals.
DISCOVER
Our relationship begins with a thorough understanding of you – your needs, your lifestyle and family, and your goals for the future.
CREATE
I work with you to develop a roadmap to help you achieve and protect the outcomes you envision.
ACT
Next, I can help you implement investment, retirement, trust services, lending, cash management and insurance solutions suited to your needs.
ADJUST
Achieving your goals requires vigilance and flexibility. I’ll help you monitor your progress and make adjustments as life evolves, markets and tax laws shift, and priorities change.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Our relationship begins with a thorough understanding of you – your needs, your lifestyle and family, and your goals for the future.
CREATE
I work with you to develop a roadmap to help you achieve and protect the outcomes you envision.
ACT
Next, I can help you implement investment, retirement, trust services, lending, cash management and insurance solutions suited to your needs.
ADJUST
Achieving your goals requires vigilance and flexibility. I’ll help you monitor your progress and make adjustments as life evolves, markets and tax laws shift, and priorities change.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Past Events
- Beer Tasting at Rustico Restaurant and Bar in celebration of Oktoberfest
- On The Markets with Riverfront Investment Management at Peking Gourmet Inn
- On The Markets with Morgan Stanley's Dan Skelly at Ruth's Chris Steak House
- Cooking Class at Sur La Table
Location
333 John Carlyle St
Suite 650
Alexandria, VA 22314
US
Direct:
(703) 535-8345(703) 535-8345
Toll-Free:
(888) 747-3669(888) 747-3669
Meet The Old Town Group
About Mark Rizzieri
I am a native of Geneva, New York in the Finger Lakes region of central New York, but I have called Northern Virginia my home since 1990. I graduated from the University of Notre Dame where I was Vice President of my dormitory, a resident assistant, recipient of the dorm’s citizenship award and a member of the varsity lacrosse team. I earned a Master of Arts from The George Washington University in 1993. My wife (Leigh Ann), daughter (Payton) and two dogs live in Alexandria, Virginia. Spare time activities include working around the yard, spending time with my ladies and biking.
My career in wealth management began in 1995 when I started working for Dean Witter Reynolds. The financial services industry has proven to be both a wonderful career choice and I am proud to work at Morgan Stanley. I have learned over my career that financial planning is truly a unique profession comprising many distinct disciplines: business, behavioral finance, economics, emotional intelligence, and empathy. I enjoy coming to work each day because every day is different, each client unique, evolving markets force me to remain current on the news of the day and every new year presents a new challenge and opportunities to grow.
I am a CERTIFIED FINANCIAL PLANNER practitioner and I am committed to abiding to a strict code or professional conduct, known as the Code of Ethics and Professional Responsibility. As a CERTIFIED FINANCIAL PLANNER, I practice a comprehensive approach to financial planning addressing areas of personal finance, retirement planning, college planning, investment management, tax planning strategies, wealth accumulation, cash flow analysis, insurance (permanent, term, universal and long-term care), and estate planning strategies. I do my very best to serve as a reliable resource and hope to instill a peace of mind that comes from knowing that a financial plan has been implemented to help realize specific goals and objectives. I am a member of Morgan Stanley’s prestigious Master’s Club, an elite group composed of the firm’s top Financial Advisors.
Mark's Education
University of Notre Dame, B.A
George Washington University, Master of Education and Human Development
Certified Financial Planner
Senior Portfolio Manager
Life and Health Insurance Licensed
Long Term Care Licensed
Series 7, 63, 65, 31 Licensed
My career in wealth management began in 1995 when I started working for Dean Witter Reynolds. The financial services industry has proven to be both a wonderful career choice and I am proud to work at Morgan Stanley. I have learned over my career that financial planning is truly a unique profession comprising many distinct disciplines: business, behavioral finance, economics, emotional intelligence, and empathy. I enjoy coming to work each day because every day is different, each client unique, evolving markets force me to remain current on the news of the day and every new year presents a new challenge and opportunities to grow.
I am a CERTIFIED FINANCIAL PLANNER practitioner and I am committed to abiding to a strict code or professional conduct, known as the Code of Ethics and Professional Responsibility. As a CERTIFIED FINANCIAL PLANNER, I practice a comprehensive approach to financial planning addressing areas of personal finance, retirement planning, college planning, investment management, tax planning strategies, wealth accumulation, cash flow analysis, insurance (permanent, term, universal and long-term care), and estate planning strategies. I do my very best to serve as a reliable resource and hope to instill a peace of mind that comes from knowing that a financial plan has been implemented to help realize specific goals and objectives. I am a member of Morgan Stanley’s prestigious Master’s Club, an elite group composed of the firm’s top Financial Advisors.
Mark's Education
University of Notre Dame, B.A
George Washington University, Master of Education and Human Development
Certified Financial Planner
Senior Portfolio Manager
Life and Health Insurance Licensed
Long Term Care Licensed
Series 7, 63, 65, 31 Licensed
Securities Agent: NY, MA, FL, WA, VA, OK, NH, AR, TX, TN, SC, MO, KY, DC, NJ, MD, GA, CA, WI, ME, AL, WV, NV, IL, CO, OR, OH, MN, IN, AZ, LA, NC, ID, DE, CT, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285205
NMLS#: 1285205
About Lindsay Spanier Yearsich
After graduating from Indiana University in Bloomington, Indiana with a B.S. in Business, my career started with Morgan Stanley in 2007. I had interned the previous two summers with Maria Smith and Mark Rizzieri at Morgan Stanley and joined their team full time after graduation. I was a fully registered Financial Advisor by January 2008, completed a Continuing Education Certificate from Georgetown University in Financial Planning, and am a Morgan Stanley designated Financial Planning Specialist.
Since I started my career at the end of 2007/ beginning of 2008 I have a distinctive perspective on advising clients. The Old Town Group focuses on financial planning to help clients develop a strategy to manage their goals - especially during tough markets. The planning based practice keeps clients focused on the plan that has been created and helps to eliminate the day to day worry about the markets.
I attended St. Stephen’s and St. Agnes School in Alexandria, VA kindergarten through 12th grade and still call Northern Virginia home today. In my free time I enjoy riding my horse, and taking family walks with our two dogs.
Lindsay's Education
Indiana University, B.S. in Business
Georgetown University, Certificate in Financial Planning
Financial Planning Specialist
Life and Health Insurance Licensed
Long Term Care Licensed
Series 7, 66, 31 Licensed
Since I started my career at the end of 2007/ beginning of 2008 I have a distinctive perspective on advising clients. The Old Town Group focuses on financial planning to help clients develop a strategy to manage their goals - especially during tough markets. The planning based practice keeps clients focused on the plan that has been created and helps to eliminate the day to day worry about the markets.
I attended St. Stephen’s and St. Agnes School in Alexandria, VA kindergarten through 12th grade and still call Northern Virginia home today. In my free time I enjoy riding my horse, and taking family walks with our two dogs.
Lindsay's Education
Indiana University, B.S. in Business
Georgetown University, Certificate in Financial Planning
Financial Planning Specialist
Life and Health Insurance Licensed
Long Term Care Licensed
Series 7, 66, 31 Licensed
Securities Agent: DC, TN, OR, NH, MA, WV, WI, SC, PA, CT, AR, MN, IN, IA, GA, DE, CO, AZ, NJ, LA, NY, MO, CA, WA, VA, UT, TX, OH, ME, ID, FL, NC, KY, KS, OK, MD, IL, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255415
NMLS#: 1255415
About Julie Bensusan
I am a life-long Virginian as I was born, raised and live in Northern Virginia which affords me close proximity to all that I hold dear--my son, my mom and family. My career with Morgan Stanley began in 1990 when I started working for Dean Witter Reynolds. I am the teams Client Service Associate where I strive to deliver an exceptional client service experience by being both empathetic and responsive to client service needs and requests. In the very competitive financial services industry, I recognize the importance of building and maintaining strong client relationships. My goal is to make sure that with each and every interaction a client believes that their concerns have been addressed and confident that the paperwork and/or request will be completed both timely and accurately. On the team, I have many duties which include managing the group's day-to-day operations, working diligently to understand and accomplish client requests in a timely manner, assisting clients in getting enrolled in all Morgan Stanley digital platforms, and facilitating the processing of securities and money movement . I enjoy spending time with my family, two dogs and close friends. I am also a huge sports fan and rarely miss watching Baltimore Orioles and Washington Commanders games.
Contact Mark Rizzieri
Contact Lindsay Spanier Yearsich
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 Old Town 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
