Ryan M. Osborn
First Vice President, Financial Advisor, Alternative Investments Director, Insurance Planning Director
Phone:
(850) 470-8035(850) 470-8035
The Osborn Group at Morgan Stanley
Direct:
(850) 470-8035(850) 470-8035
Toll-Free:
(800) 874-9968(800) 874-9968
Our Mission Statement
Our planning-based team provides a disciplined investment process with a wealth of experience to provide tailored solutions and advice for you and your family’s unique financial and life goals.
Our Team
Managing your wealth has never been more complicated – there are more life chapters and events to prepare for, more investment vehicles to choose from, more complexity with taxes, accounts, estate planning. For many clients like yourself, it is the basic questions that might keep you up at night. Will I be able to achieve my retirement goals? Is my family financially secure? While these questions can become daunting quickly, it is important to remember that you don’t need to answer them alone.
The Osborn Group at Morgan Stanley is here to help you answer these questions. With extensive industry experience, a comprehensive planning process, and the resources of a global firm, our dedicated team provides sophisticated wealth management service customized to each client’s unique needs and goals.
The Osborn Group at Morgan Stanley is here to help you answer these questions. With extensive industry experience, a comprehensive planning process, and the resources of a global firm, our dedicated team provides sophisticated wealth management service customized to each client’s unique needs and goals.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Timely Articles
Equity Markets 2024: 5 Reasons to Believe in the Rally
An uptick in retail fund flows, the end of the Fed’s rate hikes and a U.S. presidential incumbent seeking re-election are among the positive indicators for equities this year.
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Election 2024: Investors’ Top Questions Answered
The outcome of this year’s U.S. election could have a big impact on taxes, Social Security and health care policy. What should investors know?
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Want to Keep More of Your Investment Returns? Consider These Tax Moves
Establishing a tax management strategy for your investments may help you keep more of your returns.
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What Comes After the Soft Landing?
The U.S. economy appears to have avoided a recession and markets expect a rapid re-acceleration. However, investors may want to prepare for more modest growth.
Read MoreWelcome to our life navigator
One of our goals at the Osborn Group is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
Birth
Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. As your trusted advisor I am here to help plan and prepare for the financial components that a new child introduces into your lives.
Click here to learn more
Education
Education is a major investment and expense for most of our clients. As educational costs continue to rise we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for your particular situation.
Click here to learn more
Business/Work
Many of our clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. As their Financial Advisor, we play a critical role in helping them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.
Click here to learn more
Marriage
There are few events more exciting than when our client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents). As your Financial Advisor, we can play an important role in helping you plan for these milestones and guiding your conversations.
Click here to learn more
Post-Career
Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household’s finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
Click here to learn more
Caregiving
Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself.
Click here to learn more
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. We believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Click here to learn moreProtecting Your Online Information
Safeguarding your information is our top priority. Morgan Stanley's defense mechanisms protect our hardware and software, while monitoring the digital side of our business. This helps us understand potential risks and anticipate issues before they occur to ensure a thorough, effective response if they do.
The firm has deployed multiple layers of security, including the following: strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to test our current systems and protocol.
The firm has deployed multiple layers of security, including the following: strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to test our current systems and protocol.
Our Security Strategy
- Alerts and Notifications
- Automatic Session Time Out
- Fraud Detection and Prevention
- Digital Vault
- Multi-Factor Authentication (MFA)
- Employee Training and Testing
- Cybersecurity Fusion Centers
- Threat Landscape Monitoring
- VoiceID
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative InvestmentsLocation
850 S Palafox St.
Ste 200
Pensacola, FL 32502
US
Direct:
(850) 470-8035(850) 470-8035
Toll-Free:
(800) 874-9968(800) 874-9968
Meet The Osborn Group
Patrick W. Broadus, CRPC®, RICP®
Vice President, Wealth Management, Financial Advisor
Phone:
(850) 470-8002(850) 470-8002
Phone:
(850) 437-7920(850) 437-7920
Robin Crosby
Portfolio Associate
Phone:
(850) 470-8027(850) 470-8027
Grace Kim
Client Service Associate
Phone:
(850) 470-8024(850) 470-8024
About Ryan M. Osborn
Ryan Osborn is a Financial Advisor, Alternative Investment Director, and co-managing partner of The Osborn Group at Morgan Stanley. Ryan’s areas of expertise include alternative investments, corporate retirement plans, executive compensation plans, lending strategies, retirement income planning, and investment strategies. He is also responsible for assisting in the design and implementation of retirement programs that help his clients attain the retirement lifestyle they aspire to. Ryan’s passion for his practice is having the opportunity to teach clients about their own wealth while implementing a goal-based approach to help clients achieve their most important financial and life goals.
Ryan Osborn began his investment career in 2003 with Morgan Stanley after earning his Bachelor's degree in Business Administration from Troy State University where he graduated magna cum laude. Prior to joining Morgan Stanley, Ryan spent five years working in the sales and recruiting industries. Once The Osborn Group at Morgan Stanley came to fruition, the team set out to operate each day with competitive urgency, with an emphasis on customer service and communication.
Ryan is active in his community and specifically enjoys teaching 3rd and 4th graders at Community Life Church in Gulf Breeze, Fl. Ryan's passions include spending time with his wife Greta and son Duncan, inshore and offshore fishing, as well as Brazilian Jiu-Jitsu training with his son.
Ryan Osborn began his investment career in 2003 with Morgan Stanley after earning his Bachelor's degree in Business Administration from Troy State University where he graduated magna cum laude. Prior to joining Morgan Stanley, Ryan spent five years working in the sales and recruiting industries. Once The Osborn Group at Morgan Stanley came to fruition, the team set out to operate each day with competitive urgency, with an emphasis on customer service and communication.
Ryan is active in his community and specifically enjoys teaching 3rd and 4th graders at Community Life Church in Gulf Breeze, Fl. Ryan's passions include spending time with his wife Greta and son Duncan, inshore and offshore fishing, as well as Brazilian Jiu-Jitsu training with his son.
Securities Agent: MO, IA, TN, NE, ND, NC, FL, CT, SC, MI, LA, IL, AR, MS, KY, KS, AL, OK, MT, CO, PA, DC, WV, IN, CA, MA, AZ, OH, NY, NM, ID, UT, GA, WI, VA, TX, NV, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1406555
NMLS#: 1406555
About Patrick W. Broadus
Patrick Broadus is a Financial Advisor, Chartered Retirement Planning Counselor (CRPC), Retirement Income Certified Professional® (RICP), and co-managing partner of The Osborn Group at Morgan Stanley. Patrick’s primary responsibilities include guiding clients through the comprehensive retirement planning process, focusing on long term planning, risk and lifestyle review, and retirement income needs. Patrick has continued to emphasize the importance of putting his clients first, and doing the right thing in regards to his client’s financial wellness.
Patrick began his investment career in 1972 after earning his Bachelor's degree in Economics from St. Bernard College. Prior to joining Morgan Stanley in 1997, Patrick spent time in the sales, retail, and banking industries, as well as having served in the U.S. Army. His experience with banking and direct sales has helped Patrick excel as an advisor. Since joining Morgan Stanley, Patrick has focused on serving his clients and helping them reach their financial potential. He enjoys assisting clients and their families through all phases of their financial lives as they face their future with optimism.
For his charitable work, Patrick has been actively involved in his church as well as serving in his local community. Pat's passions also include travel, reading, exercise, and spending time with friends and family. He currently resides in Gulf Breeze, Florida with his wife of 48 years, Linda. They have one grown son, Jeff.
Patrick began his investment career in 1972 after earning his Bachelor's degree in Economics from St. Bernard College. Prior to joining Morgan Stanley in 1997, Patrick spent time in the sales, retail, and banking industries, as well as having served in the U.S. Army. His experience with banking and direct sales has helped Patrick excel as an advisor. Since joining Morgan Stanley, Patrick has focused on serving his clients and helping them reach their financial potential. He enjoys assisting clients and their families through all phases of their financial lives as they face their future with optimism.
For his charitable work, Patrick has been actively involved in his church as well as serving in his local community. Pat's passions also include travel, reading, exercise, and spending time with friends and family. He currently resides in Gulf Breeze, Florida with his wife of 48 years, Linda. They have one grown son, Jeff.
Securities Agent: UT, MA, NM, NE, LA, IL, CT, VA, IN, SC, NV, WI, TX, DC, CO, MO, ID, GA, OK, NY, NC, CA, AL, TN, MT, MI, MD, KY, IA, FL, WV, PA, OH, ND, MS, KS, AZ, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312647
NMLS#: 1312647
About Meghan Falduto
Meghan Falduto is a Financial Advisor, Certified Retirement Counselor (CRC®), Insurance Planning Director, and co-managing partner of the Osborn Group at Morgan Stanley. Meghan’s areas of expertise include insurance and long-term care solutions, lending strategies, retirement income planning and comprehensive financial planning.
Meghan is responsible for assessing client circumstances and providing individualized, highly strategic investment consulting. She guides clients through each financial stage of their life using a goals-based process. This process includes evaluating clients current financial and life situations while analyzing their needs and assessing their risk tolerance. She uses planning and recommends strategies clients can use to pursue their financial goals and objectives. These comprehensive strategies include solutions for current income today, money for the future, leaving a legacy, asset allocation, retirement planning, education planning, portfolio management and managing risk with life, liability, and long-term care insurance.
Prior to joining Morgan Stanley in 2021, Meghan began her career at BBVA as a junior personal investment officer before becoming a Financial Advisor in 2015.
Meghan is active in her community and currently serves as greeting host team member at her church- Crosspoint in Niceville, FL. She is also a member of Impact 100 Northwest Florida. Meghan’s passions include spending time with her husband Lino and her two daughters Raegan and Isabella, traveling to new places, playing pickleball, and chasing sunsets.
Meghan is responsible for assessing client circumstances and providing individualized, highly strategic investment consulting. She guides clients through each financial stage of their life using a goals-based process. This process includes evaluating clients current financial and life situations while analyzing their needs and assessing their risk tolerance. She uses planning and recommends strategies clients can use to pursue their financial goals and objectives. These comprehensive strategies include solutions for current income today, money for the future, leaving a legacy, asset allocation, retirement planning, education planning, portfolio management and managing risk with life, liability, and long-term care insurance.
Prior to joining Morgan Stanley in 2021, Meghan began her career at BBVA as a junior personal investment officer before becoming a Financial Advisor in 2015.
Meghan is active in her community and currently serves as greeting host team member at her church- Crosspoint in Niceville, FL. She is also a member of Impact 100 Northwest Florida. Meghan’s passions include spending time with her husband Lino and her two daughters Raegan and Isabella, traveling to new places, playing pickleball, and chasing sunsets.
Securities Agent: DC, CA, UT, SC, MS, MO, MI, IL, FL, AL, TN, KY, AR, ND, NC, MT, TX, KS, ID, GA, PA, NE, MD, IA, AZ, OK, OH, MA, CT, CO, WI, LA, NY, NM, IN, WV, VA, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2265047
NMLS#: 2265047
Contact Ryan M. Osborn
Contact Patrick W. Broadus
Contact Meghan Falduto
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Debbie Booth
Senior Private Banker
Sam Gaitan
Planning Associate
About Debbie Booth
Debbie Booth is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Alabama, Arkansas, and Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Debbie began her career in financial services in 1987 and joined Morgan Stanley in 2010 as a Senior Private Banker. Prior to joining the firm, she held many roles including Wealth Management Banker, Banking Center Manager, and Retail Mortgage Manager at Bank of America/Merrill Lynch.
Debbie and her family reside in Gulf Breeze, Florida. She is an active member of the community by volunteering her time with March of Dimes, Women’s Build with Habitat for Humanity and Manna Food Bank. When not in the office, she enjoys watching football, going to the beach, and spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Debbie began her career in financial services in 1987 and joined Morgan Stanley in 2010 as a Senior Private Banker. Prior to joining the firm, she held many roles including Wealth Management Banker, Banking Center Manager, and Retail Mortgage Manager at Bank of America/Merrill Lynch.
Debbie and her family reside in Gulf Breeze, Florida. She is an active member of the community by volunteering her time with March of Dimes, Women’s Build with Habitat for Humanity and Manna Food Bank. When not in the office, she enjoys watching football, going to the beach, and spending time with her family.
NMLS#: 801310
About Sam Gaitan
Sam Gaitan is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Sam provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Pace University and received the Financial Planning Specialist® designation from the College for Financial Planning. Sam is originally from Forest Hills, Queens New York and currently resides in Queens, New York.
He earned his undergraduate degree from Pace University and received the Financial Planning Specialist® designation from the College for Financial Planning. Sam is originally from Forest Hills, Queens New York and currently resides in Queens, New York.
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Osborn Group today.
1When 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
7Morgan 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.
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
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
7Morgan 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.
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)
