Executive Director, Wealth Management, Financial Advisor, Investment Management Consultant
Phone:
(707) 524-0580(707) 524-0580
The Pacific 23 Group at Morgan Stanley
Direct:
(707) 524-1000(707) 524-1000
Our Mission Statement
The Pacific 23 Group leads with integrity to provide comprehensive and sophisticated family wealth advice.
Our team has 80 years of experience to deliver multigenerational wealth and estate planning strategies, through industry leading technology and investment solutions.
Our team has 80 years of experience to deliver multigenerational wealth and estate planning strategies, through industry leading technology and investment solutions.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Wealth ManagementFootnote1
- Qualified Retirement PlansFootnote2
- Professional Portfolio ManagementFootnote3
- Retirement PlanningFootnote4
- Financial PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Planning for Individuals with Special Needs and their Families
- Alternative InvestmentsFootnote7
- Cash Management and Lending ProductsFootnote8
- Stock Plan ServicesFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A financial plan made for you
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Aladdin - Intelligent Risk Management
There's a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients. We bring the resources of Morgan Stanley to the table, with time tested strategies for problem solving, portfolio management and guide our clients with life-long planning tools. We work closely with our clients other professional advisors- such as CPAs and Estate Planning attorneys- to help them build and implement their plans for financial success.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile. The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eSign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
Social Security Direct Deposit
Direct deposit of your Social Security benefits into your Morgan Stanley Account is fast and convenient. It requires no envelopes or stamps, and no trips to your Morgan Stanley Branch.
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.
Our Clients
We help a diverse group of individuals, families and entities (trusts, foundations, corporations) with their own unique circumstances and needs but they share some common attributes, including:
- Too busy to effectively manage all aspects of their financial life.
- Willing to share important details of their lives including goals, aspirations and concerns.
- Comfortable delegating to trusted professionals.
- Values advice over product, seeking comprehensive solutions.
- At least $1,000,000 in investable assets. In addition to our broad-based practice, we have used our own professional and personal experiences to develop specializations in helping certain types of clients.
In addition to our broad-based practice, we have used our own professional and personal experiences to develop specializations in helping certain types of clients.
Corporate Executives
As an executive or key insider, you face unique challenges when integrating corporate equity awards into your total financial picture. We offer strategic planning techniques to address needs including liquidity, diversifying out of concentrated stock positions, risk management, and managing 10b5 1 plans – as well as helping you navigate various types of stock options and restricted stock awards.
Multi Generation Ultra-High-Net-Worth Familes
Navigating wealth across generations requires a thoughtful approach and deep expertise. Our team is dedicated to helping ultra-high-net-worth families build, preserve, and transition wealth with confidence. From tailored investment strategies to legacy planning, we understand the complexities involved in managing family wealth through generations.
Second-Opinion Service
Working with a team that redefines wealth management
Ask ten people to define wealth management. Actually, ask ten wealth managers to do so. You will almost certainly get ten different answers, with most heavily focused on investing. As a client of the Pacific 23 Group, however, you benefit from a team that has a clear and comprehensive vision of wealth management.
Our consultative process via phone or virtual meeting
We approach each new engagement with our consultative process. This allows us to have an open dialogue in which we learn about every client's values and goals while working with them to tailor a plan to help achieve them. Through our second-opinion service you can experience our five step process with no obligation.
What to expect from our second-opinion service
We will meet with you in person or if you prefer via a virtual meeting from the comfort of your own home for a Discovery Meeting. Assuming that we both agree that we have a basis for working together, we will get together for the mutual commitment meeting. During this visit we will confirm if you are on track to fulfill your values and achieve your goals with your current financial provider. If needed, we will suggest ways in which we can help, including recommending another provider if we are not a good fit for your needs. Either way, you will receive a Total Client Profile and a personalized analysis of your current situation.
Location
3562 Round Barn Cir
1st Fl
Santa Rosa, CA 95403
US
Direct:
(707) 524-1000(707) 524-1000
1333 N California Blvd
Suite 133
Walnut Creek, CA 94596
US
Direct:
(925) 939-5100(925) 939-5100
Meet The Pacific 23 Group
Thomas Morris
Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(925) 930-3878(925) 930-3878
Phone:
(925) 746-2922(925) 746-2922
Champhang Wolfard
Senior Registered Client Service Associate, Financial Planning Specialist*
Phone:
(707) 571-5731(707) 571-5731
About Kyle Stelling
Kyle, a San Diego native raised in Santa Rosa, began his career at Morgan Stanley Dean Witter straight out of college. Inspired by his father's early lessons in investing, Kyle developed a keen passion for the stock market.
Outside the financial realm, Kyle is a devoted family man to his wife, Nicole, and children—Kaley, Slater, and Josey. His most cherished moments revolve around family and friends.
Beyond family time, Kyle finds joy in outdoor pursuits. Whether on the golf course or mountain biking trails, he embraces the thrill of adventure.
Outside the financial realm, Kyle is a devoted family man to his wife, Nicole, and children—Kaley, Slater, and Josey. His most cherished moments revolve around family and friends.
Beyond family time, Kyle finds joy in outdoor pursuits. Whether on the golf course or mountain biking trails, he embraces the thrill of adventure.
Securities Agent: NC, AL, MN, WY, MI, LA, KS, WA, KY, GA, FL, NJ, VT, MO, DC, TN, MT, MD, IN, VA, IL, CO, CA, AZ, SC, OH, MS, AK, RI, NY, NV, MA, HI, AR, PA, OR, ID, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1648257
NMLS#: 1648257
About Me
Tom is a Financial Advisor within Morgan Stanley Wealth Management, based in the San Francisco Bay Area. Tom brings a decade of experience to his clients and team, with an emphasis on sophisticated investment, tax, estate and financial planning strategies, tailored to the individual needs of his clients.
Since joining Morgan Stanley in 2015, Tom has held various leadership roles, both in the Bay Area and New York City. His tenure within the firm allows him to deliver a unique and valuable perspective to his clients and their family wealth legacy.
Originally from Connecticut, Tom earned a B.A. from Dickinson College, and currently lives in Lafayette, CA with his two children, Sloane and Max. He is an avid cyclist, golfer and hiker, making the Bay Area feel right at home.
Since joining Morgan Stanley in 2015, Tom has held various leadership roles, both in the Bay Area and New York City. His tenure within the firm allows him to deliver a unique and valuable perspective to his clients and their family wealth legacy.
Originally from Connecticut, Tom earned a B.A. from Dickinson College, and currently lives in Lafayette, CA with his two children, Sloane and Max. He is an avid cyclist, golfer and hiker, making the Bay Area feel right at home.
Securities Agent: HI, AZ, VI, VA, LA, IL, CO, AL, AK, TX, NJ, MS, CT, WY, TN, NM, ND, NC, ME, KS, PA, MI, ID, WV, NY, MO, IA, DE, RI, OH, MT, MN, KY, GA, AR, WA, VT, SD, SC, CA, UT, PR, NV, NH, IN, OK, NE, MD, DC, WI, OR, MA, FL; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2658882
NMLS#: 2658882
About Me
Since beginning his career in 2005, Kayvon maintains a key principle to his business - the client always comes first. It is a pillar of his practice and client’s sense that when they sit down and see how everything is broken down such as their life goals, risk tolerance, and investment objectives. As a trusted advisor, Kayvon takes a comprehensive approach to his service model by ensuring he has all the information he requires to not only support the needs and wants of his clients but also, of their families. Kayvon acknowledges the multitude of choices available to hisclients when it comes to managing their wealth which is why, from the moment they become a client, he ensures every aspect of their life is considered. “Service is what sets him apart.”
A graduated of St. Mary's College with a degree in Business Administration and Economics, Kayvon knew from an early age that he wanted to have a career in financial services. To get his start, he earned a role as an Investment Associate for an Investment Manager during his junior year in college. Over the next 3 years, he supported a group of advisors and their clients learning all the nuances of running a successful practice. When Kayvon was ready to embark on his own, he took everything he learned during those years to ensure that his clients benefited from a client service model that not only kept them up to date but involved in their progress every step of the way.
Outside of the office, Kayvon enjoys spending time with his wife and his two young daughters, golfing, and staying active. He takes great pride in having his family deeply ingrained in the Walnut Creek community.
A graduated of St. Mary's College with a degree in Business Administration and Economics, Kayvon knew from an early age that he wanted to have a career in financial services. To get his start, he earned a role as an Investment Associate for an Investment Manager during his junior year in college. Over the next 3 years, he supported a group of advisors and their clients learning all the nuances of running a successful practice. When Kayvon was ready to embark on his own, he took everything he learned during those years to ensure that his clients benefited from a client service model that not only kept them up to date but involved in their progress every step of the way.
Outside of the office, Kayvon enjoys spending time with his wife and his two young daughters, golfing, and staying active. He takes great pride in having his family deeply ingrained in the Walnut Creek community.
Securities Agent: OR, KS, SC, NM, NJ, VI, MD, VT, MT, WA, OH, MO, MA, ID, UT, MI, LA, KY, IN, HI, CO, AL, VA, NY, TN, MS, MN, CA, TX, PA, NC, IL, FL, AZ, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2546944
NMLS#: 2546944
About Champhang Wolfard
Champhang started her career just out of high school in February 1998 with Smith Barney which eventually merged with Morgan Stanley. She started as the Receptionist and gradually advanced her role into Operations, then Assistant Operations Manager, eventually becoming a Senior Registered Client Service Associate, Financial Planning Specialist*. With her 27 years of experience across the various roles, she brings extensive operational experience that enables her to deliver exceptional client service. She is highly client-focused, prioritizing relationship-building and delivering exceptional service to meet and exceed client expectations.
Champhang was born in Thailand and immigrated to the US with her family in 1980. They lived in Dayton, OH till 1987 when they relocated to Santa Rosa, CA to be closer to family. Outside of the office, you will find Champhang spending time with husband, Tristan, and their twin boys, Cameron and Kai. Together, they enjoy camping year-round, taking motorcycle rides on warm days, skiing and snowboarding in Tahoe during the winter months, and traveling whenever possible.
*This role cannot solicit or provide investment advice.
Champhang was born in Thailand and immigrated to the US with her family in 1980. They lived in Dayton, OH till 1987 when they relocated to Santa Rosa, CA to be closer to family. Outside of the office, you will find Champhang spending time with husband, Tristan, and their twin boys, Cameron and Kai. Together, they enjoy camping year-round, taking motorcycle rides on warm days, skiing and snowboarding in Tahoe during the winter months, and traveling whenever possible.
*This role cannot solicit or provide investment advice.
Contact Kyle Stelling
Contact Thomas Morris
Contact Kayvon Magidi
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
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Pacific 23 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.
2When 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Morgan 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.
7Alternative 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.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Morgan 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.
7Alternative 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.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
