Phone:
(503) 243-5667(503) 243-5667
The PacWest Group at Morgan Stanley
Direct:
(503) 552-3368(503) 552-3368
Toll-Free:
(800) 767-7824(800) 767-7824
Our Mission Statement
Our mission is simple: Through a holistic, up-to-date understanding of each clients unique circumstances and objectives, we empower them to help grow, preserve, and simplify their complex wealth.
Our Team Is Built To Serve You
The PacWest Group is a team who delights in listening to your goals, values, and vision for the future with the experience to help align your priorities with your financial world.
Collectively, we bring over 100 years of financial services industry experience to provide our select clientele with a bespoke plan and comprehensive wealth and investment planning solutions designed to simplify financial complexity to help achieve clarity and control. As seasoned professionals, we combine our knowledge, skills and talents with the expansive resources and global reach of Morgan Stanley to address sophisticated client situations and help tailor strategies designed to meet each client's unique short and long-term goals.
Awards and Recognition:
Ken Anderson named to the Portland Business Journal's 40 Under 40 List
Source: (April, 2024) Portland Business 40 Under 40 awarded in 2024. This ranking was determined based on an evaluation process conducted by Portland Business Journal during the period from January 2024-April 2024. For more on methodology please go to https://www.bizjournals.com/portland/nomination/87476/2024/2024-40-under-40/
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Trust Services*
- Planning for Education FundingFootnote5
- Philanthropic ManagementFootnote6
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Art AdvisoryFootnote9
- Professional Portfolio ManagementFootnote10
- Alternative InvestmentsFootnote11
- Sustainable InvestingFootnote12
- Business PlanningFootnote13
- Business Succession PlanningFootnote14
- Cash Management and Lending ProductsFootnote15
- Corporate Retirement PlansFootnote16
- Corporate Investment SolutionsFootnote17
- Executive Financial ServicesFootnote18
- Institutional ServicesFootnote19
- Stock Plan ServicesFootnote20
- Endowments and FoundationsFootnote21
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Disciplined Process Focused On You
The PacWest Group believes creating a path for financial success begins with understanding your values, priorities and aspirations. Together, we work to define what is most important to you and your family, then develop a personalized strategy to help you get there. Through each step in our process, we provide objective advice to construct a plan that best suits you.
Step 1: Get To Know Each Other
• Listen carefully to understand what is important to you, your family and your legacy
• Identify circumstances unique to your personal situation
• Discuss important investment concepts and provide details on our investment philosophy
• Identify circumstances unique to your personal situation
• Discuss important investment concepts and provide details on our investment philosophy
Step 2: Assess Your Finances
• Gather important data, documents and financial statements
• Review the information collected to ensure data is accurate
• Analyze your current investment and cash management strategies
• Review the information collected to ensure data is accurate
• Analyze your current investment and cash management strategies
Step 3: Develop Your Plan
• Develop your personalized plan, utilizing proprietary tools and insights from Morgan Stanley, such as the Wealth Strategies Analysis (WSA Tool)
• Incorporate Strategies
• Present our recommendations along with key action steps
• Incorporate Strategies
• Present our recommendations along with key action steps
Step 4: Implement
• Prioritize activities and establish timelines
• Set up tools to provide convenient access to your documents
• Prepare and complete necessary paperwork
• Provide ongoing updates to ensure your plan is implemented as expected
• Set up tools to provide convenient access to your documents
• Prepare and complete necessary paperwork
• Provide ongoing updates to ensure your plan is implemented as expected
Step 5: Deliver Ongoing Service
• Schedule regular calls and meetings to discuss progress towards your goals
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
Digital technology is centered on how people communicate, consume, transact and travel. Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice, allowing for a more in-depth view of a client's financial life to be taken.
Morgan Stanley Online (MSO)
Morgan Stanley Online allows you to conveniently and securely manage your account online or on your mobile device.
Learn More or Log In
Total Wealth View
With Total Wealth View, we have the ability to view all of your assets together, linking your information from accounts at other financial institutions directly to Morgan Stanley Online, which gives us the ability to advise with your entire financial picture in mind.
Total Wealth View
Digital Vault
Keeping important documents and financial records organized and readily available is one of the most important things you can do. The Digital Vault allows you to build a central and shared document library where all documents are stored using encryption.
Digital Vault
eSign
eSign is an alternative to the traditional means of obtaining signatures from clients. To utilize eSign, all you need is a valid email address and phone number.
Learn MoreMorgan Stanley Research and Publications
Morgan Stanley helps to make complex financial ideas more digestible so that our clients understand what is being done on their behalf for their financial future and why. The links below provide material on topics that are affecting the world of business.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Latest GIC
On the Markets
Detailed Market commentary from Morgan Stanley's though leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Report
How to Handle Volatility
The markets have experienced increased volatility lately. Learn more about why investors should focus on the long game.
Learn More
A Simple Retirement Checkup
When market volatility arises, checking in on your retirement plan makes sense.
Learn More
Location
760 SW 9th Ave
Ste 2100
Portland, OR 97205
US
Direct:
(503) 552-3368(503) 552-3368
Toll-Free:
(800) 767-7824(800) 767-7824
Fax:
(503) 276-7400(503) 276-7400
Meet The PacWest Group
Phone:
(503) 552-3365(503) 552-3365
Senior Vice President, Wealth Advisor, Portfolio Management Director, Alternative Investments Director
Phone:
(503) 552-3368(503) 552-3368
Phone:
(503) 221-7696(503) 221-7696
Ryan Coussens
Client Service Associate
Phone:
(503) 221-7620(503) 221-7620
Amy Oberson
Client Service Associate
Phone:
(503) 221-6611(503) 221-6611
Brittany Rakoz
Client Service Associate
Phone:
(503) 221-7605(503) 221-7605
About Caryn Alles
Caryn Alles
Executive Director
Financial Advisor
Portfolio Manager
Caryn Alles has more than 20 years of experience with Morgan Stanley delivering exceptional value to ultra-high net worth families and middle market institutions. Focusing in comprehensive financial planning, strategic asset allocation, and meticulous manager selection, Caryn has developed a reputation for her deep understanding of the financial markets and her ability to tailor investment strategies to the unique needs of clients. Her experience not only lies in identifying growth opportunities but also in managing risks, helping to ensure client portfolios are well-positioned to capitalize on market trends while preserving their wealth. Caryn's client-centric approach, combined with her extensive network and knowledge of the industry, makes her a dedicated partner for families seeking to preserve and grow their wealth through generations. She holds a Bachelor of Science in Marketing and Management from Portland State University and lives in Happy Valley, OR with her husband and son. Caryn enjoys cooking, wine collecting, and entertaining family and friends. She is a key leader within her church serving as board secretary, running the teen summer camp, and managing the local website and AV crew.
Executive Director
Financial Advisor
Portfolio Manager
Caryn Alles has more than 20 years of experience with Morgan Stanley delivering exceptional value to ultra-high net worth families and middle market institutions. Focusing in comprehensive financial planning, strategic asset allocation, and meticulous manager selection, Caryn has developed a reputation for her deep understanding of the financial markets and her ability to tailor investment strategies to the unique needs of clients. Her experience not only lies in identifying growth opportunities but also in managing risks, helping to ensure client portfolios are well-positioned to capitalize on market trends while preserving their wealth. Caryn's client-centric approach, combined with her extensive network and knowledge of the industry, makes her a dedicated partner for families seeking to preserve and grow their wealth through generations. She holds a Bachelor of Science in Marketing and Management from Portland State University and lives in Happy Valley, OR with her husband and son. Caryn enjoys cooking, wine collecting, and entertaining family and friends. She is a key leader within her church serving as board secretary, running the teen summer camp, and managing the local website and AV crew.
Securities Agent: OK, KY, WY, WA, UT, TN, OH, NV, NE, LA, CA, TX, SC, IL, WI, PA, OR, MT, MO, MI, DC, NC, ID, IN, CO, NY, MN, FL, KS, VA, NJ, IA, HI, MD, GA, AZ, NM; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2268595
NMLS#: 2268595
About Ken Anderson
Ken Anderson, CFP®
First Vice President
Portfolio Management Director
Financial Advisor
Since joining Morgan Stanley* in 2007, Ken has been applying his passion for mathematics to help resolve real-life issues for our clients and generate positive impacts in their lives. His experience in financial planning and thorough understanding of the capital markets enable him to perform deep-dive analyses and translate them into understandable terms that help our clients make informed financial decisions.
Ken is a CERTIFIED FINANCIAL PLANNER™ and holds Series 7, 31 and 66 securities licenses, as well as insurance licenses in Oregon and Arizona. He graduated magna cum laude with a B.S. degree in mathematics from the University of Portland. In July 2024, Ken was named to the Portland Business Journal's prestigious 40 under 40 list. This recognition was a reflection of his hard work and dedication to servicing his clients.
Ken enjoys cooking, playing his trumpet, cycling, home brewing beer, and entertaining friends and family. He lives in Southeast Portland with his wife, Jennifer, and their three daughters.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Source: (April, 2024) Portland Business 40 Under 40 awarded in 2024. This ranking was determined based on an evaluation process conducted by Portland Business Journal during the period from January 2024-April 2024. For more on methodology please go to https://www.bizjournals.com/portland/nomination/87476/2024/2024-40-under-40/
First Vice President
Portfolio Management Director
Financial Advisor
Since joining Morgan Stanley* in 2007, Ken has been applying his passion for mathematics to help resolve real-life issues for our clients and generate positive impacts in their lives. His experience in financial planning and thorough understanding of the capital markets enable him to perform deep-dive analyses and translate them into understandable terms that help our clients make informed financial decisions.
Ken is a CERTIFIED FINANCIAL PLANNER™ and holds Series 7, 31 and 66 securities licenses, as well as insurance licenses in Oregon and Arizona. He graduated magna cum laude with a B.S. degree in mathematics from the University of Portland. In July 2024, Ken was named to the Portland Business Journal's prestigious 40 under 40 list. This recognition was a reflection of his hard work and dedication to servicing his clients.
Ken enjoys cooking, playing his trumpet, cycling, home brewing beer, and entertaining friends and family. He lives in Southeast Portland with his wife, Jennifer, and their three daughters.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Source: (April, 2024) Portland Business 40 Under 40 awarded in 2024. This ranking was determined based on an evaluation process conducted by Portland Business Journal during the period from January 2024-April 2024. For more on methodology please go to https://www.bizjournals.com/portland/nomination/87476/2024/2024-40-under-40/
Securities Agent: DC, IA, NJ, MI, IN, PA, OR, NE, GA, TX, MD, CA, NC, WY, NV, IL, NY, LA, CO, SC, OK, MN, KS, MT, HI, VA, TN, MO, KY, NM, FL, AZ, WA, UT, ID; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282826
NMLS#: 1282826
About Josh Bratt
Josh Bratt, CIMA®
Senior Vice President
Portfolio Management Director
Alternative Investments Director
Wealth Advisor
For nearly 30 years, Josh has been helping clients develop and implement customized wealth management strategies based on a comprehensive, up-to-date understanding of their full financial pictures. His depth of knowledge in wealth management, banking, and portfolio management positions him to address the full range of complex financial challenges.
During his over 29-year tenure with Morgan Stanley*, Josh has served clients in key roles within Morgan Stanley Global Wealth Management, Previously, as Regional Vice President, he was responsible for enhancing client experience, growing revenue and increasing profitability for 12 offices across five western states. The advisors under his purview had nearly $8 billion in capital responsibility and represented more than $50 million in revenue to the firm. Prior to joining Morgan Stanley, Josh served as a credit administrator, lead financial analyst and commercial loan officer with a major west coast bank.
Josh received his Certified Investment Management Analyst® certification through an executive education series at the Wharton School of the University of Pennsylvania. He holds a Bachelor’s degree in economics cum laude from the University of Utah and is a graduate of the Northwest Intermediate Commercial Lending School.
Josh has served in leadership roles for multiple youth sports, community, and nonprofit organizations, and has a special place in his heart for energy policy and high-wage job growth initiatives. In addition to having served as a member of the Oregon Talent Council and a board member of the Oregon Environmental Council, he was a co-founder and board member of Power Oregon. Josh and his wife, Wendie, live in Lake Oswego, Oregon, where Wendie practices as an attorney. They have three children.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
2013-2017, 2019-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2017, 2019-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 09/16/2011 through 02/12/2012
2013 Award - 09/16/2012 through 02/12/2013
2014 Award - 09/16/2013 through 02/12/2014
2015 Award - 09/16/2014 through 02/12/2015
2019 Award - 07/19/2018 through 02/11/2019
2020 Award - 06/1/2019 through 02/7/2020
2021 Award - 07/13/2020 through 01/22/2021
2022 Award - 07/19/2021 through 01/21/2022
2023 Award - 07/11/2022 through 01/13/2023
2024 Award
Senior Vice President
Portfolio Management Director
Alternative Investments Director
Wealth Advisor
For nearly 30 years, Josh has been helping clients develop and implement customized wealth management strategies based on a comprehensive, up-to-date understanding of their full financial pictures. His depth of knowledge in wealth management, banking, and portfolio management positions him to address the full range of complex financial challenges.
During his over 29-year tenure with Morgan Stanley*, Josh has served clients in key roles within Morgan Stanley Global Wealth Management, Previously, as Regional Vice President, he was responsible for enhancing client experience, growing revenue and increasing profitability for 12 offices across five western states. The advisors under his purview had nearly $8 billion in capital responsibility and represented more than $50 million in revenue to the firm. Prior to joining Morgan Stanley, Josh served as a credit administrator, lead financial analyst and commercial loan officer with a major west coast bank.
Josh received his Certified Investment Management Analyst® certification through an executive education series at the Wharton School of the University of Pennsylvania. He holds a Bachelor’s degree in economics cum laude from the University of Utah and is a graduate of the Northwest Intermediate Commercial Lending School.
Josh has served in leadership roles for multiple youth sports, community, and nonprofit organizations, and has a special place in his heart for energy policy and high-wage job growth initiatives. In addition to having served as a member of the Oregon Talent Council and a board member of the Oregon Environmental Council, he was a co-founder and board member of Power Oregon. Josh and his wife, Wendie, live in Lake Oswego, Oregon, where Wendie practices as an attorney. They have three children.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
2013-2017, 2019-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2017, 2019-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 09/16/2011 through 02/12/2012
2013 Award - 09/16/2012 through 02/12/2013
2014 Award - 09/16/2013 through 02/12/2014
2015 Award - 09/16/2014 through 02/12/2015
2019 Award - 07/19/2018 through 02/11/2019
2020 Award - 06/1/2019 through 02/7/2020
2021 Award - 07/13/2020 through 01/22/2021
2022 Award - 07/19/2021 through 01/21/2022
2023 Award - 07/11/2022 through 01/13/2023
2024 Award
Securities Agent: OH, WA, NJ, MI, MD, TX, OR, LA, ID, NC, VA, UT, NY, NM, CA, TN, MT, MO, HI, FL, DC, NE, KS, IA, IL, PA, OK, NV, KY, GA, CO, AZ, SC, MN, IN, WY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279625
NMLS#: 1279625
About Annette Kendall
Annette Kendall, CEPA®
Vice President, Financial Advisor
Annette boasts over two decades of expertise in assisting entrepreneurs, family business enterprises, and executives to harmonize their financial strategies with their distinct visions and values. As a Financial Planning Specialist and Certified Exit Planning Advisor, she brings a unique blend of financial acumen and project management skills in service of her client’s goals.
Having joined Morgan Stanley in 2023 in a pivotal wealth management leadership role serving Oregon, Alaska, Montana, Southwest Washington, and Idaho, Annette’s current role entails co-leading one of the largest wealth management teams in the Pacific Northwest. She holds a Bachelor of Science degree in Project Management from George Fox University.
Beyond her professional pursuits, Annette harbors a strong commitment to community building, demonstrated through her active participation over the years with nonprofit organizations as a board member, including HouseCall Providers, North Pole Studios, and currently, Willamette Falls Trust. She most relishes the time she gets to spend with her family and friends, enjoying a delicious meal or enjoying the great outdoors engaging in activities like hiking, skiing, dirt biking, camping, and fishing.
Vice President, Financial Advisor
Annette boasts over two decades of expertise in assisting entrepreneurs, family business enterprises, and executives to harmonize their financial strategies with their distinct visions and values. As a Financial Planning Specialist and Certified Exit Planning Advisor, she brings a unique blend of financial acumen and project management skills in service of her client’s goals.
Having joined Morgan Stanley in 2023 in a pivotal wealth management leadership role serving Oregon, Alaska, Montana, Southwest Washington, and Idaho, Annette’s current role entails co-leading one of the largest wealth management teams in the Pacific Northwest. She holds a Bachelor of Science degree in Project Management from George Fox University.
Beyond her professional pursuits, Annette harbors a strong commitment to community building, demonstrated through her active participation over the years with nonprofit organizations as a board member, including HouseCall Providers, North Pole Studios, and currently, Willamette Falls Trust. She most relishes the time she gets to spend with her family and friends, enjoying a delicious meal or enjoying the great outdoors engaging in activities like hiking, skiing, dirt biking, camping, and fishing.
Securities Agent: CT, AR, VT, NY, WY, WA, MO, MN, ME, MD, HI, CO, OR, MT, IN, DE, AK, VI, TX, SC, NM, KY, DC, WV, WI, SD, ND, ID, GA, AZ, LA, FL, TN, OH, NC, MI, RI, PA, OK, NV, IL, PR, NH, NE, MA, KS, CA, AL, VA, UT, NJ, MS, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 737843
NMLS#: 737843
About Ryan Coussens
Ryan Coussens
Client Service Associate
Ryan has 15 years of industry experience and has held various roles including Client Service Associate, Wealth Strategy Associate, and Financial Advisor. Ryan brings a wealth of knowledge, experience, and a commitment to outstanding service.
Ryan has been deeply engaged in alpine ski coaching, teaching all ages and ability levels for Mt. Hood Meadows and holds a PSIA level III & Child Specialist II certification as well as a level 100 through US Ski & Snowboard. In addition to ski coaching, Ryan managed the Mazama Lodge in Government Camp and has co-managed Cascade Ski Club. He brings with him a passion for the outdoors and loves white water rafting, hiking, backpacking, and mountaineering. Ryan also has a passion for wild culinary mushroom foraging.
Ryan's significant skills and experience make him a great fit for our clients and team.
Client Service Associate
Ryan has 15 years of industry experience and has held various roles including Client Service Associate, Wealth Strategy Associate, and Financial Advisor. Ryan brings a wealth of knowledge, experience, and a commitment to outstanding service.
Ryan has been deeply engaged in alpine ski coaching, teaching all ages and ability levels for Mt. Hood Meadows and holds a PSIA level III & Child Specialist II certification as well as a level 100 through US Ski & Snowboard. In addition to ski coaching, Ryan managed the Mazama Lodge in Government Camp and has co-managed Cascade Ski Club. He brings with him a passion for the outdoors and loves white water rafting, hiking, backpacking, and mountaineering. Ryan also has a passion for wild culinary mushroom foraging.
Ryan's significant skills and experience make him a great fit for our clients and team.
About Amy Oberson
Amy Oberson
Client Service Associate
Amy Oberson joined Morgan Stanley in 2014 with 8 years of banking and client service experience. Amy truly enjoys her roll at Morgan Stanley and finds great joy in connecting with clients and going above and beyond to make sure their needs are met.
In Amy’s time away from work, she enjoys spending time with her family. She and her husband Eric welcomed a baby boy in August of 2023. In addition to enjoying her time as a mom, Amy has a passion for archery hunting and is an avid fisherwoman. She also loves camping and foraging for wild mushrooms. A unique fact about Amy is that she was a softball pitcher for the University of Oregon during the 2002 through 2006 seasons. After completing four years of collegiate softball, Amy went on to play professional softball in Italy, where she finally retired from the sport after 15 years.
Her heart for helping others along with her years of experience makes Amy a great fit for our team.
Client Service Associate
Amy Oberson joined Morgan Stanley in 2014 with 8 years of banking and client service experience. Amy truly enjoys her roll at Morgan Stanley and finds great joy in connecting with clients and going above and beyond to make sure their needs are met.
In Amy’s time away from work, she enjoys spending time with her family. She and her husband Eric welcomed a baby boy in August of 2023. In addition to enjoying her time as a mom, Amy has a passion for archery hunting and is an avid fisherwoman. She also loves camping and foraging for wild mushrooms. A unique fact about Amy is that she was a softball pitcher for the University of Oregon during the 2002 through 2006 seasons. After completing four years of collegiate softball, Amy went on to play professional softball in Italy, where she finally retired from the sport after 15 years.
Her heart for helping others along with her years of experience makes Amy a great fit for our team.
About Brittany Rakoz
Brittany Rakoz
Client Service Associate
Since joining Morgan Stanley in 2014, Brittany has focused on delivering exceptional client service. She enjoys variety and challenges, and is committed to getting things done accurately and efficiently.
Prior to joining Morgan Stanley, Brittany served as Project Manager for a Portland-based nonprofit. Her responsibilities there included event coordination and cultivation of relationships with major donors and clients. A graduate of Portland State University, Brittany resides in Vancouver, Washington with her son and their cat Baron.
Client Service Associate
Since joining Morgan Stanley in 2014, Brittany has focused on delivering exceptional client service. She enjoys variety and challenges, and is committed to getting things done accurately and efficiently.
Prior to joining Morgan Stanley, Brittany served as Project Manager for a Portland-based nonprofit. Her responsibilities there included event coordination and cultivation of relationships with major donors and clients. A graduate of Portland State University, Brittany resides in Vancouver, Washington with her son and their cat Baron.
Contact Caryn Alles
Contact Ken Anderson
Contact Josh Bratt
Contact Annette Kendall
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
Ian McCormick
Private Banker
Matthew Putterman
Planning Associate
About Ian McCormick
Ian McCormick is a Private Banker serving Morgan Stanley Wealth Management offices in Oregon.
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.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
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.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
NMLS#: 845310
About Matthew Putterman
Matthew Putterman 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. Matthew 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 Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from Brooklyn, NY and currently resides in Brooklyn, NY.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from Brooklyn, NY and currently resides in Brooklyn, NY.
Wealth Management
Global Investment Office
Portfolio Insights
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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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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 PacWest 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 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.
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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
10Morgan 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.
11Alternative 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.
12The 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.
13Morgan 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.
14Morgan 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.
15Morgan 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
16When 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.
17Morgan 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.
18Morgan 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.
19Morgan 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.
20Morgan 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.
21Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
10Morgan 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.
11Alternative 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.
12The 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.
13Morgan 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.
14Morgan 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.
15Morgan 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
16When 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.
17Morgan 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.
18Morgan 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.
19Morgan 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.
20Morgan 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.
21Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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)
