Senior Vice President, Financial Advisor, Corporate Retirement Director, Alternative Investments Director
Phone:
(201) 712-4048(201) 712-4048
The Paramus Group at Morgan Stanley
Our Mission Statement
We help our clients protect, grow, and transfer their wealth by design and with intention.
Our Story and Services
The Paramus Group is a best-in-breed team of advisors who bring multi-faceted expertise and skill-set along with a combined investment experience of over 75 years. We pride ourselves in bringing a full suite of world class advisory services and customized strategies to help our clients reach their personal, professional, and financial goals.
Our goal is to become a trusted advisor for all of your financial decisions. We combine our own talents and breadth of experience with the vast resources of a global financial services firm and provide a comprehensive client experience, better outcomes, and peace of mind.
Please reach out to schedule an appointment and learn more.
Our goal is to become a trusted advisor for all of your financial decisions. We combine our own talents and breadth of experience with the vast resources of a global financial services firm and provide a comprehensive client experience, better outcomes, and peace of mind.
Please reach out to schedule an appointment and learn more.
We Serve:
- Instiutional Clients
- Private Wealth
- Emerging Wealth
- Intergenerational Families
- Business Leaders
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Corporate Retirement PlansFootnote3
- Retirement PlanningFootnote4
- Fixed IncomeFootnote5
- Business PlanningFootnote6
- Alternative InvestmentsFootnote7
- Estate Planning StrategiesFootnote8
- Institutional ServicesFootnote9
- Corporate Investment SolutionsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process, Your Plan
At the Paramus Group, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Discover
• Goals and what's important to you.
• Understand your cash flow and Investment Personality
• Current finances including liabilities, insurance, and estate plans.
• Experience investing with various strategies and asset classes.
Advise
• Create a comprehensive financial plan explaining assumptions used and recommendations.
• Summarize findings in an easy-to-follow document with an overview of your goals net-worth and current cash-flow needs.
• Help you understand the rationale for strategies selected, predicted income, future cash flow, range of potential outcomes, and future net worth.
• Incorporate Financial and Goals Risk mitigation strategies.
Implement
• Implement Financial Plan
• Customized solutions, Asset allocation and investment strategy
• Asset and Liability Management
Track Progress Towards Goals
• Monitor goals on an ongoing basis.
• Update plan to incorporate life events or market conditions.
• Regularly scheduled quarterly and annual meeting to review plan, portfolio performance, and progress towards your goals.
Resources for You
The Paramus Group is dedicated to providing our clients and prospects with the latest resources, insights and tools available to be better informed in the current marketplace.
US Economics Mid-Year Outlook: Fast Growth, More Slack
Morgan Stanley & Co. Research's Chief US Equity Economist Ellen Zentner has published her US Economics Mid-Year Outlook. Ellen and her team discuss their outlook around economic growth, labor, inflation, and monetary policy.
Global Strategy Mid-Year Outlook: Sunny with a Chance of Rain
Morgan Stanley & Co. Research's Head of Cross-Asset Strategy Serena Tang has published her Global Strategy Mid-Year Outlook. Serena and her team discuss their top-down views on global equities, G10 rates, G10 FX, EM fixed income, corporate credit, securitized products, and commodities.
2024 Mid-Year Global Macroeconomic Outlook
Morgan Stanley economists see steady global economic growth in 2024 and 2025, with inflation likely slowing and interest rate cuts on the way worldwide.
Mid-Year On the Markets: The Path of Least Resistance
Amid a global earnings recovery, look for additional relative upside for Japanese and European equities along with further support for credit markets and a variety of commodities.
US Equities Mid-Year Outlook: A Wider Range of Outcomes and Opportunities
Morgan Stanley & Co. Research's Chief US Equity Strategist Michael Wilson has published his US Equities Mid-Year Outlook. Mike and his team discuss their market views, forecasts, and sector/style preferences.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
5.00% Annual Percentage Yield Preferred Savings
Morgan Stanley clients with eligible brokerage accounts can earn 5.00% APY through deposits into our Preferred Savings Program for qualifying cash. Contact our team to learn more or click here for more details. Terms apply.
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Social Security COLA Increase
The Social Security Benefits and Supplemental Security Income (SSI) payments will see a 3.2% increase in 2024. On average, Social Security retirement benefits will increase by more than $50 per month in January.
Reserved Living & Giving
As a Morgan Stanley client, you are eligible to join Morgan Stanley's Reserved Living & Giving. This complimentary perk program gives you access to special offers, discounts and curated content. Check out many of the exclusive offers below.
When Employees Thrive, Your Company Thrives Too
When you invest in your workforce, you empower it too. We can help deliver workplace financial solutions that can help employees build financial well-being.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participation Education
- Redcue employee stress
- Improve retention and engagement
- Set themselves apart by offering comprehensive financial wellness benefits
Retirement for Plan Sponsors
Providing End-to-End services. We can provide the rools and guidance to help you manage a retirement plan. This includes:
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
Advantages For Your Company
Morgan Stanley puts our years of experience and leadership into action so you can provide benefits that set you apart. Learn how you
Advantages For Your Employees
We will provide educational resources, digital tools, and guidances designed to foster financial education and confidence across your company.
Our Educational Events
We host exclusive events and guests speak on a variety of financial topics ranging from market updates and industry trends, women and wealth, executive women events, adulting 101, estate planning and your financial wellness score. If interested in any of our upcoming events, then please use the "Contact Us" button on our website or contact Anita Srivastava at anita.srivastava@morganstanley.com or (201) 712-4063 to register. All are welcome!
2025 Market Outlook Webinar - January 22nd
Please join us for a discussion on the Market Outlook and what market and economic themes investors should watch for in 2025 and beyond.
Tax-Efficient Investing All Year Long - December 17th, 2024
Please join us for a discussion on tax-smart investing solutions that help you keep more of what you earn.
Golf & Investing in an Election Year - October 24th, 2024
Bring a friend and join us for an event on the links! Come meet the team, improve your putting , and learn about investing in an election year. We look forward to seeing you!
Market Outlook with The Paramus Group at Morgan Stanley - October 23rd, 2024
Join us for a stimulating and insightful discussion on market update and outlook. At this roundtable, we will challenge preconceived and outdated notions and provide you with timely insights to help you identify opportunities and avoid pitfalls.
What Pickleball Can Teach You about Capital Market Outlooks and Opportunites - May 8th, 2024
Join us for a Mid-Year Market Outlook discussion and Pickleball tournament! If you are interested in attending, scroll down to the our contact information and give us a call!
Exclusive Midyear Economic and Investment Outlook - July 22nd
Join us July 22nd for an exclusive Money Monday midyear economic and investment outlook virtual event with Ellen Zentner, Chief U.S. Economist, and Dan Skelly, Head of Market Research & Strategy. Register:
Location
Mack Center Iv, S 61 Paramus Rd.
Paramus, NJ 07652
US
Direct:
(201) 712-4000(201) 712-4000
Meet The Paramus Group
Phone:
(201) 291-4956(201) 291-4956
Financial Advisor, CERTIFIED FINANCIAL PLANNER®, CHARTERED RETIREMENT PLANS SPECIALIST, Portfolio Manager
Phone:
(201) 712-4063(201) 712-4063
Dona Rozsypal
Wealth Management Associate
Phone:
(201) 712-4051(201) 712-4051
Debra Contino
Portfolio Associate
Phone:
(201) 712-4091(201) 712-4091
About Keith Dressel
Keith graduated with a B.S. from Rutgers University in 1997. He began working in the securities industry in 2000 and joined Morgan Stanley in 2005. Keith focuses on portfolio design and investment consulting to group benefit plans, endowments, foundations, families and individuals. Morgan Stanley has designated Keith as one of their Corporate Retirement Directors and a Senior Institutional Consultant.
The National Association of Plan Advisors (NAPA) recognized Keith as one of the “Top 50 Plan Advisors Under 40” in their Summer 2014 issue of NAPA net Magazine.
In addition to his work with institutions, he enjoys working with individuals and in particular multi-generational family wealth. When asked, Keith said, “It’s interesting to improve plan design and help ensure that pension benefit obligations are met. However, when you work with individuals you really get to see the end result of financial wellness. It’s very rewarding.”
In Keith’s 23 years of experience in the securities industry he has earned the CIMA® Certification (Certified Investment Manager Analyst) designation from the Wharton School of Business and the CRPS® (Chartered Retirement Plan Specialist SM) designation from the College for Financial Planning. Keith is the on the Board of the Association of Professional Investment Consultants (APIC), and a member of the Investment & Wealth Institute.
Keith lives in Montvale, NJ with his wife and two sons. Keith and his family are active members of Bergen Highlands Methodist Church of Upper Saddle River, NJ.
2014 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
Source: napa-net.org (Nov 2014) Data compiled by NAPA based on time period from Aug 2013-Aug 2014.
The National Association of Plan Advisors (NAPA) recognized Keith as one of the “Top 50 Plan Advisors Under 40” in their Summer 2014 issue of NAPA net Magazine.
In addition to his work with institutions, he enjoys working with individuals and in particular multi-generational family wealth. When asked, Keith said, “It’s interesting to improve plan design and help ensure that pension benefit obligations are met. However, when you work with individuals you really get to see the end result of financial wellness. It’s very rewarding.”
In Keith’s 23 years of experience in the securities industry he has earned the CIMA® Certification (Certified Investment Manager Analyst) designation from the Wharton School of Business and the CRPS® (Chartered Retirement Plan Specialist SM) designation from the College for Financial Planning. Keith is the on the Board of the Association of Professional Investment Consultants (APIC), and a member of the Investment & Wealth Institute.
Keith lives in Montvale, NJ with his wife and two sons. Keith and his family are active members of Bergen Highlands Methodist Church of Upper Saddle River, NJ.
2014 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
Source: napa-net.org (Nov 2014) Data compiled by NAPA based on time period from Aug 2013-Aug 2014.
Securities Agent: HI, CA, WY, VT, NJ, MA, MI, OH, NM, AL, WI, SC, MN, NV, ND, VA, TX, DC, AR, TN, GA, NY, KY, CO, WA, UT, LA, DE, CT, PA, NH, MD, FL, AZ, RI, NC, IL, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1297779
NMLS#: 1297779
About Joseph DeAngelis
Joe Graduated from Ramapo College. He has worked in the Financial Service Industry for over 35 years. He focuses on fixed income, financial planning, estate planning strategies, and much more.
As your advisor, Joe helps define your goals to deliver a vast array of resources tailored to your short- and long-term objectives. With these goals in mind, he finds the most appropriate way for you to invest. Working with Joe can help you preserve and grow your wealth. With the power of the Paramus Group and Morgan Stanley, you will have access to some of the world’s most seasoned and respected investment professionals, premier trading platforms and a full spectrum of investment choices.
Joe earned the Portfolio Manager title in 2011. One of his core philosophies is the ability to customize and alter your portfolio to navigate roadblocks in your financial journey. Joe also holds the Series 6,7, 31, 62, 65 & Life and Health Insurances certifications.
He is the Former Vice President of the Alumni Ramapo College Association. Outside of work, you may see Joe enjoying a round of golf, tasting a variety of wins, or going to his favorite restaurants in the area.
As your advisor, Joe helps define your goals to deliver a vast array of resources tailored to your short- and long-term objectives. With these goals in mind, he finds the most appropriate way for you to invest. Working with Joe can help you preserve and grow your wealth. With the power of the Paramus Group and Morgan Stanley, you will have access to some of the world’s most seasoned and respected investment professionals, premier trading platforms and a full spectrum of investment choices.
Joe earned the Portfolio Manager title in 2011. One of his core philosophies is the ability to customize and alter your portfolio to navigate roadblocks in your financial journey. Joe also holds the Series 6,7, 31, 62, 65 & Life and Health Insurances certifications.
He is the Former Vice President of the Alumni Ramapo College Association. Outside of work, you may see Joe enjoying a round of golf, tasting a variety of wins, or going to his favorite restaurants in the area.
Securities Agent: CT, AL, VT, TN, NC, AR, WA, TX, FL, AZ, WI, UT, PA, NH, LA, DE, ND, NV, MN, SC, MA, HI, WY, RI, KY, NJ, MD, GA, CO, IL, DC, SD, NY, NM, MI, VA, OH, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312529
NMLS#: 1312529
About Anita Srivastava
During her early years in the Financial Service Industry, Anita graduated from Columbia University as a Doctor of Philosophy. She now has over 30 years of experience across a wide range of financial sectors, ranging from an Economic Consultant at the World Bank to a Manager for Business Innovation at Ernst & Young.
Anita has been an Advisor at Morgan Stanley and Merrill Lynch for the past 8 years where she built her practice and assisted other Financial Advisors with Financial Planning and Wealth Management for their clients. Her diverse background allows her to tailor unique solutions for each challenge.
As a CERTIFIED FINANCIAL PLANNER™ and Chartered Retirement Plans Specialist®, Anita (she/her/hers) offers clients comprehensive financial planning that encompasses virtually every aspect of their financial lives. Anita’s passion for all things financial began as a kid, where at an early age she was asking questions about economics and financial markets. Today she shares her knowledge with numerous professional groups, women’s organizations, and not-for-profits, speaking frequently on such topics as Women and Wealth, Financial Planning, Behavioral Finance for Everyday Investors, Leaving a Legacy, World Financial Markets, and the Challenges of Divorce.
Anita believes in finding a balance between work, family, and community, and is dedicated to helping the community with the same passion she has for business. Anita is the Past-President of The Woman’s Club of Ridgewood, where she has been a board member since 2006. She is also a past Vice President and Trustee for Ridgewood Education Foundation and currently a board member at the College Club of Northern New Jersey.
In her spare time, she enjoys spending quality time with her family in her home in Ridgewood and Mantoloking NJ and enjoys tennis, pickleball, golf, swimming, and cooking.
Anita has been an Advisor at Morgan Stanley and Merrill Lynch for the past 8 years where she built her practice and assisted other Financial Advisors with Financial Planning and Wealth Management for their clients. Her diverse background allows her to tailor unique solutions for each challenge.
As a CERTIFIED FINANCIAL PLANNER™ and Chartered Retirement Plans Specialist®, Anita (she/her/hers) offers clients comprehensive financial planning that encompasses virtually every aspect of their financial lives. Anita’s passion for all things financial began as a kid, where at an early age she was asking questions about economics and financial markets. Today she shares her knowledge with numerous professional groups, women’s organizations, and not-for-profits, speaking frequently on such topics as Women and Wealth, Financial Planning, Behavioral Finance for Everyday Investors, Leaving a Legacy, World Financial Markets, and the Challenges of Divorce.
Anita believes in finding a balance between work, family, and community, and is dedicated to helping the community with the same passion she has for business. Anita is the Past-President of The Woman’s Club of Ridgewood, where she has been a board member since 2006. She is also a past Vice President and Trustee for Ridgewood Education Foundation and currently a board member at the College Club of Northern New Jersey.
In her spare time, she enjoys spending quality time with her family in her home in Ridgewood and Mantoloking NJ and enjoys tennis, pickleball, golf, swimming, and cooking.
Securities Agent: KY, CA, TX, AZ, WA, NV, DE, WY, NY, NC, CO, MD, IL, HI, AR, WI, RI, MI, MA, LA, VA, SC, NM, ND, DC, CT, AL, VT, SD, GA, MN, UT, FL, TN, PA, OH, NJ, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1298004
NMLS#: 1298004
About Dona Rozsypal
Dona Rozsypal is a Wealth Management Associate at Morgan Stanley. With more than 25 years of experience in the financial services industry, Dona focuses on supporting the team's products and services, maintaining client relationships, and executing high volume trades.
A graduate of St. Thomas Aquinas College, Dona received her Bachelor's degree in Business with a concentration in Management Information Systems. Dona is Series 7, 63, and 65 licensed.
With her strong work ethic and attentive approach, Dona helps to ensure that clients' needs are not only met with diligence, but in keeping with their larger financial goals. She's committed to building meaningful long-term relationships with clients, and is proud to work with several clients' grandchildren and even some great-grandchildren as a result.
Outside of work, Dona enjoys spending time with her family.
A graduate of St. Thomas Aquinas College, Dona received her Bachelor's degree in Business with a concentration in Management Information Systems. Dona is Series 7, 63, and 65 licensed.
With her strong work ethic and attentive approach, Dona helps to ensure that clients' needs are not only met with diligence, but in keeping with their larger financial goals. She's committed to building meaningful long-term relationships with clients, and is proud to work with several clients' grandchildren and even some great-grandchildren as a result.
Outside of work, Dona enjoys spending time with her family.
About Debra Contino
Debra Contino is a Portfolio Associate with Morgan Stanley. With over 20 years in the financial services industry, she brings experience and enthusiasm to her role maintaining effective client relationships for the team.
A graduate of the College of Mount St. Vincent, Debra received her Bachelor's degree in Economics. Debra is licensed in Series 7 and Series 66.
Debra works closely with both current and prospective clients, cultivating relationships that give the team insight on how best to meet each client's needs. Always eager to embrace a new challenge, Debra resolves inquiries with a keen attention to detail and a passion for problem solving.
A graduate of the College of Mount St. Vincent, Debra received her Bachelor's degree in Economics. Debra is licensed in Series 7 and Series 66.
Debra works closely with both current and prospective clients, cultivating relationships that give the team insight on how best to meet each client's needs. Always eager to embrace a new challenge, Debra resolves inquiries with a keen attention to detail and a passion for problem solving.
Contact Keith Dressel
Contact Joseph DeAngelis
Contact Anita Srivastava
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
Rick Marx, CFP®
Financial Planning Director, Vice President
Adam Guralnick
Private Banker
Lucas Cervelli
Planning Associate
About Rick Marx
Rick Marx is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Northern New Jersey. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Rick began his career in financial services in 2007 and joined Morgan Stanley in 2022. Prior to his current position, he was a Financial Advisor at JP Morgan Chase in New York City as well as a Financial Consulting Director for TIAA also in New York City.
Rick graduated from Hunter College and holds both the Certified Financial Planner™
and the Chartered Financial Consultant® designations. He lives in New Jersey with his wife Gloria and son Dean. Outside of work, Rick enjoys playing guitar, reading, cooking and spending time with his family
Rick began his career in financial services in 2007 and joined Morgan Stanley in 2022. Prior to his current position, he was a Financial Advisor at JP Morgan Chase in New York City as well as a Financial Consulting Director for TIAA also in New York City.
Rick graduated from Hunter College and holds both the Certified Financial Planner™
and the Chartered Financial Consultant® designations. He lives in New Jersey with his wife Gloria and son Dean. Outside of work, Rick enjoys playing guitar, reading, cooking and spending time with his family
About Adam Guralnick
Adam Guralnick is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Adam began his career in financial services in 2002, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Adam began his career in financial services in 2002, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
NMLS#: 1114313
About Lucas Cervelli
Lucas Cervelli 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. Lucas 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 The College of New Jersey and received the Financial Planning Specialist® designation from the College for Financial Planning. Lucas is originally from Hunterdon County, New Jersey and currently resides in Lebanon Township, New Jersey.
He earned his undergraduate degree from The College of New Jersey and received the Financial Planning Specialist® designation from the College for Financial Planning. Lucas is originally from Hunterdon County, New Jersey and currently resides in Lebanon Township, New Jersey.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 Paramus 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan 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.
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 (“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.
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.
10Morgan 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*.
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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.
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1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan 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.
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 (“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.
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.
10Morgan 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.
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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:
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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)
