Executive Director, Wealth Management, Financial Advisor, International Client Advisor, Alternative Investments Director, Senior Portfolio Management Director
Phone:
(305) 533-5397(305) 533-5397
The Patagonia Group at Morgan Stanley
Direct:
(303) 533-5477(303) 533-5477
Toll-Free:
(866) 280-3161(866) 280-3161
Our Mission Statement
We deliver the experience, resources and personal service needed to help international investors achieve multigenerational financial goals.
Our Story
We are a tightly-knit team of portfolio managers, wealth planners and client service professionals that focuses on the needs of international high net-worth investors. Our International Client Advisors travel extensively and make use of the latest technology to stay abreast of economic developments throughout the world. We are not only well-versed in the broader wealth planning needs of offshore investors, we also speak your language, share your culture and understand the market and regulatory climate of your country. By combining our local knowledge and extensive investment experiences with the vast global resources of Morgan Stanley, we work to create highly customized solutions that help our clients address the complex challenges of managing significant wealth.
We look forward to learning more about you and your family, and to discussing how we can help you address your challenges and reach your goals.
In 2024, The Patagonia Group at Morgan Stanley was recognized by Forbes on their list of Best-In-State Wealth Management Teams.
2024 Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)
We look forward to learning more about you and your family, and to discussing how we can help you address your challenges and reach your goals.
In 2024, The Patagonia Group at Morgan Stanley was recognized by Forbes on their list of Best-In-State Wealth Management Teams.
2024 Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Clients
We serve a clientele of successful business owners, executives and their families, helping them create, implement and maintain highly customized offshore investment accounts.
Most of our clients make their homes in Argentina, Chile, Uruguay and Mexico, though we also serve select clients elsewhere in Latin America and Europe. They tend to face relatively complex financial challenges, driven both by the shifting regulatory and market climates in their home countries and by the nature of the significant wealth they have created. Serving as their dedicated advisors in the United States, our goal is to help our clients address their financial challenges, protect the wealth that they have created and transfer it efficiently to future generations of their families.
Most of our clients make their homes in Argentina, Chile, Uruguay and Mexico, though we also serve select clients elsewhere in Latin America and Europe. They tend to face relatively complex financial challenges, driven both by the shifting regulatory and market climates in their home countries and by the nature of the significant wealth they have created. Serving as their dedicated advisors in the United States, our goal is to help our clients address their financial challenges, protect the wealth that they have created and transfer it efficiently to future generations of their families.
Modern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
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! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
Family Office Resources
Family Office Resources (FOR) provides specialized technical expertise to ultra-high net worth advisors and clients across a broad range of family wealth management issues.
Learn more about Family Office Resources
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Check out the latest episodeInternational Wealth Management
Part of a global financial legacy that dates back over 150 years, Morgan Stanley is one of the few truly global institutions with the scale, scope and commitment to serve the international investor. We serve among the world’s most capitalized institutions, and stand as one of the largest wealth management firms in the world.
Morgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. Functioning as a specialized group within Morgan Stanley, IWM is staffed by specially trained International Client Advisors and managers who understand your wealth management needs. Our International Client Advisors are familiar with the investment challenges and opportunities that are unique to your part of the world, and can recommend highly customized strategies to help you address your specific goals.
Morgan Stanley IWM brochures in Spanish:
International Wealth Management General Capabilities - Spanish VersionMorgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. Functioning as a specialized group within Morgan Stanley, IWM is staffed by specially trained International Client Advisors and managers who understand your wealth management needs. Our International Client Advisors are familiar with the investment challenges and opportunities that are unique to your part of the world, and can recommend highly customized strategies to help you address your specific goals.
Morgan Stanley IWM brochures in Spanish:
Cybersecurity Resource Center
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and responds appropriately when they do.
The Firm is actively supporting a multitude of layers of security. Security includes the following; strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
The Firm is actively supporting a multitude of layers of security. Security includes the following; strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Family Office Cybersecurity
Family Offices can be quite vulnerable to cyber threats and the dangers of ransomware are real. Consider these best practices to protect your information and assets in an increasingly complex digital world.
Click here to learn more
Cloud Computing
As companies accelerate the move toward cloud computing, cybersecurity challenges have unequivocally intensified. Learn how two key software markets are poised to converge to mitigate new threats.
Click here to learn more
Protecting your Smart Device
Smart devices, we can’t live without them. They know our voices, our search history, and much more. This can present security risks. Here’s how to protect yourself:
Click here to learn more
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Access the Online Security Center
Cryptocurrency Scams
Cryptocurrency is attracting quite a bit of attention lately—including from cybercriminals. Learn more about this digital currency, as well as some popular scams that are being perpetrated by fraudsters.
Click here to learn more
Cybersecurity for College Students
College students may not be too concerned about being a target for hackers. Find out why cybercriminals may prey on students and how they can protect themselves.
Click here to learn more
Protecting your Digital Footprint
Worried about how much of your personal information is available online? See how you can manage your digital footprint.
Click here to learn morePhone Security
You likely spend more time each day on your smartphone than on your computer, but do you pay as much attention to protecting the security of your phone as your computer? Find out why you should.
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Cybercrime Preparedness
Was your email hacked? Your Social Security Number stolen? Do you know how to respond? Learn the steps to take if and when your identity, account, device or information is compromised.
Click here to learn more
Staying Cybersafe on Vacation
Going on vacation? You may be on a break, but cybercriminals aren't! Use these tips to help ensure you return home with your cybersecurity intact.
Click here to learn moreLocation
200 S Biscayne Blvd
Ste 1100
Miami, FL 33131
US
Direct:
(303) 533-5477(303) 533-5477
Toll-Free:
(866) 280-3161(866) 280-3161
Meet The Patagonia Group
Andrés "Andy" Rubinstein
Executive Director, Wealth Management, Financial Advisor, International Client Advisor, Alternative Investments Director, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation, Global Sports and Entertainment Director
Phone:
(305) 533-5477(305) 533-5477
Johan S. Agredo, CIMA®
Associate Vice President, Financial Advisor
Phone:
(212) 893-6482(212) 893-6482
Phillip Sherry
Financial Planning Associate, Registered Associate
Phone:
(212) 893-6529(212) 893-6529
About Michele Landa-Brooker
Michele Landa-Brooker, CPWA® has built her career working with many of the leading wealth-generating families in Latin America. She works closely with her clients to help maximize portfolio efficiency and ease the transition of wealth from generation to generation.
Michele is a 30-year veteran of the financial services industry whose tenure at Morgan Stanley dates from 2003. This experience allows the team’s clients to access the firm's best resources and ideas for their family wealth management.
Michele serves on the firm's International Financial Advisor Council as well as on the Consulting Group Advisor Council. She has been named to Forbes Magazine's List of "Top Women Wealth Advisors Ranking" and Forbes Magazine's List of "Best-In-State Wealth Advisors" each year from 2019 through 2024.
A native New Yorker, Michele conducts all aspects of business in English, Spanish, Portuguese, French and Italian. She holds a Bachelor of Arts from New York University and a Master in Business Administration from the American Graduate School of International Management (Thunderbird). Michele became a Certified Private Wealth Advisor® in October 2020. While not working, Michele enjoys spending time with her family, travel and tennis.
2019 - 2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2019 - 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2019 - 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019 - 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Michele is a 30-year veteran of the financial services industry whose tenure at Morgan Stanley dates from 2003. This experience allows the team’s clients to access the firm's best resources and ideas for their family wealth management.
Michele serves on the firm's International Financial Advisor Council as well as on the Consulting Group Advisor Council. She has been named to Forbes Magazine's List of "Top Women Wealth Advisors Ranking" and Forbes Magazine's List of "Best-In-State Wealth Advisors" each year from 2019 through 2024.
A native New Yorker, Michele conducts all aspects of business in English, Spanish, Portuguese, French and Italian. She holds a Bachelor of Arts from New York University and a Master in Business Administration from the American Graduate School of International Management (Thunderbird). Michele became a Certified Private Wealth Advisor® in October 2020. While not working, Michele enjoys spending time with her family, travel and tennis.
2019 - 2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2019 - 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2019 - 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019 - 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: WY, NY, SD, VT, VA, TX, PR, PA, OH, NJ, MO, ME, MD, MA, IL, GA, DE, DC, CT, CO, CA, AZ, FL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1274627
NMLS#: 1274627
About Andrés "Andy" Rubinstein
Drawing on over 25 years of experience in the financial services industry, Andrés "Andy" Rubinstein is a seasoned portfolio manager who focuses exclusively on international clients. He began his career at Bankers Trust in the Global Asset Management Group, concentrating on the consultant market and the Chilean private pension system.
Andrés became a portfolio manager in 1992 at the Bank of New York, where he managed both discretionary and nondiscretionary mandates for high net worth families before joining Morgan Stanley in 2005. His experience and familiarity with the markets help the team’s clients navigate the firm’s research recommendations and open architecture product line. He is a designated International Client Advisor and regularly interacts with other divisions such as the Investment Bank and Capital Markets desks. He has also earned a variety of prestigious designations, including being named a Forbes Best-In-State Wealth Advisor for the state of New York each year from 2019 - 2024.
Andrés was born in Santiago, Chile, and moved to the U.S. at the age of 16. He graduated from Brandeis University with a B.A. in Economics, and Fordham University, where he received an MBA in Finance.
2019 - 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019 - 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Andrés became a portfolio manager in 1992 at the Bank of New York, where he managed both discretionary and nondiscretionary mandates for high net worth families before joining Morgan Stanley in 2005. His experience and familiarity with the markets help the team’s clients navigate the firm’s research recommendations and open architecture product line. He is a designated International Client Advisor and regularly interacts with other divisions such as the Investment Bank and Capital Markets desks. He has also earned a variety of prestigious designations, including being named a Forbes Best-In-State Wealth Advisor for the state of New York each year from 2019 - 2024.
Andrés was born in Santiago, Chile, and moved to the U.S. at the age of 16. He graduated from Brandeis University with a B.A. in Economics, and Fordham University, where he received an MBA in Finance.
2019 - 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019 - 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: WY, AZ, CA, CO, CT, DC, DE, FL, GA, IL, MA, MD, ME, MO, NJ, NY, OH, PA, PR, SD, TX, VA, VT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268394
NMLS#: 1268394
About Johan S. Agredo
Johan Agredo is an International Client Advisor at The Patagonia Group where he focuses on portfolio construction and asset allocation for Ultra High Net Worth and Family Office clients. He joined Morgan Stanley’s highly coveted rotational analyst program in 2016, where he held roles at the Office of Business Management and the Global Investment Office, subsequently joining The Patagonia Group in 2018.
Johan leverages his passion for cross asset investments and his knowledge of Morgan Stanley’s robust intellectual capital to provide tailored investment solutions to his clients. Johan earned his bachelor’s degree in finance from Florida State University, is a Certified Investment Management Analyst® (CIMA®), and holds his Series 7, 63, and 65 licenses. He has a deep interest in the private markets as well as sustainable impact investments, where he helps clients identify opportunities to achieve their investment and impact objectives.
Johan was born in Cali, Colombia and prides himself in his athletic endeavors, actively competing in amateur boxing and cycling. He is a certified advanced nitrox scuba diver and enjoys exploring and learning from nature through his travels.
Johan leverages his passion for cross asset investments and his knowledge of Morgan Stanley’s robust intellectual capital to provide tailored investment solutions to his clients. Johan earned his bachelor’s degree in finance from Florida State University, is a Certified Investment Management Analyst® (CIMA®), and holds his Series 7, 63, and 65 licenses. He has a deep interest in the private markets as well as sustainable impact investments, where he helps clients identify opportunities to achieve their investment and impact objectives.
Johan was born in Cali, Colombia and prides himself in his athletic endeavors, actively competing in amateur boxing and cycling. He is a certified advanced nitrox scuba diver and enjoys exploring and learning from nature through his travels.
Securities Agent: IL, KS, MA, MD, ME, MO, ND, NJ, NY, OH, PA, PR, SD, TX, VA, VT, AR, AZ, CA, CO, CT, WY, DC, DE, FL, GA, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2221476
NMLS#: 2221476
About Phillip Sherry
Phillip Sherry supports the team’s advisors and clients by serving as a corporate client group contact for international accounts. Phillip has traveled extensively throughout the world, becoming fluent in Spanish and Japanese. He holds a Bachelor of Arts in International Relations at Tufts University and has earned Series 7, 31 & 66 licenses and licenses for life, variable life /variable annuities insurance.
Contact Michele Landa-Brooker
Contact Andrés "Andy" Rubinstein
Contact Johan S. Agredo
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The Patagonia Group today.
1Alternative 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.
2Morgan 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
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley 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
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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)
