Raju Pathak
Managing Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director, Global Sports and Entertainment Director
Phone:
(617) 589-3373(617) 589-3373
The Pathak Group at Morgan Stanley
Direct:
(617) 589-3373(617) 589-3373
Toll-Free:
(800) 752-2678(800) 752-2678
Our Mission Statement
A top-ranked team by Barron’s and Forbes, we help clients across the U.S. make smart decisions with their money so they can make work optional through comprehensive wealth management and responsive client service
Our Story
The Pathak Group at Morgan Stanley was founded by Raj Pathak, who has been with the company for over twenty-five years. As Managing Director, Global Sports and Entertainment Director, and Wealth Advisor, he focuses on providing wealth management solutions to business owners, corporate executives, emerging entrepreneurs, athletes and entertainers.
Together with his team, Raj serves a limited number of clients who have entrusted him with over $2.3 billion in assets (as of December 2024), helping them address their biggest concerns:
- preserving wealth
- mitigating tax obligations
- taking care of their heirs
- ensure their assets are not unjustly taken through litigation
- charitable giving
The team uses a consultative process to gain a detailed understanding of each client’s values and goals, and shares customized recommendations designed to address each client’s unique needs and long-term objectives.
Accessibility, responsiveness, and proactive communication are important to us. Our entire team is focused on providing each client with a sense of security and comfort, along with a dependable “one-stop” access to concierge-like resources, service, and support.
Together with his team, Raj serves a limited number of clients who have entrusted him with over $2.3 billion in assets (as of December 2024), helping them address their biggest concerns:
- preserving wealth
- mitigating tax obligations
- taking care of their heirs
- ensure their assets are not unjustly taken through litigation
- charitable giving
The team uses a consultative process to gain a detailed understanding of each client’s values and goals, and shares customized recommendations designed to address each client’s unique needs and long-term objectives.
Accessibility, responsiveness, and proactive communication are important to us. Our entire team is focused on providing each client with a sense of security and comfort, along with a dependable “one-stop” access to concierge-like resources, service, and support.
Services Include
- Executive Financial ServicesFootnote1
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Business Succession PlanningFootnote4
- Planning for Individuals with Special Needs
- Retirement PlanningFootnote5
- Planning for Education FundingFootnote6
- Divorce Financial AnalysisFootnote7
- Corporate Trust Services
- Executive Benefit ServicesFootnote8
- Alternative InvestmentsFootnote9
- Long Term Care InsuranceFootnote10
- Municipal BondsFootnote11
- 529 PlansFootnote12
- Cash ManagementFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Pathak Group Difference
You will discover a refreshingly-different approach to client relationships at the Pathak Group. Our group structure, concierge-level services and the additional considerations listed below combine to represent a welcome alternative for investors striving to achieve targeted financial goals.
Pathak Group Difference Video
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Pathak Group Video: Making Work Optional
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Pathak Group Video: Tumultuous Times
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5 Reasons Why We are Different Than Other Advisors
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7 Client Concerns That We Address
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Virtual Family Office
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Reacting To Big Drops In Markets
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Long Term Care Insurance
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The Portfolio Manager's Impossible Task - Finding Work/Life Balance
Read Here
Difficult Conversations
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3 Things Entrepreneurs Should Consider Before They Sell
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Where Everybody Knows Your Name
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Family Wealth Organizer
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Do it Yourself Approach
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Morgan Stanley Online
Morgan Stanley Online provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research.
Morgan Stanley Online
Cybersecurity Checklist
As the threat landscape intensifies, how can you strengthen your personal cybersecurity? This checklist will help you think through the basic steps you should take to safeguard your data and assets.
Stay Safe Online
LifeView and Financial Planning
Regardless of what stage your life is in, your Morgan Stanley Financial Advisor can help you achieve your financial goals.
Learn More
Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Total Wealth View, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
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Thoughts On The Market Podcast
Constantly updated market insights from our Global Investment Committee.
Access Here
Digital Vault Video
Through Digital Vault, you can securely save and share documents with your Morgan Stanley team.
Watch Here
Top 8 Concerns for the Next Generation
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Financial Wellness
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Graduating College: A Whole New World
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Saving: A Penny Saved Is a Penny Earned
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Making Moves: Buying a Home
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Investing: Cut the Bull—the Bear Basics of Investing
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Bank Account - To Join or Not To Join
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The Magic of Compound Interest
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The Budget Breakdown
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How To Make Your Philanthropic Dollars Count
Watch Here
How to Pay Off Debt
Watch Here
The Art of Saying No
Watch HerePress & Events
Raj Pathak and the group’s success have been recognized in numerous ways:
Each year Forbes Magazine and Barron’s rank the top advisors across the country by assets under management and the quality of their practices, regulatory record and philanthropic work among other factors.
Each year Forbes Magazine and Barron’s rank the top advisors across the country by assets under management and the quality of their practices, regulatory record and philanthropic work among other factors.
Raj Pathak Named to Barron's 'Top 1,200 Financial Advisors' 2010 – 2025
The “Barron’s Top 1,200 Advisors” is a select group of individuals who are screened on a number of criteria. Among factors the survey takes into consideration are assets under management, revenue produced for the Firm and quality of service provided to clients.
Source: Barrons.com 2010 - 2025. Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Click this link to read moreSource: Barrons.com 2010 - 2025. Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
The Pathak Group Named to Forbes Magazine’s Best-In-State Wealth Management Teams 2023 - 2025
The annual Forbes/SHOOK Best-In-State Wealth Management Teams list features more than 4,100 teams with cumulative assets of $5.1 trillion. Forbes' list was compiled by SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
Source: Forbes.com (Jan 2025) This ranking was determined based on an evaluation process conducted by SHOOK Research LLC in partnership with Forbes for the period from 3/31/23–3/31/24.
Click this link to read moreSource: Forbes.com (Jan 2025) This ranking was determined based on an evaluation process conducted by SHOOK Research LLC in partnership with Forbes for the period from 3/31/23–3/31/24.
Raju Pathak Named to Forbes Magazine’s America’s Top Wealth Advisors 2021 - 2023
The Forbes America’s Top Wealth Advisors List 2023 features rankings of the top financial advisors across America.
Source: Forbes.com 2021-2023. Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Click this link to read moreSource: Forbes.com 2021-2023. Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Raj Pathak Named to Forbes Magazine’s List of Best-in-State Wealth Advisors 2025
Forbes.com (April 2025) Forbes America’s Top Wealth Advisors and Best-In- State Wealth Advisors rankings awarded in 2024. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC
Click this link to read moreBrendan Doyle Named to Forbes Magazine’s List of Best-in-State Wealth Advisors 2025
Forbes.com (April 2025) Forbes America’s Top Wealth Advisors and Best-In- State Wealth Advisors rankings awarded in 2024. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC
Click this link to read more
Brendan Doyle Named to Forbes Magazine’s List of Top Next-Gen Wealth Advisors Best-in-State
The Forbes listing is a select group of individuals who were born in 1981 or later, have a minimum of four years of industry experience and lead, or are viewed as potential leaders of, their teams.
Source: Forbes.com 2017 - 2023 Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
Click this link to read moreSource: Forbes.com 2017 - 2023 Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
Pathak Group Meets with Leaders at Morgan Stanley Home Office
The purpose of the visit was to further develop personal connections with company leadership while gathering greater insights and updates on a wide range of topics, such as market research and strategy, data security, client engagement, and generative AI solutions.
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Raj Pathak Named to Morgan Stanley Chairman's Club 1993 - 2024
Raj has been named to the Firm’s prestigious Chairman’s Club, an elite group composed of the Firm’s top Financial Advisors. The appointment recognizes Raj's consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients.
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Raj Pathak Receives Global Sports and Entertainment Director Designation
This specialized group was created to help address the unique wealth management needs of athletes, coaches, owners, directors, producers, writers, actors and their business advisors.
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Raj Pathak Attends Morgan Stanley “Home Invasions to Cyber Threats: A Guide to Client Protection” Presentation
Athletes and Entertainers are prime targets for physical and digital burglaries, making proactive security measures essential. The session included real-world lessons from high-end burglaries, the deeper impact of loss beyond money, and the importance of layered physical and cyber security.
Learn More Here
Raj Pathak Participates in Regional Peer Sharing Program
The facilitated program was designed to provide advisors with a forum for exchanging ideas and sharing their experiences, success stories, and best practices for executing key processes such as practice management, client service, and business development.
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Raj Pathak Serves as Guest Speaker at Morgan Stanley Focus 100 Program
The Focus 100 Program provides a platform for teams and sole practitioners at Morgan Stanley to identify teaming and partnering opportunities across the region.
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Raj Pathak Selected as Speaker at Morgan Stanley Business Development Intensive
Approximately 300 Morgan Stanley advisors with tenure levels averaging in the three-to-seven-year range attended the event, which focused on best practices for early career business development.
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Raj Pathak Selected as Panel Speaker at Morgan Stanley Multicultural Leadership Summit
The two-day event in Atlanta featured presentations by several of the company’s senior level managers, during which they shared lessons in leadership along with Morgan Stanley’s longer-term vision and strategies.
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Raj Pathak Selected as Featured Speaker at Morgan Stanley Evolution of the Private Bank Event
The discussion focused on how advisory teams can partner with the Private Bank and provided insights into the wide range of lending solutions available to clients and how upcoming enhancements have been designed to further enhance client experiences and connectivity.
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Raj Pathak Speaks at Invesco Rainmaker Event
Raj Pathak served on a speaker’s panel at the Invesco Rainmaker Event in New York City. The event was designed to spotlight experienced advisors who shared best practices on cultivating and developing new business relationships.
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Raj Pathak Attends Morgan Stanley Global Sports & Entertainment Director’s Summit
The summit, orchestrated by Morgan Stanley’s Global Sports & Entertainment division, was created to help address the unique wealth management needs of athletes, coaches, owners, directors, producers, writers, actors and their business advisors.
Click This Link To Read More
Artificial Intelligence Building Blocks and Investing in Cryptocurrency
The first edition featured Morgan Stanley’s Executive Director Denny Galindo, who published the firm’s Artificial Intelligence Building Blocks and Investing in Cryptocurrency primer. Mr. Galindo shared numerous insights into Artificial Intelligence (AI), including potential use cases, a summary of what’s needed to make AI work, and key considerations for today’s investor.
Click this link to read more
Pathak Group Participates in Teambuilding & Growth Event
The Pathak Group participated in a teambuilding and practice growth program orchestrated by Columbia Threadneedle Investments.
Pathak Group at Morgan Stanley Welcomes Three New Team Members
The Pathak Group announces that three new professionals have joined the team, whose diverse experience levels and proficiencies will enable us to provide added perspectives and service to our clients.
Click this link to learn moreThe Pathak Group Virtual Second-Opinion Service
Choosing the right financial advisor is one of the most important decisions you can make for your future. Many individuals find themselves dissatisfied with their current portfolio due to underperformance, misaligned investment strategy, or a potential lack of communication with their current financial advisor team. If this sounds familiar to you—or if you know someone in the same circumstance—our second opinion service might be a great option. This service is designed in an effort to offer prospective clients with new financial ideas and strategies that align with their financial needs—whether you stay the course or explore new options.
Here’s How It Works:
1. First meeting will include:
a) Assessment of where you are now
b) Determination of where you want to be
c) Identification of any gaps or voids
2. After careful analysis, we’ll provide you with three possible outcomes:
a) You are on track – keep doing what you are doing.
b) You have gaps and voids and we can help solve them – you can become a client of ours
c) You have some gaps but we are not the right fit. We will suggest advisors that aligns with your financial future.
Please reach out today and schedule your complimentary consultation with The Pathak Group. We look forwards to hearing from you.
Here’s How It Works:
1. First meeting will include:
a) Assessment of where you are now
b) Determination of where you want to be
c) Identification of any gaps or voids
2. After careful analysis, we’ll provide you with three possible outcomes:
a) You are on track – keep doing what you are doing.
b) You have gaps and voids and we can help solve them – you can become a client of ours
c) You have some gaps but we are not the right fit. We will suggest advisors that aligns with your financial future.
Please reach out today and schedule your complimentary consultation with The Pathak Group. We look forwards to hearing from you.
Location
28 State Street
Fl
Boston, MA 02109
US
Direct:
(617) 589-3373(617) 589-3373
Toll-Free:
(800) 752-2678(800) 752-2678
3803 West Chester Pike Ste # 200
Newtown Square, PA 19073
US
Direct:
(610) 430-1910(610) 430-1910
Meet The Pathak Group
Brendan A Doyle
Senior Vice President, Wealth Management, Financial Advisor, Executive Financial Services Director, Portfolio Management Director
Phone:
(617) 589-3342(617) 589-3342
Joseph A Ferrante
Senior Vice President, Financial Advisor, Executive Financial Services Director, Portfolio Management Director
Phone:
(617) 589-3279(617) 589-3279
Phone:
(610) 892-4427(610) 892-4427
Phone:
(610) 892-4407(610) 892-4407
Phone:
(617) 570-9437(617) 570-9437
Brian Gossman
Vice President, Group Director
Phone:
(617) 589-3373(617) 589-3373
Eric Carpenter
Assistant Vice President, Marketing & Communications Director
Phone:
(617) 589-3373(617) 589-3373
Matthew LaPaglia
Portfolio Associate
Phone:
(617) 589-3373(617) 589-3373
Brianna Abramo
Client Service Associate
Phone:
(617) 589-3373(617) 589-3373
Emely Nunez
Client Services Associate
Phone:
(617) 589-3306(617) 589-3306
About Raju Pathak
Raj Pathak is a prominent Wealth Advisor and Managing Director of The Pathak Group at Morgan Stanley, with a career spanning over 25 years. He is renowned for his expertise in advanced wealth management strategies, catering to a diverse clientele that includes business owners, corporate executives, entrepreneurs, entertainers, and athletes.
Raj’s remarkable story is rooted in his family's journey. His father arrived in America after being on the bottom of a boat for 30 days with only ten dollars and a steadfast determination. Through relentless effort and dedication, he became a leading research dermatologist and a Professor and Researcher at Harvard Medical School and Massachusetts General Hospital. Motivated by his parents' values of hard work, family, education and perseverance, Raj has mirrored these principles throughout his professional life and in helping his clients.
He earned his B.S. in Finance and Investments from Babson College, graduating with Highest Distinction. His financial career began at E.F. Hutton and he has stayed at the same firm through many mergers to Morgan Stanley, then known as Shearson Lehman Brothers. Over the years, Raj rose through the ranks from Vice President to Senior Vice President, ultimately becoming Managing Director and Global Sports & Entertainment Director and founding The Pathak Group. Today, the group manages assets exceeding $2 billion as of December 2023, solidifying their position as a leading advisory team for affluent families.
Industry leaders have consistently recognized Raj’s exceptional achievements as well. From 2010 to 2023, Barron’s Magazine listed him among America’s Top 1,200 Advisors: State-by-State, and in 2023, Forbes Magazine named him one of the “Top 200 Financial Advisors.”
In addition to his professional success, Raj is committed to community service. He supports the Milton Animal Shelter and the New England Center for Homeless Veterans and serves on the boards of Beth Israel Lahey Hospital in Milton, The Airplane Noise Committee for The Town of Milton, and Junior Achievement of Boston. Furthermore, Raj is a committed member of Provisors, a professional networking organization connecting business owners, executives, and other professionals to foster collaboration, referrals, and partnership.
Outside of work, Raj is an avid golfer, fitness enthusiast, and tennis player. He is a member of the Wollaston Golf Club and resides in Milton, MA with his wife and three children.
Raj’s remarkable story is rooted in his family's journey. His father arrived in America after being on the bottom of a boat for 30 days with only ten dollars and a steadfast determination. Through relentless effort and dedication, he became a leading research dermatologist and a Professor and Researcher at Harvard Medical School and Massachusetts General Hospital. Motivated by his parents' values of hard work, family, education and perseverance, Raj has mirrored these principles throughout his professional life and in helping his clients.
He earned his B.S. in Finance and Investments from Babson College, graduating with Highest Distinction. His financial career began at E.F. Hutton and he has stayed at the same firm through many mergers to Morgan Stanley, then known as Shearson Lehman Brothers. Over the years, Raj rose through the ranks from Vice President to Senior Vice President, ultimately becoming Managing Director and Global Sports & Entertainment Director and founding The Pathak Group. Today, the group manages assets exceeding $2 billion as of December 2023, solidifying their position as a leading advisory team for affluent families.
Industry leaders have consistently recognized Raj’s exceptional achievements as well. From 2010 to 2023, Barron’s Magazine listed him among America’s Top 1,200 Advisors: State-by-State, and in 2023, Forbes Magazine named him one of the “Top 200 Financial Advisors.”
In addition to his professional success, Raj is committed to community service. He supports the Milton Animal Shelter and the New England Center for Homeless Veterans and serves on the boards of Beth Israel Lahey Hospital in Milton, The Airplane Noise Committee for The Town of Milton, and Junior Achievement of Boston. Furthermore, Raj is a committed member of Provisors, a professional networking organization connecting business owners, executives, and other professionals to foster collaboration, referrals, and partnership.
Outside of work, Raj is an avid golfer, fitness enthusiast, and tennis player. He is a member of the Wollaston Golf Club and resides in Milton, MA with his wife and three children.
Securities Agent: MI, IN, NY, MA, KS, SC, NH, NC, FL, CT, CO, AL, TN, OH, AZ, NV, IL, ID, IA, DE, TX, GA, DC, CA, VT, NJ, OK, WA, UT, ME, PA, OR, MD, VA, MO; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 177033
NMLS#: 177033
About Brendan A Doyle
Brendan Doyle is an Executive Financial Services Director, Portfolio Management Director, Senior Vice President, and Financial Advisor with The Pathak Group at Morgan Stanley. With 16 years of experience in the financial services industry, Brendan concentrates on financial planning, executive stock plans, and deferred compensation plans for corporate executives in the technology, bio-tech, and pharmaceuticals industries.
Brendan developed a strong work ethic at an early age. His father was an Executive Vice President at the College Board, a non-profit that creates standardized-testing (the SAT, etc). In high school, Brendan participated in a program at Bentley University called Wall Street 101, which ignited his passion for finance. He went on to earn his B.S. in Economics and Finance at Bentley, and became a Financial Services Associate at Prudential Financial. He joined Morgan Stanley in 2008.
At The Pathak Group, Brendan forms personal relationships with his clients to discover the specific goals they have set for themselves and their families. Whether their hopes are to retire early, plan for the next generation or preserve and grow their assets, Brendan offers strategies to mitigate taxes, properly utilize debt, and manage risk. Relying on creative solutions to the unique problems his clients face, Brendan’s analytical skills and meticulous attention to detail serve his clients well in planning for both the present and the future.
Morgan Stanley has acknowledged Brendan’s success by nominating him to its Pacesetters Club every year since 2012. This elite global program recognizes Financial Advisors who, within their first five years, demonstrate the highest professional standards along with outstanding client service.
Brendan is an Eagle Scout, and in his spare time enjoys travel, golf, and visiting Cape Cod. He and his wife have 3 children and live in Quincy, MA.
Brendan developed a strong work ethic at an early age. His father was an Executive Vice President at the College Board, a non-profit that creates standardized-testing (the SAT, etc). In high school, Brendan participated in a program at Bentley University called Wall Street 101, which ignited his passion for finance. He went on to earn his B.S. in Economics and Finance at Bentley, and became a Financial Services Associate at Prudential Financial. He joined Morgan Stanley in 2008.
At The Pathak Group, Brendan forms personal relationships with his clients to discover the specific goals they have set for themselves and their families. Whether their hopes are to retire early, plan for the next generation or preserve and grow their assets, Brendan offers strategies to mitigate taxes, properly utilize debt, and manage risk. Relying on creative solutions to the unique problems his clients face, Brendan’s analytical skills and meticulous attention to detail serve his clients well in planning for both the present and the future.
Morgan Stanley has acknowledged Brendan’s success by nominating him to its Pacesetters Club every year since 2012. This elite global program recognizes Financial Advisors who, within their first five years, demonstrate the highest professional standards along with outstanding client service.
Brendan is an Eagle Scout, and in his spare time enjoys travel, golf, and visiting Cape Cod. He and his wife have 3 children and live in Quincy, MA.
Securities Agent: CA, MT, OK, VT, UT, PA, NV, MD, WA, SC, NH, MO, IN, VA, MI, MA, GA, DE, NC, ME, FL, CO, TX, NY, NJ, CT, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1398704
NMLS#: 1398704
About Joseph A Ferrante
Joe Ferrante is a highly accomplished finance professional with over 40 years of dedicated service at Morgan Stanley.
As First Vice President and Portfolio Management Director he leverages a keen understanding of investment strategies and market dynamics to provide customized investment strategies for high net worth individual, family, and institutional clients.
He also serves as a Director for Morgan Stanley's Executive Financial Services, assisting clients in the diversification of concentrated positions in control and restricted stocks through Rule 144 and 10b5-1 transactions, collateral loans, corporate executive blind trusts and derivatives.
A graduate from Northeastern University, Joe received a Bachelor of Science (B.S.) degree in Finance as well a Master of Business Administration (M.B.A.) degree.
He was born and raised in Framingham, Massachusetts and currently resides in Franklin, Massachusetts where he enjoys spending time with his wife, Margaret, his daughter Rachel and his two grandchildren. He is an accomplished sailor and enjoys playing golf at Franklin Country Club.
As First Vice President and Portfolio Management Director he leverages a keen understanding of investment strategies and market dynamics to provide customized investment strategies for high net worth individual, family, and institutional clients.
He also serves as a Director for Morgan Stanley's Executive Financial Services, assisting clients in the diversification of concentrated positions in control and restricted stocks through Rule 144 and 10b5-1 transactions, collateral loans, corporate executive blind trusts and derivatives.
A graduate from Northeastern University, Joe received a Bachelor of Science (B.S.) degree in Finance as well a Master of Business Administration (M.B.A.) degree.
He was born and raised in Framingham, Massachusetts and currently resides in Franklin, Massachusetts where he enjoys spending time with his wife, Margaret, his daughter Rachel and his two grandchildren. He is an accomplished sailor and enjoys playing golf at Franklin Country Club.
Securities Agent: OH, VA, MI, WA, NJ, VT, GA, NY, CO, CA, NC, DE, TX, MO, ME, SC, AZ, IN, RI, MD, CT, UT, PA, NH, MA, FL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 181880
NMLS#: 181880
About Bruce E Lord
Bruce Lord is a Vice President, Financial Planning Specialist and Financial Advisor with the Pathak Group at Morgan Stanley. Bruce has 36 years experience in the financial services industry and focuses on retirement planning strategies and developing an overall financial plan for his clients. Bruce joined Morgan Stanley in 2001 so he could offer a full range of services to his clients.
Prior to joining Morgan Stanley he held positions with First Union Bank and Marketing One Securities Inc. where his primary focus was building investment programs within banks and other financial institutions to offer expanded financial services to the bank’s clients.
Bruce studied finance at St. Joseph’s University in Philadelphia. He holds his Series 7, 63, 65, 31 and Securities Principal (24) licenses.
In his spare time Bruce has been a School Board Director in his home town of Springfield PA as well as volunteering with the Philadelphia Special Olympics. He enjoys spending his summer weekend in Ocean City NJ with his wife and 3 adult children.
Prior to joining Morgan Stanley he held positions with First Union Bank and Marketing One Securities Inc. where his primary focus was building investment programs within banks and other financial institutions to offer expanded financial services to the bank’s clients.
Bruce studied finance at St. Joseph’s University in Philadelphia. He holds his Series 7, 63, 65, 31 and Securities Principal (24) licenses.
In his spare time Bruce has been a School Board Director in his home town of Springfield PA as well as volunteering with the Philadelphia Special Olympics. He enjoys spending his summer weekend in Ocean City NJ with his wife and 3 adult children.
Securities Agent: NY, NH, MI, MD, FL, CA, PA, AL, WA, VA, TX, TN, DE, AZ, WV, NJ, IL, HI, GA, VT, UT, MA, NC, ME, SC, MO, KY, CT, CO, OH; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1805355
NMLS#: 1805355
About Jack Kirstien
Jack Kirstien, CFP® is a Financial Advisor with The Pathak Group at Morgan Stanley. With over 15 years of experience in the financial services industry, he focuses on retirement planning strategies and developing an overall financial plan for his clients.
Born and raised in Delaware County, PA Jack received his B.S. in Business Administration from Temple University in 2005. He began his career in 2006 when he joined Delaware Investments and in 2008, accepted a wholesaling position with Lincoln Financial in Radnor, Pennsylvania, where he garnered substantial experience in retirement solutions and insurance. In 2011 he moved on to a similar position with Prudential Annuities in Dresher, PA. In 2018, Jack obtained his CERTIFIED FINANCIAL PLANNER™ designation. CFP® professionals have completed extensive training and experience requirements, and are held to higher ethical standards. Shortly after becoming a CFP® professional, Jack joined Morgan Stanley in Newtown Square, PA.
Jack currently resides in Springfield, Pennsylvania, with his wife, Jamie, daughter, Eloisa and son, Theo. In his free time, Jack enjoys playing golf, trips to Long Beach Island, NJ and spending time with family.
Born and raised in Delaware County, PA Jack received his B.S. in Business Administration from Temple University in 2005. He began his career in 2006 when he joined Delaware Investments and in 2008, accepted a wholesaling position with Lincoln Financial in Radnor, Pennsylvania, where he garnered substantial experience in retirement solutions and insurance. In 2011 he moved on to a similar position with Prudential Annuities in Dresher, PA. In 2018, Jack obtained his CERTIFIED FINANCIAL PLANNER™ designation. CFP® professionals have completed extensive training and experience requirements, and are held to higher ethical standards. Shortly after becoming a CFP® professional, Jack joined Morgan Stanley in Newtown Square, PA.
Jack currently resides in Springfield, Pennsylvania, with his wife, Jamie, daughter, Eloisa and son, Theo. In his free time, Jack enjoys playing golf, trips to Long Beach Island, NJ and spending time with family.
Securities Agent: NC, CA, PA, OH, WA, VT, NM, KS, AL, UT, MA, IN, HI, MT, AZ, VA, NH, TN, SC, MI, FL, NY, NJ, MO, ME, LA, DE, WV, TX, MD, CO, KY, IL, GA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1838644
NMLS#: 1838644
About Justin R Fuery
Justin Fuery is a Vice President, Portfolio Manager and Financial Advisor at the Pathak Group. Justin has nearly 20 years of experience and a strong commitment to helping clients achieve their long-term financial and life objectives.
Prior to joining the firm, he spent several years at KPMG, a Big 4 accounting firm, where he focused on public accounting and financial statement audits within the financial services sector.
As a member of the Pathak Group, Justin is dedicated to working closely with individuals, families, and entrepreneurs to develop personalized investment and financial strategies tailored to their needs and best interests. His primary responsibilities include crafting tax-efficient investment strategies, developing asset allocation policies, managing executive compensation, overseeing philanthropic planning, and leveraging Morgan Stanley’s Private Bank.
He graduated magna cum laude with a B.S. in Accountancy from Bentley University, where he served as president of Beta Alpha Psi and was a member of Beta Gamma Sigma honor society. He has also earned a place in Morgan Stanley Wealth Management's Pacesetter’s Club, recognizing advisors who exemplify high professional standards and exceptional client service.
Outside of the office, Justin enjoys playing golf, skiing, exercising, and spending time with friends and family. He currently resides in Boston’s Charlestown neighborhood.
Prior to joining the firm, he spent several years at KPMG, a Big 4 accounting firm, where he focused on public accounting and financial statement audits within the financial services sector.
As a member of the Pathak Group, Justin is dedicated to working closely with individuals, families, and entrepreneurs to develop personalized investment and financial strategies tailored to their needs and best interests. His primary responsibilities include crafting tax-efficient investment strategies, developing asset allocation policies, managing executive compensation, overseeing philanthropic planning, and leveraging Morgan Stanley’s Private Bank.
He graduated magna cum laude with a B.S. in Accountancy from Bentley University, where he served as president of Beta Alpha Psi and was a member of Beta Gamma Sigma honor society. He has also earned a place in Morgan Stanley Wealth Management's Pacesetter’s Club, recognizing advisors who exemplify high professional standards and exceptional client service.
Outside of the office, Justin enjoys playing golf, skiing, exercising, and spending time with friends and family. He currently resides in Boston’s Charlestown neighborhood.
Securities Agent: FL, MA, CA, DE, MN, TX, CT, WA, MI, ME, MD, NY, NC, MO, PA, NJ, NH, VT, OH, CO, AZ, IL, VA, UT, SC, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1380611
NMLS#: 1380611
About Brian Gossman
Brian J. Gossman is a Vice President and Group Director with The Pathak Group at Morgan Stanley. With 13 years of experience in the financial services industry, Brian is responsible for the execution of our client service model as well as the operation and administration of the group's practice.
A graduate of West Chester University, Brian graduated summa cum laude with a B.S. in Finance in 2005. He began his career in the financial services industry as an account officer with JP Morgan Private Bank, where he refined his skills in client services, operations, and reporting. He joined The Pathak Group at Morgan Stanley in 2006, and was soon promoted to Group Director, a position held by only a handful of people throughout Morgan Stanley.
With his extensive administrative and organizational skills, Brian manages the day-to-day operations of The Pathak Group. His efficiency ensures that clients receive the most up-to-date information and the highest level of client service. Brian's patience, his accessibility, and his calm demeanor make him an invaluable resource for all the team's clients.
In his free time, Brian enjoys home improvement projects, reading, and going to the beach. Originally from the Philadelphia area, he is an avid Philadelphia Eagles fan. Brian and his wife have two children and live in Plymouth, MA.
A graduate of West Chester University, Brian graduated summa cum laude with a B.S. in Finance in 2005. He began his career in the financial services industry as an account officer with JP Morgan Private Bank, where he refined his skills in client services, operations, and reporting. He joined The Pathak Group at Morgan Stanley in 2006, and was soon promoted to Group Director, a position held by only a handful of people throughout Morgan Stanley.
With his extensive administrative and organizational skills, Brian manages the day-to-day operations of The Pathak Group. His efficiency ensures that clients receive the most up-to-date information and the highest level of client service. Brian's patience, his accessibility, and his calm demeanor make him an invaluable resource for all the team's clients.
In his free time, Brian enjoys home improvement projects, reading, and going to the beach. Originally from the Philadelphia area, he is an avid Philadelphia Eagles fan. Brian and his wife have two children and live in Plymouth, MA.
About Eric Carpenter
Eric Carpenter is an Assistant Vice President and Marketing & Communications Director with The Pathak Group at Morgan Stanley. With over 21 years of experience in the financial services industry, Eric's responsibilities include proactive client communications, marketing campaigns, client relationship management, and providing financial education to clients' younger family members.
In 1999 Eric graduated from Bridgewater State College with a degree in Business Administration, and began his career in the financial services industry at Legg Mason Wood Walker. He started as a sales assistant in portfolio management services where he honed his skills in stock research and analysis. Moving to Deutsche Bank in 2003, he provided portfolio analysis for corporate executives, foundations, and endowments as a Registered Marketing Associate. Eric joined The Pathak Group at Morgan Stanley in 2005.
Working closely with his team to evaluate investment managers and funds, Eric facilitates trades in the team's Portfolio Managed Accounts and Municipal Bond Portfolios. He also manages the team's Next Generation initiative, an educational workshop that teaches their client's children about the importance of saving, budgeting, investing, and financial planning.
In his free time Eric likes to read, golf, and play recreational basketball, soccer, and softball. He and his wife have four children and live in Berlin, MA.
In 1999 Eric graduated from Bridgewater State College with a degree in Business Administration, and began his career in the financial services industry at Legg Mason Wood Walker. He started as a sales assistant in portfolio management services where he honed his skills in stock research and analysis. Moving to Deutsche Bank in 2003, he provided portfolio analysis for corporate executives, foundations, and endowments as a Registered Marketing Associate. Eric joined The Pathak Group at Morgan Stanley in 2005.
Working closely with his team to evaluate investment managers and funds, Eric facilitates trades in the team's Portfolio Managed Accounts and Municipal Bond Portfolios. He also manages the team's Next Generation initiative, an educational workshop that teaches their client's children about the importance of saving, budgeting, investing, and financial planning.
In his free time Eric likes to read, golf, and play recreational basketball, soccer, and softball. He and his wife have four children and live in Berlin, MA.
About Matthew LaPaglia
Matthew LaPaglia is a Senior Client Service Associate with The Pathak Group at Morgan Stanley. With over 13 years of experience in the financial services industry, Matthew concentrates on research, analysis, and trading.
In 2004 Matthew received his B.A. in Geology from Colby College where he was Captain of the Varsity Lacrosse team.
Upon graduation, Matthew entered the financial services industry as an Auditor and Portfolio Accountant with State Street Bank. In 2008 he further refined his analytical skills as a Senior Research Associate in the Capital Markets Research Group at Cambridge Associates, LLC. There he worked on ad hoc projects, created market commentaries, and analyzed market trends.
Matthew came to Morgan Stanley in 2012. As Senior Client Service Associate in Private Wealth Management, he was responsible for design, development, and process automation of all client- facing materials including presentations and reports on asset allocation, portfolio performance, and specific industry research.
In 2015, Matthew joined The Pathak Group at Morgan Stanley, where he utilizes his extensive technical knowledge to create comprehensive investment strategies for the team's clients. His colleagues rely on his research and analysis to develop data regarding asset allocation and portfolio performance. In his free time, Matthew runs, skis, and golfs. His interests include history and cars.
In 2004 Matthew received his B.A. in Geology from Colby College where he was Captain of the Varsity Lacrosse team.
Upon graduation, Matthew entered the financial services industry as an Auditor and Portfolio Accountant with State Street Bank. In 2008 he further refined his analytical skills as a Senior Research Associate in the Capital Markets Research Group at Cambridge Associates, LLC. There he worked on ad hoc projects, created market commentaries, and analyzed market trends.
Matthew came to Morgan Stanley in 2012. As Senior Client Service Associate in Private Wealth Management, he was responsible for design, development, and process automation of all client- facing materials including presentations and reports on asset allocation, portfolio performance, and specific industry research.
In 2015, Matthew joined The Pathak Group at Morgan Stanley, where he utilizes his extensive technical knowledge to create comprehensive investment strategies for the team's clients. His colleagues rely on his research and analysis to develop data regarding asset allocation and portfolio performance. In his free time, Matthew runs, skis, and golfs. His interests include history and cars.
About Brianna Abramo
Brianna Abramo is a Client Service Associate with The Pathak Group at Morgan Stanley. With nearly five of experience in the financial industry, Brianna focuses on client services, as well as the operation and administration of the group's practice.
In 2014, Brianna graduated from University of Massachusetts Boston with B.S. in Business Management and Finance. After graduation Brianna began working for a commercial real estate firm where she advanced her skills in business development and reporting while gaining exposure to financial processes.
Brianna is responsible for managing client accounts and facilitates in the day-to-day operations of The Pathak Group. Her exceptional time management and organizational skills help ensure quality service for the team's clients.
In her free time Brianna enjoys hiking, playing volleyball and spending time with family and friends. She actively supports the MSPCA and Massachusetts Vest-a-Dog whose efforts support law enforcement K9s. Brianna recently adopted a German Shepherd puppy named Maverick. Brianna currently resides in Boston's North End.
In 2014, Brianna graduated from University of Massachusetts Boston with B.S. in Business Management and Finance. After graduation Brianna began working for a commercial real estate firm where she advanced her skills in business development and reporting while gaining exposure to financial processes.
Brianna is responsible for managing client accounts and facilitates in the day-to-day operations of The Pathak Group. Her exceptional time management and organizational skills help ensure quality service for the team's clients.
In her free time Brianna enjoys hiking, playing volleyball and spending time with family and friends. She actively supports the MSPCA and Massachusetts Vest-a-Dog whose efforts support law enforcement K9s. Brianna recently adopted a German Shepherd puppy named Maverick. Brianna currently resides in Boston's North End.
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About Emely Nunez
Emely Nunez is a Client Service Associate with The Pathak Group at Morgan Stanley. With nearly three years of experience in the financial industry, Emely focuses on client services, administration, operations, marketing, and client communication for the group.
Emely is currently pursuing her degree in Marketing at the University of Massachusetts Lowell.
In her free time Emely enjoys trying new restaurants and cuisines as well as traveling to learn about new cultures. She is passionate about volunteer initiatives that promote equity and access to education. Emely was born and raised in Washington, DC and currently resides in Malden, MA.
Emely is currently pursuing her degree in Marketing at the University of Massachusetts Lowell.
In her free time Emely enjoys trying new restaurants and cuisines as well as traveling to learn about new cultures. She is passionate about volunteer initiatives that promote equity and access to education. Emely was born and raised in Washington, DC and currently resides in Malden, MA.
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Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
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1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
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 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.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8When 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.
9Alternative 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
13Morgan 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
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
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 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.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8When 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.
9Alternative 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
13Morgan 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
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures
CRC 6491812 (04/2024)
