Phone:
(516) 227-2837(516) 227-2837
The Peninsula Group at Morgan Stanley
Our Mission Statement
Your financial future is our focus, and we believe in your success. Drawing from a century of expertise, we offer a wide range of solutions to help you build a secure future for you and your family.
Our Story and Services
With over a century of experience, our highly experienced team harnesses and leverages the vast market experience of our partners through up and down markets to tailor financial solutions that are based on individual needs.
Whether you are an executive, retiree, or family looking for a broad financial plan or income-based solutions, our team can custom tailor a financial plan based on your personal goals and needs, while leveraging the resources of our team and firm.
We understand that no two clients are alike, and we are committed to providing you with the personalized attention and guidance you need to achieve your financial goals. Our team has the expertise and experience to help you navigate the complex financial landscape and develop a plan that is right for you.
We offer a wide range of financial solutions, including investment management, retirement planning, estate planning, and insurance. We are here to help you achieve your financial goals and build a secure future for yourself and your loved ones.
TEAM AWARDS
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Whether you are an executive, retiree, or family looking for a broad financial plan or income-based solutions, our team can custom tailor a financial plan based on your personal goals and needs, while leveraging the resources of our team and firm.
We understand that no two clients are alike, and we are committed to providing you with the personalized attention and guidance you need to achieve your financial goals. Our team has the expertise and experience to help you navigate the complex financial landscape and develop a plan that is right for you.
We offer a wide range of financial solutions, including investment management, retirement planning, estate planning, and insurance. We are here to help you achieve your financial goals and build a secure future for yourself and your loved ones.
TEAM AWARDS
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Services Include
- Wealth PlanningFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Wealth ManagementFootnote3
- Business PlanningFootnote4
- Financial PlanningFootnote5
- Asset Management
- Estate Planning StrategiesFootnote6
- Municipal BondsFootnote7
- Fixed IncomeFootnote8
- Qualified Retirement PlansFootnote9
- Corporate Retirement PlansFootnote10
- Alternative InvestmentsFootnote11
- Long-term Care InsuranceFootnote12
- Life InsuranceFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
FINANCIAL PLANNING WITH THE PENINSULA GROUP
The Peninsula Group will help you create a personalized wealth strategy that meets your unique needs and goals. We leverage our vast resources to understand your financial situation, discuss your needs, goals, and risk tolerance, and develop a plan that is right for you. We then work with you to implement your plan and monitor your progress over time. We are committed to providing you with the highest level of service and support.
1. Discover
We start by getting to know you and your financial goals. We want to understand your needs, lifestyle, and family situation so that we can develop a customized financial plan that meets your unique needs.
2. Advise
We work with you to develop investment strategies that help you achieve your financial goals. We will consider your risk tolerance, time horizon, and investment objectives to create a plan that is right for you.
3. Implement
We help you implement your financial plan by selecting the appropriate investments and accounts. We will also monitor your progress and make adjustments as needed to ensure that you are on track to meet your goals.
4. Track Progress
We track your progress and help you stay on track to achieve your financial goals. We will provide you with regular updates on your investment performance and make recommendations for any changes that may be necessary.
CORE CAPABILITIES
The Peninsula Group is committed to providing advice to help you achieve your financial goals.
Our goal is to fully understand your finances so we can help customize a wealth plan that proactively aligns your finances and investments. Our objective is to earn your confidence not only through the quality of solutions we provide to you, but also through the excellence with which we deliver them.
Our goal is to fully understand your finances so we can help customize a wealth plan that proactively aligns your finances and investments. Our objective is to earn your confidence not only through the quality of solutions we provide to you, but also through the excellence with which we deliver them.
Wealth Management
At Morgan Stanley Wealth Management, exclusive access
to vast resources, combined with our unique capabilities,
gives us the means to support your goals at every life
stage. We provide a range of solutions to meet you where
you are—no matter your starting point or preferred
investing approach. We understand that as family or
institutional wealth increases, the implementation of
investment strategies becomes increasingly complex end
portfolios require close monitoring to remain within
intended parameters.
Learn More About Our Wealth Management Servicesto vast resources, combined with our unique capabilities,
gives us the means to support your goals at every life
stage. We provide a range of solutions to meet you where
you are—no matter your starting point or preferred
investing approach. We understand that as family or
institutional wealth increases, the implementation of
investment strategies becomes increasingly complex end
portfolios require close monitoring to remain within
intended parameters.
Retirement Planning
We are here to help you create a well-rounded planning
approach for retirement and create your estate planning
strategy designed to preserve, manage, and distribute
your assets during and after your lifetime, while helping
to minimize taxation. We are here to help manage your
employer's retirement plan (i.e. 401(k) plan), identify your
personal goals, track your progress toward achieving
them and work together to create a customized plan.
View Insights on Retirement Planningapproach for retirement and create your estate planning
strategy designed to preserve, manage, and distribute
your assets during and after your lifetime, while helping
to minimize taxation. We are here to help manage your
employer's retirement plan (i.e. 401(k) plan), identify your
personal goals, track your progress toward achieving
them and work together to create a customized plan.
Risk Analysis
We take a holistic approach to managing your finances by
identifying risk outliers and understanding the Impact of
market scenarios. We leverage Morgan Stanley's Portfolio
Risk Platform and the risk analytics integrated to
understand risk insights across thousands of risk
factors. We can instantly analyze an entire portfolio,
including assets held elsewhere, which helps identify and
mitigate your risk.
Introducing the New Portfolio Risk Platformidentifying risk outliers and understanding the Impact of
market scenarios. We leverage Morgan Stanley's Portfolio
Risk Platform and the risk analytics integrated to
understand risk insights across thousands of risk
factors. We can instantly analyze an entire portfolio,
including assets held elsewhere, which helps identify and
mitigate your risk.
Portfolio Management
We study investment trends and leverage the global
resources of the firm to help you develop a personalized
investment strategy. We'll develop a customized portfolio
to meet your requirements for growth, income and wealth
conservation within your risk constraints. Our experience,
training and investment philosophy offer guidance—both
in ongoing portfolio management decisions end
understanding investment risk while keeping your long-
term goals in view.
resources of the firm to help you develop a personalized
investment strategy. We'll develop a customized portfolio
to meet your requirements for growth, income and wealth
conservation within your risk constraints. Our experience,
training and investment philosophy offer guidance—both
in ongoing portfolio management decisions end
understanding investment risk while keeping your long-
term goals in view.
Workplace Advisors
As the administrator of your company's equity
compensation plan, we pride ourselves on helping you manage your awards effectively. We are here to provide
easy access to your account, answer questions about your awards and handle your transactions accurately and
conveniently. We help build financial confidence through
insightful advice, thoughtful education end cutting-edge
technology across a suite of workplace solutions.
Learn More About Our Financial Wellness Programcompensation plan, we pride ourselves on helping you manage your awards effectively. We are here to provide
easy access to your account, answer questions about your awards and handle your transactions accurately and
conveniently. We help build financial confidence through
insightful advice, thoughtful education end cutting-edge
technology across a suite of workplace solutions.
Cash Management & Lending
As a client, you will have access to a suite of cash
management solutions as a competitive alternative to a
traditional bank. Through your Morgan Stanley Active
Assets Account or CashPIus Brokerage Account, you can
access a full suite of Cash Management Solutions to help
you manage your everyday finances. Additionally, we're
able to provide qualified clients with financing solutions
for almost any personal or business need using the
eligible securities in your brokerage account as collateral
for a flexible line of credit.
management solutions as a competitive alternative to a
traditional bank. Through your Morgan Stanley Active
Assets Account or CashPIus Brokerage Account, you can
access a full suite of Cash Management Solutions to help
you manage your everyday finances. Additionally, we're
able to provide qualified clients with financing solutions
for almost any personal or business need using the
eligible securities in your brokerage account as collateral
for a flexible line of credit.
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative InvestmentsRetirement Deep Dive
The Chartered Retirement Planning Counselor (CRPC) designation distinguishes financial advisors and other retirement professionals as experts in helping clients prepare for retirement. As two of our team members hold this designation, retirement is a strong focus of how we help our clients.
We will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, we are equipped with the resources and the knowledge to help you accomplish your personal and financial goals.
We will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, we are equipped with the resources and the knowledge to help you accomplish your personal and financial goals.
Understanding your Savings Vehicles
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you learn how to grow and preserve your wealth.
The Psychological Transition into Retirement
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations and help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it’s important to be emotionally (not just financially) ready for retirement.
Risks to Your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
The Impact of Taxes
The strategies you use when drawing down your retirement savings can have a significant impact on how much you’ll pay in taxes and may help you keep more of the returns. Each retiree’s situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Resources
We have curated a comprehensive range of resources to help you manage your wealth effectively and enrich your financial journey. These resources include cutting-edge market insights, personalized advisory services, and state-of-the-art investment platforms. Our goal is to provide you with the tools you need to make informed decisions and achieve your financial aspirations.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that awards 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.
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that we can use to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
Learn More About LifeView
Women and Wealth
Supporting women throughout their financial lives is at the core of our values. This dedication and experience make us uniquely suited to help women reach their financial and career goals, no matter where they are on their journey.
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership, timely market commentary, and portfolio ideas to help guide your investment decisions.
Donor Advised Funds (DAF)
A tax-efficient way to donate more complex assets, simplify reporting, and maintain control over the amounts and timing of your charitable contributions. Bring philanthropy into your wealth plan and amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
Location
1200 Franklin Avenue 2nd
Fl
Garden City, NY 11530
US
Direct:
(516) 227-2917(516) 227-2917
Meet The Peninsula Group
Phone:
(516) 227-2968(516) 227-2968
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(516) 227-2917(516) 227-2917
First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist, Chartered Retirement Planning Counselor
Phone:
(516) 227-2863(516) 227-2863
Phone:
(516) 683-3135(516) 683-3135
David Janczyk
Registered Client Service Associate
Phone:
(516) 227-2949(516) 227-2949
Nicholas Crocco
Registered Client Service Associate
Phone:
(516) 227-2966(516) 227-2966
About Lionel M Goldberg
Lionel M Goldberg is passionate about helping others achieve their dreams and has dedicated his entire adult life to the financial services industry. With a strong foundation built on the value of hard work since his youth, Lionel’s approach to financial advising is grounded in a deep understanding of his clients’ needs and aspirations.
With over three decades of experience, Lionel’s unique approach revolves around collaborating with his clients to identify their financial goals and needs. He believes in guiding them through the process, ensuring they comprehend every step and decision along the way. Lionel’s commitment to comprehensiveness means he refrains from making recommendations until he has a holistic view of his clients’ current and future cash requirements. One of Lionel’s favorite aspects of his work is witnessing that “aha” moment when his clients realize they’re on track to achieve their goals.
As a financial advisor, Lionel prides himself on his thoroughness and dedication to his clients’ financial success. Lionel started his financial career at Ithaca College, where he received his B.S. in Business Management. From there, he joined Prudential Securities in June 1986 and transitioned to Smith Barney in October 2000, which later became part of Morgan Stanley.
Outside of Lionel’s professional life, he finds joy in spending time with his family and friends in Hewlett, NY, where he has resided for over three decades. He enjoys the summer months engaging in activities like beach outings, tennis, pickleball, and spending quality time with his wife Judy, and their three adult children, Michelle, Samantha, and Robert. Lionel embraces life both in and out of the office.
With over three decades of experience, Lionel’s unique approach revolves around collaborating with his clients to identify their financial goals and needs. He believes in guiding them through the process, ensuring they comprehend every step and decision along the way. Lionel’s commitment to comprehensiveness means he refrains from making recommendations until he has a holistic view of his clients’ current and future cash requirements. One of Lionel’s favorite aspects of his work is witnessing that “aha” moment when his clients realize they’re on track to achieve their goals.
As a financial advisor, Lionel prides himself on his thoroughness and dedication to his clients’ financial success. Lionel started his financial career at Ithaca College, where he received his B.S. in Business Management. From there, he joined Prudential Securities in June 1986 and transitioned to Smith Barney in October 2000, which later became part of Morgan Stanley.
Outside of Lionel’s professional life, he finds joy in spending time with his family and friends in Hewlett, NY, where he has resided for over three decades. He enjoys the summer months engaging in activities like beach outings, tennis, pickleball, and spending quality time with his wife Judy, and their three adult children, Michelle, Samantha, and Robert. Lionel embraces life both in and out of the office.
Securities Agent: WA, NJ, MD, FL, TN, IL, NY, DC, NV, HI, CT, DE, SC, TX, NM, MN, VA, MA, GA, CA, AZ, NC, PA, OH, CO; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1253119
NMLS#: 1253119
About Michael J Maher Jr.
Michael Maher Jr. is a dedicated financial advisor who thrives on helping clients achieve their financial aspirations. With a deep-rooted passion for guiding individuals and families through various life stages, Michael values the trust bestowed upon him by multiple generations of clients.
Michael's journey into financial advisory began at an early age, shaped by vital lessons from his parents. As a youngster, he ventured into entrepreneurial endeavors like lawn mowing and snow shoveling, where his father instilled the importance of saving, budgeting, and prudent financial management. These formative experiences ignited Michael's lifelong ambition to become a financial advisor, a dream he harbored since the 3rd grade.
Guided by the golden rule, "treat others the way you want to be treated," Michael approaches each client relationship with empathy, understanding, and a commitment to personalized service. He recognizes that every client is unique, some may have the same amount of money, but every client has distinct financial goals and risk tolerances. Thus, he tailors financial plans to suit individual needs, fostering strong and enduring partnerships.
Driven by a desire to make a meaningful impact in people's lives, Michael chose the path of a financial advisor to empower others in reaching their financial aspirations. His unwavering dedication to his clients' well-being resonates in every interaction, reflecting his genuine passion for the business.
Michael embarked on his financial services career in 1992, joining Shearson Lehman Brothers while still pursuing his education. He holds a Bachelor's degree in Finance from St. John's University. Throughout his career, Michael has remained steadfast in his commitment to serving clients, a journey that led him to Morgan Stanley, where he continues to make a difference in the lives of those he serves.
Outside of his professional endeavors, Michael finds joy in exploring the world with his wife Nathalie. Together, they embrace adventure, having traveled to approximately 35 countries and embarked on thrilling journeys like great white shark cage diving in South Africa and navigating the Zambezi River's rapids in Zambia.
Michael's journey into financial advisory began at an early age, shaped by vital lessons from his parents. As a youngster, he ventured into entrepreneurial endeavors like lawn mowing and snow shoveling, where his father instilled the importance of saving, budgeting, and prudent financial management. These formative experiences ignited Michael's lifelong ambition to become a financial advisor, a dream he harbored since the 3rd grade.
Guided by the golden rule, "treat others the way you want to be treated," Michael approaches each client relationship with empathy, understanding, and a commitment to personalized service. He recognizes that every client is unique, some may have the same amount of money, but every client has distinct financial goals and risk tolerances. Thus, he tailors financial plans to suit individual needs, fostering strong and enduring partnerships.
Driven by a desire to make a meaningful impact in people's lives, Michael chose the path of a financial advisor to empower others in reaching their financial aspirations. His unwavering dedication to his clients' well-being resonates in every interaction, reflecting his genuine passion for the business.
Michael embarked on his financial services career in 1992, joining Shearson Lehman Brothers while still pursuing his education. He holds a Bachelor's degree in Finance from St. John's University. Throughout his career, Michael has remained steadfast in his commitment to serving clients, a journey that led him to Morgan Stanley, where he continues to make a difference in the lives of those he serves.
Outside of his professional endeavors, Michael finds joy in exploring the world with his wife Nathalie. Together, they embrace adventure, having traveled to approximately 35 countries and embarked on thrilling journeys like great white shark cage diving in South Africa and navigating the Zambezi River's rapids in Zambia.
Securities Agent: NM, NJ, AZ, VA, NC, ME, PA, NV, GA, OH, WV, SC, OR, CT, CO, CA, MI, WA, DC, MN, NY, MO, FL, TN, IL, ID, TX, MT, MD, MA, HI, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 2115910
NMLS#: 2115910
About Radcliffe Blackwood Jr.
Radcliffe Blackwood Jr (J.R.), is a dedicated financial advisor whose passion lies in positively impacting the lives of clients. With a keen eye for numbers and a desire to alleviate financial stress, J.R. embarked on a career path that merges his expertise in banking with his commitment to holistic financial planning.
Growing up as the son of a math teacher and engineer, J.R. developed an early affinity for numbers. His prior career in banking equipped him with a comprehensive understanding of various financial aspects, including lending, investments, and debt management. This diverse background laid the foundation for his unique approach to financial advising, centered around a three-step model. His three-step model consists of an Introduction Call to assess if the prospective client is a good fit, a Discovery Meeting to understand the client’s dreams, wishes, and fears around money, and lastly, put together a tangible plan and guide the client along the way.
What sets J.R. apart from his competitors is his genuine care for his clients’ well-being. He prioritizes building strong relationships and takes the time to truly understand each client’s individual needs. This client-centric approach has earned him a reputation as a trusted partner, resulting in a majority of his clientele coming from referrals.
J.R.’s commitment to serving his community extends beyond the realm of finance. As an active member of the Caribbean community, he lends his support to organizations like JAMCCAR, which provides community service and scholarships.
Outside of work, J.R. finds joy in spending time with his family. He resides in Wantagh, NY with his wife Tina and son Radcliffe III, affectionately known as JJ. An avid sports fan, J.R. cheers for teams like the Giants, Yankees, Knicks, and Manchester United. He also shares a passion for music, inherited from his family’s lineage of DJs and artists, and enjoys traveling to explore new cultures.
Since beginning his journey in the financial services industry in 2012 at JP Morgan Chase, J.R. joined Morgan Stanley in 2016, where he continues to make a difference in the lives of his clients. J.R. acquired his B.S. in Marketing from SUNY Old Westbury and brings a unique blend of expertise, passion, and dedication to his role as a financial advisor.
Growing up as the son of a math teacher and engineer, J.R. developed an early affinity for numbers. His prior career in banking equipped him with a comprehensive understanding of various financial aspects, including lending, investments, and debt management. This diverse background laid the foundation for his unique approach to financial advising, centered around a three-step model. His three-step model consists of an Introduction Call to assess if the prospective client is a good fit, a Discovery Meeting to understand the client’s dreams, wishes, and fears around money, and lastly, put together a tangible plan and guide the client along the way.
What sets J.R. apart from his competitors is his genuine care for his clients’ well-being. He prioritizes building strong relationships and takes the time to truly understand each client’s individual needs. This client-centric approach has earned him a reputation as a trusted partner, resulting in a majority of his clientele coming from referrals.
J.R.’s commitment to serving his community extends beyond the realm of finance. As an active member of the Caribbean community, he lends his support to organizations like JAMCCAR, which provides community service and scholarships.
Outside of work, J.R. finds joy in spending time with his family. He resides in Wantagh, NY with his wife Tina and son Radcliffe III, affectionately known as JJ. An avid sports fan, J.R. cheers for teams like the Giants, Yankees, Knicks, and Manchester United. He also shares a passion for music, inherited from his family’s lineage of DJs and artists, and enjoys traveling to explore new cultures.
Since beginning his journey in the financial services industry in 2012 at JP Morgan Chase, J.R. joined Morgan Stanley in 2016, where he continues to make a difference in the lives of his clients. J.R. acquired his B.S. in Marketing from SUNY Old Westbury and brings a unique blend of expertise, passion, and dedication to his role as a financial advisor.
Securities Agent: WA, PA, OR, NJ, FL, OH, MN, DE, NV, NM, NC, MD, KY, GA, TN, VA, SC, CO, HI, DC, TX, IL, AZ, CT, NY, MA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 991898
NMLS#: 991898
About Malka Bernstein
Having been a financial advisor for over 36 years, I have created lasting relationships with clients and families, including many multi-generational relationships. One of my passions is educating and advising women on the various aspects of financial planning and investing. Through the combination of my experience, drive, and extreme attention to detail, I am dedicated to helping you achieve your goals and working with you every step of the way.
My objective is to deliver customized programs designed to preserve and grow wealth, and simplify my client’s lives so they can focus on the people and pleasures that mean most to them. I empower clients to be confident in their financial decisions through knowledge and education, and am committed to informing my clients on all relevant financial subject matters, solutions, and market situations. For years I have not only counseled clients, but helped them prepare for life’s anticipated and unexpected moments.
I am proud of the services and solutions I offer and welcome the opportunity to provide this same service and standard of care to you. My broad experience combined with Morgan Stanley’s vast resources allow me to assist with almost every facet of financial services including investment management, retirement, legacy, philanthropy, and education planning. Working with an extensive network of specialists in insurance, structured solutions, estate planning and lending services compliments and deepens the advice I provide.
I am deeply involved in my community and speak Hebrew fluently. In my spare time I enjoy playing Bridge, Canasta, Pickleball, and taking my dogs to the park as well as spending time with family. Please schedule a time for us to chat, as I look forward to working together and achieving your goals.
My objective is to deliver customized programs designed to preserve and grow wealth, and simplify my client’s lives so they can focus on the people and pleasures that mean most to them. I empower clients to be confident in their financial decisions through knowledge and education, and am committed to informing my clients on all relevant financial subject matters, solutions, and market situations. For years I have not only counseled clients, but helped them prepare for life’s anticipated and unexpected moments.
I am proud of the services and solutions I offer and welcome the opportunity to provide this same service and standard of care to you. My broad experience combined with Morgan Stanley’s vast resources allow me to assist with almost every facet of financial services including investment management, retirement, legacy, philanthropy, and education planning. Working with an extensive network of specialists in insurance, structured solutions, estate planning and lending services compliments and deepens the advice I provide.
I am deeply involved in my community and speak Hebrew fluently. In my spare time I enjoy playing Bridge, Canasta, Pickleball, and taking my dogs to the park as well as spending time with family. Please schedule a time for us to chat, as I look forward to working together and achieving your goals.
Securities Agent: TX, TN, NM, MN, IL, VA, KY, NV, MA, HI, NH, MD, PA, CO, OH, GA, DC, AZ, CA, SC, NY, NJ, NC, ID, DE, CT, FL, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1282824
NMLS#: 1282824
About Joseph Louis Pizzo
Joseph Pizzo is committed to being a financial advisor as it offers a wide array of challenges and opportunities to use his knowledge and experience in helping clients navigate the diverse world of finance. Each case he handles is different, allowing him to apply a personalized approach to meet his clients' unique goals. His dedication to understanding his clients' lifestyles and risk tolerance ensures that their objectives are always at the forefront of his strategy.
For Joe, being a financial advisor is more than a career; it's a family tradition. Introduced to the business at an early age by his father, Joe was captivated by the excitement of the trading floor during the summers he spent at his father's office. This early exposure ignited a lifelong interest in the industry. After graduating from Adelphi University in 1993 with a degree in Business Administration, he immediately began his career in finance and has been devoted to the field for the past 30 years.
Joe’s approach is distinguished by his deep personal connections with his clients. This client-centered philosophy is evident in his commitment to direct communication. When clients call, they speak with Joe, not a call center. This "Old School" approach fosters trust and ensures that he is intimately familiar with his clients' needs.
Family plays a central role in Joe’s life. He and his wife, Andrea have been married for 25 years, and he is immensely proud of their two daughters. Amanda is pursuing a career as a Physician Assistant at Rutgers University, and Jessica is interning for a member of Congress while working towards a degree in International Relations. In his free time, Joe enjoys hiking with his family, gardening, and occasionally golfing.
In addition to his professional commitments, Joe is deeply involved in his community. For the past decade, he has served as a firefighter in his hometown of Commack, NY, and has been a Lieutenant of Ladder Company 1 for the last two years. He is also in the process of obtaining his EMT certification, further demonstrating his dedication to helping others.
Joe began his career in the financial services industry in 1994 and joined Morgan Stanley in 2010. His decades of experience, combined with his commitment to personalized client care and community service, make him a trusted and dedicated advisor.
For Joe, being a financial advisor is more than a career; it's a family tradition. Introduced to the business at an early age by his father, Joe was captivated by the excitement of the trading floor during the summers he spent at his father's office. This early exposure ignited a lifelong interest in the industry. After graduating from Adelphi University in 1993 with a degree in Business Administration, he immediately began his career in finance and has been devoted to the field for the past 30 years.
Joe’s approach is distinguished by his deep personal connections with his clients. This client-centered philosophy is evident in his commitment to direct communication. When clients call, they speak with Joe, not a call center. This "Old School" approach fosters trust and ensures that he is intimately familiar with his clients' needs.
Family plays a central role in Joe’s life. He and his wife, Andrea have been married for 25 years, and he is immensely proud of their two daughters. Amanda is pursuing a career as a Physician Assistant at Rutgers University, and Jessica is interning for a member of Congress while working towards a degree in International Relations. In his free time, Joe enjoys hiking with his family, gardening, and occasionally golfing.
In addition to his professional commitments, Joe is deeply involved in his community. For the past decade, he has served as a firefighter in his hometown of Commack, NY, and has been a Lieutenant of Ladder Company 1 for the last two years. He is also in the process of obtaining his EMT certification, further demonstrating his dedication to helping others.
Joe began his career in the financial services industry in 1994 and joined Morgan Stanley in 2010. His decades of experience, combined with his commitment to personalized client care and community service, make him a trusted and dedicated advisor.
Securities Agent: MN, MD, IL, DE, NM, HI, CO, NV, FL, GA, CA, WA, VA, PA, MA, NY, DC, OH, AZ, NC, TX, NJ, CT, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1627511
NMLS#: 1627511
About David Janczyk
A determined leader that has ambitions set on developing, learning and growing in the finance sector. I am known for my creative mindset, collaboration and coordination within a team setting and competitive nature.
About Nicholas Crocco
Nick Crocco brings a wealth of knowledge and a strong commitment of client service to our team. He graduated in 2020 from Marist College in Poughkeepsie, NY, earning a B.S. in Accounting with a Minor in Business Administration. Shortly after graduation, Nick began his career as an Investment Funds Tax Associate at RSM US, a prestigious accounting firm in New York. In this role, he specialized in tax preparation for hedge fund and private equity clients.
In March of 2022, Nick transitioned to Morgan Stanley as a Digital Virtual Engagement Associate. At Morgan Stanley, he excelled in assisting financial advisors nationwide. He leveraged Morgan Stanley’s firm tools, enhanced client relationships, improved prospecting efforts, and played a part in growing the book of business of all his teams.
In July of 2024, Nick moved to his current role as a Registered Client Service Associate with The Peninsula Group at Morgan Stanley, one of his teams he serviced while in the Digital VEA Program. As a team member of The Peninsula Group, Nick is dedicated to providing every client with the highest level of service, striving to make a positive impact on the lives and families he assists. His commitment to excellence and personalized service sets him apart in the wealth management field.
Nick currently resides in Babylon, NY. When he's not assisting clients or collaborating with his team, he enjoys spending time on the golf course with his friends and celebrating his Italian heritage by playing bocce with his father in local leagues and tournaments across the country.
In March of 2022, Nick transitioned to Morgan Stanley as a Digital Virtual Engagement Associate. At Morgan Stanley, he excelled in assisting financial advisors nationwide. He leveraged Morgan Stanley’s firm tools, enhanced client relationships, improved prospecting efforts, and played a part in growing the book of business of all his teams.
In July of 2024, Nick moved to his current role as a Registered Client Service Associate with The Peninsula Group at Morgan Stanley, one of his teams he serviced while in the Digital VEA Program. As a team member of The Peninsula Group, Nick is dedicated to providing every client with the highest level of service, striving to make a positive impact on the lives and families he assists. His commitment to excellence and personalized service sets him apart in the wealth management field.
Nick currently resides in Babylon, NY. When he's not assisting clients or collaborating with his team, he enjoys spending time on the golf course with his friends and celebrating his Italian heritage by playing bocce with his father in local leagues and tournaments across the country.
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The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Dana Jordan
Private Banker
Senior Vice President, Wealth Management, Financial Advisor, Corporate Retirement Director
About Dana Jordan
Dana Jordan is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Dana began her career in financial services in 2017 when she joined Morgan Stanley as a Lending Analyst in Private Banking Operations. She most recently returned to the firm in 2022. Prior to joining the firm, she was a Mortgage Professional at JP Morgan Private Bank.
Dana is a graduate of Loyola University Maryland, where she received a Bachelor of Business Administration in Finance. She lives in Long Island, New York. Outside of the office, Dana donates her time to the American Legion Auxiliary Unit 1006. She is a Senior Gold Medalist and USFSA (U.S. Figure Skating Association) member, and enjoys partaking in CrossFit.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Dana began her career in financial services in 2017 when she joined Morgan Stanley as a Lending Analyst in Private Banking Operations. She most recently returned to the firm in 2022. Prior to joining the firm, she was a Mortgage Professional at JP Morgan Private Bank.
Dana is a graduate of Loyola University Maryland, where she received a Bachelor of Business Administration in Finance. She lives in Long Island, New York. Outside of the office, Dana donates her time to the American Legion Auxiliary Unit 1006. She is a Senior Gold Medalist and USFSA (U.S. Figure Skating Association) member, and enjoys partaking in CrossFit.
NMLS#: 1974422
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Peninsula Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Municipal 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9When 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.
10When 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.
11Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Municipal 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9When 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.
10When 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.
11Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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), 3582895 (6/2024)
