Thomas Greenwald, CFP®, CIMA®, CRPS®
Senior Vice President, Wealth Advisor, Portfolio Manager
Phone:
(716) 631-4601(716) 631-4601
The Perna Greenwald Group at Morgan Stanley
Direct:
(716) 631-4601(716) 631-4601
Toll-Free:
(866) 691-7575(866) 691-7575
Our Mission Statement
To help you create and preserve wealth, and build a lasting legacy.
Welcome
You are a steward of your family’s wealth and a center of influence within your family. With so much to protect, you are invested in securing long-term financial success and building an enduring legacy. The Perna Greenwald Group is an experienced team of financial professionals with the skills, knowledge and resources to help you grow and preserve the wealth you’ve worked so hard to achieve. Our goal is to serve as your family’s Chief Financial Officer, coordinating and managing all aspects of your financial life, so you can focus on the people, activities and experiences that bring you joy.
Services Include
- Alternative InvestmentsFootnote1
- AnnuitiesFootnote2
- Business Succession PlanningFootnote3
- Corporate Retirement PlansFootnote4
- Divorce Financial AnalysisFootnote5
- Endowments and FoundationsFootnote6
- Estate Planning StrategiesFootnote7
- Executive Financial ServicesFootnote8
- Financial PlanningFootnote9
- Long Term Care InsuranceFootnote10
- Planning for Education FundingFootnote11
- Planning for Individuals with Special Needs
- Professional Portfolio ManagementFootnote12
- Retirement PlanningFootnote13
- Sustainable InvestingFootnote14
- Trust Services*
- Cash Management and Lending ProductsFootnote15
- 401(k) Rollovers
- Wealth ManagementFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
FINANCIAL SERVICES IS OUR FAMILY BUSINESS
Our multigenerational team is a family business with deep roots in Buffalo, New York. We embody the spirit of the City of Good Neighbors, and are always ready to serve as a helping hand, sympathetic ear or sounding board for our clients. Many of our clients have been with us for generations, and we have weathered market cycles and the inevitable twists and turns of life together. Through it all, we have been committed to helping our clients plan for—and achieve—their most important personal and professional goals.
Experience
Bringing Your Financial Future into Focus
We leverage our decades of experience and the extensive resources of Morgan Stanley to help you navigate the complexities and responsibilities that come with financial success. We believe in a comprehensive, goals-based approach to wealth management that encompasses not just your investments, but every aspect of your financial life. When you work with us, you can expect a cohesive wealth management strategy designed to support the life you want to live and the legacy you want to leave.
We leverage our decades of experience and the extensive resources of Morgan Stanley to help you navigate the complexities and responsibilities that come with financial success. We believe in a comprehensive, goals-based approach to wealth management that encompasses not just your investments, but every aspect of your financial life. When you work with us, you can expect a cohesive wealth management strategy designed to support the life you want to live and the legacy you want to leave.
Our Clients
As a multigenerational team of financial professionals, we bring diverse skills, experience and perspective, which enable us to serve a diverse array of clients.
With our dedication to service, we’ve built client relationships that span decades, and often multiple generations
Our clients include:
With our dedication to service, we’ve built client relationships that span decades, and often multiple generations
Our clients include:
Successful families and individuals
Pre & Post Retirees
Corporate retirement plans
Senior executives
Women who are experiencing a financial transition in their lives, such as divorce or loss of a spouse
YOUR GUIDE TO TAX-EFFICIENT PLANNING
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Tax-efficient investing techniques may help you lower your tax burden and increase your long-term wealth.
Tax Strategies for Retirement
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Tax-Smart Giving
Whether you want to donate to charity or invest in a loved-one’s future, there are tax‐aware ways to make your giving go further.
Learn More HereLocation
450 Essjay Road
Ste 100
Williamsville, NY 14221
US
Direct:
(716) 631-4601(716) 631-4601
Toll-Free:
(866) 691-7575(866) 691-7575
Meet The Perna Greenwald Group
Mary Perna Greenwald, CFP®
First Vice President, Wealth Management, Financial Advisor
Phone:
(716) 631-4643(716) 631-4643
Joseph F. Greenwald, CFP®
First Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(716) 631-4691(716) 631-4691
Anita M. Peterson
Portfolio Associate
Phone:
(716) 631-4645(716) 631-4645
About Thomas Greenwald
A native of Akron, Ohio, Tom has been providing financial services and advice for 38 years, entirely with Morgan Stanley and its predecessor firms. He focuses on corporate retirement solutions, investment management, estate planning strategies, as well as business and executive services.
As a Certified Financial Planner™ practitioner, Tom is committed to upholding a fiduciary and ethical standard of excellence that prioritizes his clients’ best interests. He has also earned a Certified Investment Management Analyst® designation (CIMA) from the Wharton School at the University of Pennsylvania; and a Chartered Retirement Plan Specialist® designation.
Tom has undergone advanced training focused on the corporate retirement marketplace, including an in-depth study of plan design, installation, maintenance and administration. He earned the designation of Chartered Retirement Planning Specialist (CRPS) from the College for Financial Planning. Tom earned a dual degree in marketing and Communications from Canisius College in Buffalo, New York has undergone advanced training focused on the corporate retirement marketplace, including an in-depth study of plan design, installation, maintenance and administration. Tom earned a dual degree in marketing and communications from Canisius College in Buffalo, New York.
Tom and his wife, Mary, have four children. Tom is a past Trustee of Villa Maria College and is currently involved with Amherst Youth Basketball. In his free time, he enjoys golfing, running and reading.
As a Certified Financial Planner™ practitioner, Tom is committed to upholding a fiduciary and ethical standard of excellence that prioritizes his clients’ best interests. He has also earned a Certified Investment Management Analyst® designation (CIMA) from the Wharton School at the University of Pennsylvania; and a Chartered Retirement Plan Specialist® designation.
Tom has undergone advanced training focused on the corporate retirement marketplace, including an in-depth study of plan design, installation, maintenance and administration. He earned the designation of Chartered Retirement Planning Specialist (CRPS) from the College for Financial Planning. Tom earned a dual degree in marketing and Communications from Canisius College in Buffalo, New York has undergone advanced training focused on the corporate retirement marketplace, including an in-depth study of plan design, installation, maintenance and administration. Tom earned a dual degree in marketing and communications from Canisius College in Buffalo, New York.
Tom and his wife, Mary, have four children. Tom is a past Trustee of Villa Maria College and is currently involved with Amherst Youth Basketball. In his free time, he enjoys golfing, running and reading.
Securities Agent: WA, CA, ID, CO, TX, VA, AR, UT, AZ, OR, DC, NE, MI, NC, LA, NM, KY, NY, KS, MS, SC, IL, HI, TN, RI, CT, NV, MA, MD, MO, MN, FL, OH, DE, NJ, PA, AL, GA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1310745
NMLS#: 1310745
About Mary Perna Greenwald
With over 30 years of experience in the financial services industry, Mary focuses her practice on retirement planning, risk management, and establishing and servicing business retirement plans. She also has a strong background in banking and lending solutions. Mary enjoys helping people—especially women in transition—take control of their finances.
Prior to joining Morgan Stanley, Mary worked as an Assistant Branch Manager and Business Development Officer at a large local bank. She is also a Certified Financial Planner™ practitioner, and believes that planning is the cornerstone of a secure financial future. Mary earned dual degrees in finance and management and an MBA, all from Canisius College.
Mary and her husband, Tom, have four children. Mary loves to volunteer and has a passion for education. She has served on the Alumni Board of Directors at Canisius College and is a past President of the Williamsville PTSA Council. She has also devoted time and served as Chairman of the Canisius College Board of Regents. Mary is a member of the Amherst Chamber of Commerce and is a founding member of both the Women of Canisius and the Women’s Leadership Council. She is also involved in the local organization of Women Interested in Cystic Health and The Junior League of Buffalo.
Prior to joining Morgan Stanley, Mary worked as an Assistant Branch Manager and Business Development Officer at a large local bank. She is also a Certified Financial Planner™ practitioner, and believes that planning is the cornerstone of a secure financial future. Mary earned dual degrees in finance and management and an MBA, all from Canisius College.
Mary and her husband, Tom, have four children. Mary loves to volunteer and has a passion for education. She has served on the Alumni Board of Directors at Canisius College and is a past President of the Williamsville PTSA Council. She has also devoted time and served as Chairman of the Canisius College Board of Regents. Mary is a member of the Amherst Chamber of Commerce and is a founding member of both the Women of Canisius and the Women’s Leadership Council. She is also involved in the local organization of Women Interested in Cystic Health and The Junior League of Buffalo.
Securities Agent: WA, SD, TN, TX, UT, SC, OH, OR, NY, NM, NE, NC, MS, MO, MI, MD, MA, KY, KS, IL, GA, FL, DE, DC, CT, CO, CA, AZ, AR, VA, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1364458
NMLS#: 1364458
About Joseph F. Greenwald
The newest member of The Perna Greenwald Group, Joe focuses on portfolio management, 401(k) services and multigenerational wealth planning. He is fascinated by the idea of putting capital to work, and believes in taking a holistic approach to wealth management that encompasses every piece of a client’s financial life. Joe is passionate about studying the financial markets and understanding global trends. He also invests significant time in educating clients, so they can feel more informed and more confident about their financial decision-making.
Prior to joining Morgan Stanley in 2015, Joe spent two years in the Tax Advisory practice at a local accounting and consulting firm, where he earned the Certified Public Accountant (CPA) designation in 2014 (currently non-practicing). This experience enables Joe to provide valuable insight when it comes to building tax sensitive portfolios, financial planning and helping business owners and high net worth individuals meet their investment objectives. Joe earned his MBA and dual undergraduate degrees in accounting and finance from Canisius College.
Joe devotes time to the the Cantalician Center for Learning and is also involved with the Masters Business Alumni Association at Canisius College. Outside of work, he loves the outdoors, traveling and spending time with friends and family.
Prior to joining Morgan Stanley in 2015, Joe spent two years in the Tax Advisory practice at a local accounting and consulting firm, where he earned the Certified Public Accountant (CPA) designation in 2014 (currently non-practicing). This experience enables Joe to provide valuable insight when it comes to building tax sensitive portfolios, financial planning and helping business owners and high net worth individuals meet their investment objectives. Joe earned his MBA and dual undergraduate degrees in accounting and finance from Canisius College.
Joe devotes time to the the Cantalician Center for Learning and is also involved with the Masters Business Alumni Association at Canisius College. Outside of work, he loves the outdoors, traveling and spending time with friends and family.
Securities Agent: VA, NE, NY, HI, SC, WA, UT, TX, TN, PA, OK, OH, NV, NM, NJ, NC, MO, MI, MD, MA, KY, IL, GA, FL, DE, DC, CT, CO, CA, AZ, AR, MS; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1465517
NMLS#: 1465517
About Anita M. Peterson
Anita has been serving clients in the financial services industry for over 30 years. Her focus includes enhancing client relationships by ensuring a high level of client service and account operations. Anita has worked with the Perna Greenwald Family and their clients for over 20 years. She views serving their clients as a privilege and is an integral member of the team.
Anita graduated from Medaille College with a BA in Business Administration. She and her husband Kevin have two grown children and live in Depew. In her spare time, Anita enjoys spending time with family, gardening, and volunteering at her church, local food pantry and the Depew Fire Department Auxillary.
Anita graduated from Medaille College with a BA in Business Administration. She and her husband Kevin have two grown children and live in Depew. In her spare time, Anita enjoys spending time with family, gardening, and volunteering at her church, local food pantry and the Depew Fire Department Auxillary.
Contact Thomas Greenwald
Contact Mary Perna Greenwald
Contact Joseph F. Greenwald
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 Perna Greenwald Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
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 and other legal matters.
8Morgan 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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11When 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.
12Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
13When 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.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
15Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
16Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
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 and other legal matters.
8Morgan 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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11When 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.
12Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
13When 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.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
15Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
16Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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:
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Awards Disclosures
CRC 6491812 (04/2024)
