Executive Director, Wealth Management, Financial Advisor, Family Wealth Advisor, Workplace Advisor – Equity Compensation
Phone:
(973) 425-2354(973) 425-2354
The PGP Group at Morgan Stanley
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Welcome
Helping you achieve financial success is our first priority. Morgan Stanley has meaningful intelligence about every major asset class and a presence in every major market, as well as investment research from some of the world’s most respected analysts. Together, we will formulate a strategy to help you achieve your most important goals and then deliver a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Retirement PlanningFootnote3
- Life InsuranceFootnote4
- Planning for Education FundingFootnote5
- 401(k) Rollovers
- Stock Plan ServicesFootnote6
- Alternative InvestmentsFootnote7
- Estate Planning StrategiesFootnote8
- Lending Products
- Divorce Financial AnalysisFootnote9
- Philanthropic Services
- Planning for Individuals with Special Needs
- Business PlanningFootnote10
- Cash ManagementFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Forbes "America's Top Next Generation Wealth Advisors"
2017 - 2020 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2017 - 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Source: Forbes.com (Awarded 2017 - 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
In The Press
Location
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 425-2354(973) 425-2354
Toll-Free:
(800) 755-4253(800) 755-4253
9665 Wilshire Bld
Suite #600
Beverly Hills, CA 90212
US
Direct:
(310) 285-4911(310) 285-4911
Meet The PGP Group
Senior Vice President, Wealth Management, Financial Advisor, Workplace Advisor – Equity Compensation
Phone:
(973) 425-2355(973) 425-2355
First Vice President, Wealth Management, Financial Advisor, Workplace Advisor – Equity Compensation
Phone:
(973) 425-3873(973) 425-3873
Vice President, Wealth Management, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(973) 425-2302(973) 425-2302
Phone:
(310) 285-4911(310) 285-4911
Phone:
(310) 285-5679(310) 285-5679
Phone:
(973) 993-5246(973) 993-5246
Phone:
(973) 425-3871(973) 425-3871
Wendy De Rose
Senior Client Service Associate
Donna Pecora
Registered Client Service Associate
Eileen A. Sweeney
Portfolio Associate
About Vincent Pecora II
Vince attended Seton Hall Preparatory and went on to Montclair State University to graduate with a Bachelor of Science degree in business management and marketing. He also earned the CERTIFIED FINANCIAL PLANNER™ and the Chartered Life Underwriter® designation through the American College and the Certified Investment Management Analyst™ designation through The Wharton School of Business. He focuses on providing his clients with comprehensive financial planning strategies which include a concentration in retirement and legacy planning. Vince also applies life and long-term care insurance planning as a part of the team’s customized financial planning process. Part of his role with Morgan Stanley is Financial Advisor Associate Training Coach for the Western New Jersey Complex.
Vince was named to Forbes’ Best-In-State Wealth Advisors list for 2018, 2019, 2020, 2021, 2022, 2023, and 2024. He was also named to Forbes’ Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State list for 2017, 2018, 2019, and 2020.
2018 - 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018 - 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2017 - 2020 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2017 - 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Vince was named to Forbes’ Best-In-State Wealth Advisors list for 2018, 2019, 2020, 2021, 2022, 2023, and 2024. He was also named to Forbes’ Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State list for 2017, 2018, 2019, and 2020.
2018 - 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018 - 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2017 - 2020 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2017 - 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: DC, AK, PA, NH, MT, KY, KS, CO, CA, NY, MO, MN, MA, DE, AR, VA, SC, OH, NC, AL, WI, VT, LA, CT, TX, MI, AZ, WA, UT, TN, OK, NJ, IN, IL, HI, SD, OR, NV, NM, ID, FL, RI, ME, MD, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255473
NMLS#: 1255473
About Piotr Galus
Peter graduated from Montclair State University with a Bachelor of Science degree in Finance and Management. As a CERTIFIED FINANCIAL PLANNER™, his focus is developing and implementing customized investment strategies to help meet specific client needs. He advises clients on equity and fixed income asset allocation and helps clients manage their taxable and tax exempt portfolios. Additionally, Peter further compliments the group’s annuity and alternative investment planning.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
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. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning.
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
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. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning.
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: NJ, LA, IN, ID, MO, MN, WI, TN, OH, MD, MA, IL, CT, WA, SD, NC, ME, GA, DE, CA, SC, RI, NY, NH, MT, KS, NM, AK, AL, AR, VT, UT, NV, OK, VA, PA, MI, HI, DC, AZ, FL, OR, CO, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261747
NMLS#: 1261747
About Anthony Pecora
Anthony is a Vice President Financial Advisor and a Seton Hall Preparatory alumnus and a graduate of Montclair State University with a Bachelor of Arts degree in Justice Studies as well as a Minor in Business. His main focus is team marketing and client relationship development. In addition, Anthony assists in the team’s financial planning process through construction of goal-based custom strategies. He also is responsible for reviewing and monitoring client portfolios and making sure they are inline with goals and objectives.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Securities Agent: CO, NJ, WI, IL, WA, TX, RI, OH, FL, MT, MA, HI, CA, AZ, PA, ME, LA, DC, NC, VA, TN, NY, GA, CT, OR, MO, MN, NM, OK, AL, AK, NV, VT, AR, SC, MD, KS, IN, ID, UT, SD, NH, MI, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261836
NMLS#: 1261836
About Joanne Yanogacio, CFP®
Securities Agent: FL, DE, CT, AZ, VA, SD, RI, OR, NH, HI, KY, IN, ID, NC, LA, VT, PA, NM, AR, TN, OK, NY, MO, CA, AK, UT, KS, IL, GA, AL, NV, MT, MN, MI, CO, WI, ME, MA, DC, TX, OH, NJ, WA, SC, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1447635
NMLS#: 1447635
About Susanna L Adler
Securities Agent: TN, CA, NM, NC, FL, AK, KY, OK, MI, MD, IL, AZ, WI, VT, NH, DC, CT, AR, RI, NJ, MA, AL, UT, SD, PA, NV, WA, VA, OR, KS, OH, MO, MN, ID, HI, GA, TX, NY, MT, ME, LA, CO, SC, IN, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265048
CA Insurance License #: 0E43451
NMLS#: 1265048
CA Insurance License #: 0E43451
About Randall Irvin Goldring
Securities Agent: AK, TN, NJ, NC, OH, MI, DC, GA, WA, IN, CT, UT, MT, MO, CO, CA, OR, OK, NY, ID, SD, SC, RI, PA, ME, MD, LA, KS, DE, VT, NM, AR, AL, MA, FL, WI, VA, TX, NV, NH, MN, IL, HI, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1282963
CA Insurance License #: 0A03514
NMLS#: 1282963
CA Insurance License #: 0A03514
About Christina H Woo
Securities Agent: LA, AZ, WI, NV, DC, VA, SD, SC, RI, OH, IL, CO, CA, AR, CT, TX, MA, ID, UT, OK, MI, AL, WA, VT, PA, NC, MT, MN, KS, IN, TN, NJ, MD, GA, AK, NY, NM, NH, MO, ME, KY, OR, FL, HI, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285051
NMLS#: 1285051
About Ryan Nees
Securities Agent: KY, MS, ME, NV, OR, SC, WA, UT, WY, WV, WI, VT, VI, VA, TX, TN, SD, RI, PR, PA, OK, OH, NY, NM, NJ, NH, NE, ND, NC, MT, MO, MN, MI, MD, MA, LA, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2058775
NMLS#: 2058775
About Wendy De Rose
Wendy has been with Morgan Stanley for 30 years. She is responsible for client communications, customer support, technology services, account documentation, and operations.
Contact Vincent Pecora II
Contact Piotr Galus
Contact Anthony Pecora
Contact Joanne Yanogacio, CFP®
Contact Susanna L Adler
Contact Randall Irvin Goldring
Contact Christina H Woo
Contact Ryan Nees
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
Lauren Akers
Private Banker
About Lauren Akers
Lauren Akers is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Lauren began her career in financial services in 2011, and joined Morgan Stanley in 2013 as a Regional Transaction Manager for the Home Loans Division. Prior to joining the firm, she served as a Credit Analyst at PHH Mortgage.
Lauren is a graduate of Rider University, where she received a Bachelor of Science in Business Administration with a concentration in Finance. She and her family currently reside in Chesterfield, NJ. Outside of the office, Lauren dedicates her time to her family and a number of volunteer activities. Lauren also enjoys spending time with her 2 kitties, cooking, baking, reading, gardening, shopping. traveling and going to the beach. She remains active by exercising and participating in 5K runs.
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.
Lauren began her career in financial services in 2011, and joined Morgan Stanley in 2013 as a Regional Transaction Manager for the Home Loans Division. Prior to joining the firm, she served as a Credit Analyst at PHH Mortgage.
Lauren is a graduate of Rider University, where she received a Bachelor of Science in Business Administration with a concentration in Finance. She and her family currently reside in Chesterfield, NJ. Outside of the office, Lauren dedicates her time to her family and a number of volunteer activities. Lauren also enjoys spending time with her 2 kitties, cooking, baking, reading, gardening, shopping. traveling and going to the beach. She remains active by exercising and participating in 5K runs.
NMLS#: 1457897
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
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 PGP Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
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Awards Disclosures
CRC 6491812 (04/2024)
