Steven Keith Robinson
Vice President, Financial Advisor, Corporate Retirement Director
Phone:
(770) 643-7654(770) 643-7654
The Pharus Group at Morgan Stanley
Direct:
(770) 643-7694(770) 643-7694
Toll-Free:
(800) 965-3168(800) 965-3168
Our Mission Statement
Our goal is to employ a process- and outcome-led approach to help meet the unique financial needs of our clients.
Our Story and Services
The Pharus Group – founded by partners Doug Charles and Steve Robinson – began over 18 years ago, when Doug and Steve realized the importance of drawing upon different skill-sets and varying experiences to deliver comprehensive wealth management services for affluent families and help meet the ever-growing investment consulting needs of corporations and institutions. The team expanded again in 2004 with the addition of partner Brian Nickerson, and today is comprised of three advisors and a dedicated client service associate operating out of Alpharetta, GA with clients throughout the US.
At our core, our team believes that financial advisory services have evolved into far more than simply selecting, managing and reviewing an investment portfolio. To us, it means applying a disciplined process to the assessment of your financial goals and challenges, developing a comprehensive plan, and implementing appropriate strategies to help achieve the desired outcome(s). Through Morgan Stanley, our team has access to a full spectrum of financial solutions designed to help our clients achieve their objectives.
We’ve built our practice on sound financial strategies, personalized service and long-term client relationships. We work with you, helping empower you to realize the future you envision while navigating the challenges of today.
At our core, our team believes that financial advisory services have evolved into far more than simply selecting, managing and reviewing an investment portfolio. To us, it means applying a disciplined process to the assessment of your financial goals and challenges, developing a comprehensive plan, and implementing appropriate strategies to help achieve the desired outcome(s). Through Morgan Stanley, our team has access to a full spectrum of financial solutions designed to help our clients achieve their objectives.
We’ve built our practice on sound financial strategies, personalized service and long-term client relationships. We work with you, helping empower you to realize the future you envision while navigating the challenges of today.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Corporate Services
As retirement plan advisors and consultants, we aim to improve the state of retirement readiness through effective plan management and thoughtful participant engagement.
The Pharus Group works with companies and organizations of varying size across the US – from small family businesses with few employees to national companies with hundreds of employees – providing consulting services with respect to retirement plan installation, management and oversight. Our hands-on process aligns us with our organization and positions us as an extension of the company's own HR/benefits team. We have the experience and knowledge to work with you on all types of corporate plans, with a focus on 3 areas:
401(k) and similar Defined Contribution Plans (both for- and non-profit organizations)
Cash Balance and Defined Benefit Plans
Non-Qualified Deferred Compensation Plans
Our consulting services allow us to work with your organization to help you with your fiduciary responsibilities.
Some of the services that we can provide are highlighted below:
Monitor the creation, education, operation and governance of a Plan Investment Committee
Act as liaison on behalf of the plan with other service providers, such as record-keepers and third party administrators
Lead on-going monitoring/review of customized investment menus and strategies
Utilize plan benchmarking capabilities to periodically review and validate key facets of plan with respect to current industry landscape
Provide RFP management services as needed to assess and select new service providers
We are proud of Steve's Corporate Retirement Director (CRD) designation. The CRD is a title awarded to less than 2% of all Morgan Stanley Advisors as of October 2017 and validates our experience, our skill-set and our dedication to our clients.
Our process begins as we assess and understand the business owner/management objectives, allowing us to help construct and manage a plan designed to help achieve the desired outcomes for both the plan sponsor and your participants. We engage meaningfully and regularly with your plan on all levels including ownership/management, plan committees and – most importantly – your plan participants, offering 1:1 interactions for your participants with our team’s financial advisors.
The Pharus Group works with companies and organizations of varying size across the US – from small family businesses with few employees to national companies with hundreds of employees – providing consulting services with respect to retirement plan installation, management and oversight. Our hands-on process aligns us with our organization and positions us as an extension of the company's own HR/benefits team. We have the experience and knowledge to work with you on all types of corporate plans, with a focus on 3 areas:
401(k) and similar Defined Contribution Plans (both for- and non-profit organizations)
Cash Balance and Defined Benefit Plans
Non-Qualified Deferred Compensation Plans
Our consulting services allow us to work with your organization to help you with your fiduciary responsibilities.
Some of the services that we can provide are highlighted below:
Monitor the creation, education, operation and governance of a Plan Investment Committee
Act as liaison on behalf of the plan with other service providers, such as record-keepers and third party administrators
Lead on-going monitoring/review of customized investment menus and strategies
Utilize plan benchmarking capabilities to periodically review and validate key facets of plan with respect to current industry landscape
Provide RFP management services as needed to assess and select new service providers
We are proud of Steve's Corporate Retirement Director (CRD) designation. The CRD is a title awarded to less than 2% of all Morgan Stanley Advisors as of October 2017 and validates our experience, our skill-set and our dedication to our clients.
Our process begins as we assess and understand the business owner/management objectives, allowing us to help construct and manage a plan designed to help achieve the desired outcomes for both the plan sponsor and your participants. We engage meaningfully and regularly with your plan on all levels including ownership/management, plan committees and – most importantly – your plan participants, offering 1:1 interactions for your participants with our team’s financial advisors.
As financial advisors to your family, we leverage a process-led and planning-driven approach to align your investment strategies with your short-, medium- and long-term goals and objectives.
The Pharus Group works with you and your family to identify and assess your financial and investment planning needs, assisting you in planning for your future while adapting to the challenges of today. We can also coordinate effectively with your tax, legal and other professional partners to help ensure our varying points-of-view work in tandem for your benefit. Our areas of focus and experience are below:
Comprehensive Financial Planning
Portfolio Management and Investment Selection
Life and Long-Term Care Insurance
Education Savings
Cash / Liability Management
Estate and Family Governance
Preparing for your family’s financial future can be a complex and challenging process, requiring knowledge, experience and a deep dedication to understanding your family’s unique dynamics, values and priorities. Members of our team currently hold various industry designations for financial planning and investment management, reflective of our desire to be a valuable resource to you:
CERTIFIED FINANCIAL PLANNERTM (CFP®©)
Chartered Financial Analyst™TM (CFA®©)
Chartered Retirement Planning CounselorSMTM (CRPC®©)
We look forward to putting our resources and knowledge to work for your family.
The Pharus Group works with you and your family to identify and assess your financial and investment planning needs, assisting you in planning for your future while adapting to the challenges of today. We can also coordinate effectively with your tax, legal and other professional partners to help ensure our varying points-of-view work in tandem for your benefit. Our areas of focus and experience are below:
Comprehensive Financial Planning
Portfolio Management and Investment Selection
Life and Long-Term Care Insurance
Education Savings
Cash / Liability Management
Estate and Family Governance
Preparing for your family’s financial future can be a complex and challenging process, requiring knowledge, experience and a deep dedication to understanding your family’s unique dynamics, values and priorities. Members of our team currently hold various industry designations for financial planning and investment management, reflective of our desire to be a valuable resource to you:
CERTIFIED FINANCIAL PLANNERTM (CFP®©)
Chartered Financial Analyst™TM (CFA®©)
Chartered Retirement Planning CounselorSMTM (CRPC®©)
We look forward to putting our resources and knowledge to work for your family.
Location
2400 Lakeview Pkwy
Suite 300
Alpharetta, GA 30009
US
Direct:
(770) 643-7694(770) 643-7694
Toll-Free:
(800) 965-3168(800) 965-3168
Meet The Pharus Group
Doug McMillan Charles
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(770) 643-7632(770) 643-7632
Brian Anthony Nickerson, CRPC®, QPFC
Vice President, Financial Advisor, Corporate Retirement Director, Senior Portfolio Manager
Phone:
(770) 643-7694(770) 643-7694
About Steven Keith Robinson
Steve Robinson has provided financial guidance to a select group of clients for more than 22 years and has been with Morgan Stanley since 2008. Steve also spent 5 years active duty in the US Navy. He holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. Steve is a lead partner in The Pharus Group at Morgan Stanley.
Within the team, Steve serves as the lead advisor for key corporate retirement plan relationships. As one of a select few to hold the Corporate Retirement Director title, Steve acts as a consultant to client support in the defined contribution arena. He also serves as the lead for a number of personal wealth management clients, providing advice, education and leadership across all areas of service. Finally, Steve works in the field on a 1:1 basis to educate plan participants and drive plan utilization.
Steve currently lives in Cumming, GA with his wife Kimberly and their two boys, Porter and Bay. He is an active volunteer in local youth sports. In his spare time, Steve and his family can be found on Lake Lanier enjoying the sun.
NMLS #1261798
Within the team, Steve serves as the lead advisor for key corporate retirement plan relationships. As one of a select few to hold the Corporate Retirement Director title, Steve acts as a consultant to client support in the defined contribution arena. He also serves as the lead for a number of personal wealth management clients, providing advice, education and leadership across all areas of service. Finally, Steve works in the field on a 1:1 basis to educate plan participants and drive plan utilization.
Steve currently lives in Cumming, GA with his wife Kimberly and their two boys, Porter and Bay. He is an active volunteer in local youth sports. In his spare time, Steve and his family can be found on Lake Lanier enjoying the sun.
NMLS #1261798
Securities Agent: MI, MA, PA, NJ, NY, NV, OR, RI, TN, TX, WA, VA, KS, IN, SC, OH, AZ, CA, NC, CO, LA, KY, GA, FL, DE, DC, CT, IL, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1261798
CA Insurance License #: 0M19156
NMLS#: 1261798
CA Insurance License #: 0M19156
About Doug McMillan Charles
Doug Charles has provided financial guidance to a select group of clients for more than 25 years and has been with Morgan Stanley Wealth Management since 2008. He holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. In addition, Doug has earned the right to use the Chartered Financial Analyst designation and is a member of the CFA Society of Atlanta. Doug is a lead partner in The Pharus Group at Morgan Stanley.
Within the team, Doug serves as the lead advisor for all high net worth private client relationships. Doug's focus is on delivering investment strategies that target client-specific goals through asset allocation and specific investment selection across equity, fixed income and alternative asset classes, holding responsibility for all key portfolio- and investment-related research and recommendations. Doug also provides advice, education and leadership with respect to complex financial planning situations.
Doug currently lives in Suwanee, GA with his wife and their two children. He enjoys traveling with his family and is very active in the youth coaching community for both baseball and football.
NMLS#: 1278676
Asset allocation does not guarantee a profit or protect against a loss in a declining financial market.
Within the team, Doug serves as the lead advisor for all high net worth private client relationships. Doug's focus is on delivering investment strategies that target client-specific goals through asset allocation and specific investment selection across equity, fixed income and alternative asset classes, holding responsibility for all key portfolio- and investment-related research and recommendations. Doug also provides advice, education and leadership with respect to complex financial planning situations.
Doug currently lives in Suwanee, GA with his wife and their two children. He enjoys traveling with his family and is very active in the youth coaching community for both baseball and football.
NMLS#: 1278676
Asset allocation does not guarantee a profit or protect against a loss in a declining financial market.
Securities Agent: WA, VA, TX, TN, SC, RI, PA, OR, OH, NY, NV, NJ, NC, MI, MA, KY, IN, IL, KS, GA, FL, DE, DC, CT, CO, CA, AZ, AL, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1278676
CA Insurance License #: 0M19386
NMLS#: 1278676
CA Insurance License #: 0M19386
About Brian Anthony Nickerson
Brian has provided financial guidance to a select group of clients for more than 14 years and has been with Morgan Stanley since 2008. Brian holds the CHARTERED RETIREMENT PLANNING COUNSELORSM designation awarded by the College of Financial Planning. He is a partner with The Pharus Group at Morgan Stanley.
Within the team, Brian leads the management, analysis and review of the investment menus utilized by the team’s corporate retirement plan clients. In addition, Brian focuses on non-qualified deferred compensation plan opportunities for new and existing clients. He also serves as the team lead for a number of personal wealth management/financial planning and corporate retirement plan relationships, providing advice, education and leadership across all areas of service. Finally, Brian provides on-site support for the team’s corporate clients, educating plan participants and driving plan utilization on a 1:1 basis.
Brian currently lives in Roswell, GA with his wife, two daughters, and the family dog. Brian serves as the treasurer for his neighborhood HOA. He spends his free time running, playing golf, coaching youth soccer, playing with his family outdoors and enjoys anything related to the Atlanta Falcons.
NMLS#: 1253016
Within the team, Brian leads the management, analysis and review of the investment menus utilized by the team’s corporate retirement plan clients. In addition, Brian focuses on non-qualified deferred compensation plan opportunities for new and existing clients. He also serves as the team lead for a number of personal wealth management/financial planning and corporate retirement plan relationships, providing advice, education and leadership across all areas of service. Finally, Brian provides on-site support for the team’s corporate clients, educating plan participants and driving plan utilization on a 1:1 basis.
Brian currently lives in Roswell, GA with his wife, two daughters, and the family dog. Brian serves as the treasurer for his neighborhood HOA. He spends his free time running, playing golf, coaching youth soccer, playing with his family outdoors and enjoys anything related to the Atlanta Falcons.
NMLS#: 1253016
Securities Agent: WI, MI, LA, WA, OH, RI, OR, PA, TX, NY, NC, TN, NV, KS, IN, NJ, GA, AZ, AL, CO, CA, MA, IL, KY, DC, SC, DE, VA, CT, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1253016
CA Insurance License #: 0M21392
NMLS#: 1253016
CA Insurance License #: 0M21392
Contact Steven Keith Robinson
Contact Doug McMillan Charles
Contact Brian Anthony Nickerson
Wealth Management
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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Ready to start a conversation? Contact The Pharus 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.
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 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
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
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 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
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)
