Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor
The Phillips Point Group at Morgan Stanley
Direct:
(561) 650-7500(561) 650-7500
Toll-Free:
(866) 325-7258(866) 325-7258
Our Mission Statement
We help you devise, implement and monitor custom solutions with the intention of achieving your unique planning goals. We accomplish this while supporting the people, causes and initiatives that add meaning to our client’s lives.
Our Story
The Phillips Point Group came about from our desire to build a process oriented advisory business that offers clients a customized experience centered around Financial Planning, investment management and client service excellence. By combining the vast amount of resources available to us through Morgan Stanley as well as our own individual experience we are able to provide a powerful platform for our clients to access.
We have designed our team with specific areas of focus so we may deliver a strategy curated to address the unique needs of each client, their family, and their business:
We have designed our team with specific areas of focus so we may deliver a strategy curated to address the unique needs of each client, their family, and their business:
- Certified Financial Planner concentrating on retirement strategies, inter-generational wealth transfers, and charitable giving strategies.
- Client Risk Management encompassing options and derivative strategies.
- Well versed in Alternative Investments, with access to Morgan Stanley's leading platform for the creation of separate account private equity, hedge fund and real estate portfolios.
- Fixed Income professional focused on both taxable and tax-free income.
- Operations professional devoted to all things account management, cash management needs, and the highest level of client service.
Services Include
- Wealth PlanningFootnote1
- Retirement PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Alternative InvestmentsFootnote4
- Fixed IncomeFootnote5
- Structured ProductsFootnote6
- Trust ServicesFootnote7
- Life InsuranceFootnote8
- Cash Management and Lending ProductsFootnote9
- Institutional ServicesFootnote10
- Stock Plan ServicesFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Structured Planning Process
At The Phillips Point Group, we are committed to helping families understand the new challenges they face and how to meet those challenges successfully.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing a suitable risk tolerance that will ultimately help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving and benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
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.
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.
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- Managing your everyday finances such as paying bills online
- Sending money, transferring funds, & check deposits
- Paperless document access...
Learn More- Managing your everyday finances such as paying bills online
- Sending money, transferring funds, & check deposits
- Paperless document access...
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn MoreThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
eDelivery
Morgan Stanley Online clients can opt for eDelivery, which grants electronic access to various documents such as statements, trade confirmations, IRS-approved tax documents, prospectuses, syndicate offerings, shareholder communications, and portfolio reports, thereby reducing reliance on paper-based versions.
Learn More
Digital Vault
Ensuring your critical financial documents are organized and accessible is a valuable gift for your loved ones. With the Digital Vault on Morgan Stanley Online and the Mobile App, you can create a secure, central document repository, sharing important information with both your family and professional advisors in case of emergencies or unexpected events.
Learn More
eAuthorization
eAuthorizations empowers you to swiftly grant electronic authorization for both domestic and international transactions, whether one-time or recurring, via Morgan Stanley Online and through the Mobile App. This feature utilizes a robust multi-factor authentication system to verify your identity, effectively enhancing security and reducing associated risks.
Learn more
eSign
eSign simplifies electronic document signing. Upon receiving an email from "Morgan Stanley via DocuSign," you'll be guided to verify your identity and sign the document securely. Once signed, the document is sealed against any tampering or edits.
Learn moreMedia and Research
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Learn More
Ideas Library
See the full archive of Ideas for perspective on what's shaping the world today, and tomorrow. Topics include global equities, fixed income, monetary policy and more.
Learn More
Newsroom
Explore Morgan Stanley's dedicated press page for the latest press releases, thought leadership, awards, and recognitions.
Learn More
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Learn MoreLocation
777 S Flagler Drive
Suite 700E
West Palm Beach, FL 33401
US
Direct:
(561) 650-7500(561) 650-7500
Toll-Free:
(866) 325-7258(866) 325-7258
Fax:
(561) 337-2223(561) 337-2223
Meet The Phillips Point Group
Christopher Nagle
First Vice President, Wealth Management, Financial Advisor
Michael Logan
Vice President, Financial Advisor
Jeremy Doucette
Portfolio Associate
About Austin J Warrin
Austin grew up in Orchard Park, NY, outside of Buffalo with a history teaching mother and an entrepreneurial insurance agency owner father. Together they taught the value of studying history while keeping an open eye to the endless possibilities of the future, two traits that continue to mold his vision for the financial planning practice today. Austin left the Buffalo area to attend Stetson University in Deland, FL, where he graduated with a BS in Finance and a concentration in Portfolio Management in 1997. Although he left Buffalo, he remains an Avid Buffalo Sports Fan.
Immediately after college, Austin Joined Merrill Lynch in Jacksonville FL as a securities lending analyst in their credit corporation. In 1999 he launched his career as a Financial Advisor, moving to Merrill Lynch’s flagship office in New York City. While there, Austin was a founding member of a 13-person financial planning team also instrumental in working with clients whose company had successfully completed an Initial Public Offering (IPO), which at the time had been the largest in US History.
In December of 2008, seeing an opportunity to further build on the type of planning practice he envisioned, Austin joined Morgan Stanley in Midtown Manhattan. In the years following, Austin continued to provide and improve upon his solutions to client's holistic wealth management needs. Austin believes that each client deserves a customized multi-solution approach to achieving their individualized goals while striving to build on year-over-year financial improvements to their balance sheet. To accomplish this, he stresses open communication, a structured review process, and a sound operational platform to build more complex ideas off of.
In 2015, After 16 years of living in and around Manhattan, Austin, his Wife Jane, son Eli and the two family dogs Tebow & Sadie moved to the West Palm Beach FL area. Today, the business continues to look to the future as he and three colleagues have formed The Phillips Point Group, a multi-dimensional full-service wealth advisory team.
Personally, Austin enjoys spending time with his family and summers at their Cape May NJ home, golfing and traveling. Professionally, Austin is a First Vice President and holds the CERTIFIED FINANCIAL PLANNER, Family Wealth Advisor, and Portfolio Manager Designations.
Immediately after college, Austin Joined Merrill Lynch in Jacksonville FL as a securities lending analyst in their credit corporation. In 1999 he launched his career as a Financial Advisor, moving to Merrill Lynch’s flagship office in New York City. While there, Austin was a founding member of a 13-person financial planning team also instrumental in working with clients whose company had successfully completed an Initial Public Offering (IPO), which at the time had been the largest in US History.
In December of 2008, seeing an opportunity to further build on the type of planning practice he envisioned, Austin joined Morgan Stanley in Midtown Manhattan. In the years following, Austin continued to provide and improve upon his solutions to client's holistic wealth management needs. Austin believes that each client deserves a customized multi-solution approach to achieving their individualized goals while striving to build on year-over-year financial improvements to their balance sheet. To accomplish this, he stresses open communication, a structured review process, and a sound operational platform to build more complex ideas off of.
In 2015, After 16 years of living in and around Manhattan, Austin, his Wife Jane, son Eli and the two family dogs Tebow & Sadie moved to the West Palm Beach FL area. Today, the business continues to look to the future as he and three colleagues have formed The Phillips Point Group, a multi-dimensional full-service wealth advisory team.
Personally, Austin enjoys spending time with his family and summers at their Cape May NJ home, golfing and traveling. Professionally, Austin is a First Vice President and holds the CERTIFIED FINANCIAL PLANNER, Family Wealth Advisor, and Portfolio Manager Designations.
Securities Agent: IL, VT, NV, FL, RI, CT, TN, SC, PA, OR, NY, NJ, NC, MD, CO, TX, NM, MA, IN, GA, MN, MI, KY, DE, CA, WA, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278840
CA Insurance License #: 0F19545
NMLS#: 1278840
CA Insurance License #: 0F19545
About Christopher Nagle
Christopher, as a First Vice President and Financial Advisor, has devoted his entire 15-year career to Morgan Stanley in the field of finance.
Chris became a Financial Advisor to help individuals and families achieve their financial goals. He utilizes a comprehensive wealth management process to develop actionable plans tailored to individual situations. Chris enjoys analyzing his clients’ problems and engaging Morgan Stanley’s vast resources to find solutions. He takes pride in having developed long standing relationships with his clients. He views his clientele as part of his extended family. Trust and accountability are pillars of his philosophy.
Chris is a graduate of Pennsylvania State University with a degree in Speech Communications and minor in Business. He and his wife of 13 years, Candace, have 2 daughters, Avery and Amelia. Chris enjoys spending time with his family and he is an avid golfer.
Chris became a Financial Advisor to help individuals and families achieve their financial goals. He utilizes a comprehensive wealth management process to develop actionable plans tailored to individual situations. Chris enjoys analyzing his clients’ problems and engaging Morgan Stanley’s vast resources to find solutions. He takes pride in having developed long standing relationships with his clients. He views his clientele as part of his extended family. Trust and accountability are pillars of his philosophy.
Chris is a graduate of Pennsylvania State University with a degree in Speech Communications and minor in Business. He and his wife of 13 years, Candace, have 2 daughters, Avery and Amelia. Chris enjoys spending time with his family and he is an avid golfer.
Securities Agent: NM, VA, RI, TX, MI, FL, DE, CA, MN, KY, PA, NV, CT, VT, TN, OR, NY, NJ, NC, WA, SC, IL, GA, CO, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275606
CA Insurance License #: 4160552
NMLS#: 1275606
CA Insurance License #: 4160552
About Michael Logan
Michael Logan draws on his diverse background to deliver sophisticated, tailored financial solutions to high net-worth individuals who seek to organize their financial lives. After successfully working in commercial real estate, he began his career as a Financial Advisor in 2001 and joined Morgan Stanley in 2007.
At the Phillips Point Group at Morgan Stanley, Michael is focused on building long-term relationships with his clients. While working collaboratively with his team, he utilizes Morgan Stanley’s vast resources to develop and implement creative solutions for complex scenarios. Michael sees his clients as an extension of his family, treating each one with extreme care and ownership. He strives to become their “Go-to Guy” for all financially related needs.
Michael is a big believer in giving back to the community. Most recently, he helped raise funds for the Feed America network of food banks to help with shortages related to job losses.
He currently lives with his wife Cheryl and their children, Austin and Kamrym, in Palm Beach Shores. Michael enjoys spending time with local friends and supporting locally owned businesses. He likes to keep up with cutting-edge technology and collects coins as a hobby.
At the Phillips Point Group at Morgan Stanley, Michael is focused on building long-term relationships with his clients. While working collaboratively with his team, he utilizes Morgan Stanley’s vast resources to develop and implement creative solutions for complex scenarios. Michael sees his clients as an extension of his family, treating each one with extreme care and ownership. He strives to become their “Go-to Guy” for all financially related needs.
Michael is a big believer in giving back to the community. Most recently, he helped raise funds for the Feed America network of food banks to help with shortages related to job losses.
He currently lives with his wife Cheryl and their children, Austin and Kamrym, in Palm Beach Shores. Michael enjoys spending time with local friends and supporting locally owned businesses. He likes to keep up with cutting-edge technology and collects coins as a hobby.
Securities Agent: GA, MI, IL, VA, PA, NY, NJ, VT, TX, NC, DE, CA, NV, MS, KY, TN, SC, OR, NM, CO, WA, RI, MN, MD, CT, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1409323
NMLS#: 1409323
About Jeremy Doucette
Jeremy Doucette graduated from Farmingdale State College with a bachelor’s degree in Business Management and a specialization in Legal Studies. Jeremy spent time during his higher education working for a NY District Attorney & The New York State Assembly. As a NCAA athlete, Jeremy played Division 3 lacrosse as a goalie.
Originally from Long Island, NY, Mr. Doucette moved to South Florida in 2022 to further his career in West Palm Beach with Morgan Stanley. His current role of Registered Client Service Associate allows him to share his expertise in brokerage operations and work with clients daily. Prior to joining Morgan Stanley, Jeremy was a Registered Associate with Merrill Lynch.
He is actively engaged within his community & volunteers through firm initiatives. When away from his desk, Jeremy can be found working on his golf game, snowboarding or enjoying a good book.
Originally from Long Island, NY, Mr. Doucette moved to South Florida in 2022 to further his career in West Palm Beach with Morgan Stanley. His current role of Registered Client Service Associate allows him to share his expertise in brokerage operations and work with clients daily. Prior to joining Morgan Stanley, Jeremy was a Registered Associate with Merrill Lynch.
He is actively engaged within his community & volunteers through firm initiatives. When away from his desk, Jeremy can be found working on his golf game, snowboarding or enjoying a good book.
CA Insurance License #: 4316255
Contact Austin J Warrin
Contact Christopher Nagle
Contact Michael Logan
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
Frank Hammad
Private Banker
Rob Ward
Private Banker
About Frank Hammad
Frank Hammad is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Frank began his career in financial services in 2000, and joined Morgan Stanley in 2010 as a Commercial Real Estate Banker. Prior to joining the firm, he was a Commercial Real Estate Banker at BB&T.
Frank is a graduate of the University of Miami, where he received a Bachelor of Business Administration in International Marketing and Business Management, and Nova Southeastern University, where he received his Masters in International Business Administration. He lives in Plantation, Florida with his family. Outside of the office, he enjoys football and hockey.
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.
Frank began his career in financial services in 2000, and joined Morgan Stanley in 2010 as a Commercial Real Estate Banker. Prior to joining the firm, he was a Commercial Real Estate Banker at BB&T.
Frank is a graduate of the University of Miami, where he received a Bachelor of Business Administration in International Marketing and Business Management, and Nova Southeastern University, where he received his Masters in International Business Administration. He lives in Plantation, Florida with his family. Outside of the office, he enjoys football and hockey.
NMLS#: 798426
About Rob Ward
Rob Ward is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Rob began his career in financial services in 2001, and rejoined Morgan Stanley in 2019. Rob has over 8 years of experience as a Private Banker at the firm. Prior to joining the firm, he was a Client Advisor with Seaside National Bank & Trust. He also served as a Wealth Management Banker at Merrill Lynch and an Institutional Fixed Income Sales Representative at Vining Sparks IBG, LLP.
Rob is a graduate of Florida State University, where he received a Bachelor of Science in Business Management. He lives in Fort Lauderdale, Florida with his family. Outside of the office, Rob enjoys spending time with family, watching Florida State football, and being outdoors.
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.
Rob began his career in financial services in 2001, and rejoined Morgan Stanley in 2019. Rob has over 8 years of experience as a Private Banker at the firm. Prior to joining the firm, he was a Client Advisor with Seaside National Bank & Trust. He also served as a Wealth Management Banker at Merrill Lynch and an Institutional Fixed Income Sales Representative at Vining Sparks IBG, LLP.
Rob is a graduate of Florida State University, where he received a Bachelor of Science in Business Management. He lives in Fort Lauderdale, Florida with his family. Outside of the office, Rob enjoys spending time with family, watching Florida State football, and being outdoors.
NMLS#: 799983
Wealth Management
From Our Team
See Your Complete Financial Picture
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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Ready to start a conversation? Contact The Phillips Point 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’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.
4Alternative 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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
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 (“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.
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’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.
4Alternative 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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
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 (“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.
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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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
