Carl R Pierson Jr., CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(757) 493-2134(757) 493-2134
Atlantic Legacy Group at Morgan Stanley
Carl R Pierson Jr., CFP®Christopher H Russi, CRPS®Kate Geremia, CFP®Kristine Salvador, CFP®Craig Perez
Direct:
(757) 493-2100(757) 493-2100
Toll-Free:
(800) 622-3430(800) 622-3430
Our Mission Statement
The Atlantic Legacy Group at Morgan Stanley is dedicated to serving individuals and institutions working toward their financial legacy. Our mission is to provide wealth planning solutions that simplify our clients' lives by being their primary financial resource.
Atlantic Legacy Group
The Atlantic Legacy Group at Morgan Stanley, Virginia Beach, was created in 2007 after the founding members, Carl Pierson and Chris Russi, realized the strength in numbers would allow each team member the time necessary work in their preferred field of the financial services industry.
In addition, the team adhered to a "goal-oriented" approach to helping our clients manage their wealth. This approach is designed to encourage our clients to discuss their financial objectives with our Team first, which then allowed us to develop strategies and solutions second.
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
Personal: Highly individualized and committed to helping you achieve financial success
Flexible: Responsive to changes in your life and in your priorities over time
Comprehensive: Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
In addition, the team adhered to a "goal-oriented" approach to helping our clients manage their wealth. This approach is designed to encourage our clients to discuss their financial objectives with our Team first, which then allowed us to develop strategies and solutions second.
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
Personal: Highly individualized and committed to helping you achieve financial success
Flexible: Responsive to changes in your life and in your priorities over time
Comprehensive: Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Alternative Investments
Alternative Investments can help eligible investors achieve a variety of goals. Morgan Stanley can offer clients access to a variety of Alternative Investments, such as private equity, private credit, real estate, hedge funds, managed futures and exchange funds.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Charitable Giving/Philanthropy
IRA Charitable Distributions
Should you consider giving to charitable organizations from your Traditional or Roth IRA?
View Full ArticleCharitable Remainder Trusts
A Charitable Remainder Trust allows its creator/grantor to transfer an asset into the trust, sell it to diversify, and potentially defer capital gains tax consequences and benefit a charity of their choosing
View Full ArticleDonor Advised Funds
The objective of a donor advised fund ("DAF") is to create an efficient charitable-giving vehicle.
View Full ArticleFinancial Planning
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are suited for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that meets your lifestyle and legacy goals.
We believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs:
• Develop a thorough understanding of your financial goals and objectives
• Review and analyze your current financial situation
• Identify and tailor solutions that can help you meet your individual needs
• Implement your customized strategy, including personalized services and benefits
• Review your strategy, meeting periodically to discuss your goals and needs
We believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs:
• Develop a thorough understanding of your financial goals and objectives
• Review and analyze your current financial situation
• Identify and tailor solutions that can help you meet your individual needs
• Implement your customized strategy, including personalized services and benefits
• Review your strategy, meeting periodically to discuss your goals and needs
Required Minimum Distribution Brochure
Knowing when and how to take distributions from your IRA is equally as important as the decision you make about contributions and investment strategy. Click here to view our latest brochure about Required Minimum distributions and how Morgan Stanley, along with your tax advisor, can help you make sense of the options
View Our BrochureDefined Benefit Brochure
If you are an independent contractor looking to make large contributions to your retirement account then the One Person Defined Benefit Plan might be a good option for you.
View BrochureIndividual 401K Brochure
Individual 401K Brochure, Also know as the One-Person 401K or the Solo K can be a real boost to your retirement savings.
View BrochureWhy Advice Matters
We all have goals—and many are linked to our finances, from paying for higher education, to meeting health-care needs and other foreseen costs, to retirement. Trying to make investment decisions while juggling all these financial goals on your own can be overwhelming and time-consuming. Consider working with a Morgan Stanley Financial Advisor.
Read ArticleOvercoming Your 5 Biggest Retirement Challenges
While saving for a retirement is an important topic, it’s at least as important as what comes next: Your plan of action once you enter retirement. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income.
Read ArticleA Simple Six-Step Retirement Checkup
When market volatility arises, checking in on your retirement plan may make a lot of sense. Here’s a six-step retirement plan checkup that may be helpful, including how a Financial Advisor can help you adjust your plan as needed.
Read ArticleWhy Having a Goal Is Key to Investing
With a clear goal in mind, investors can create a realistic plan for achieving their objectives within a certain time frame. Here’s how:
Read ArticleTax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Read ArticleDefined Benefit Advisor Article
Every tax season, Americans spend a weekend searching for any deduction we can find and wishing our Certified Public Accountant (“CPA”) could simply cast a spell that would reduce our tax bill.
Read Full ArticleeSign Instructions
To use eSign, all you need is a valid email address, a phone number and/or one Morgan Stanley Online (MSO) User ID.
Read Full GuideSocial Security Reference Guide
Social Security provides a safety net for eligible Americans that can supplement a pension, personal investments and savings. Although Social Security was originally intended as an adjunct to other sources of income during retirement, it has become an important source of income for many retired Americans.
Read Full Guide HereSafeguarding Deposits at Morgan Stanley
At Morgan Stanley, our goal is to advise our clients and help them protect their assets as part of a comprehensive wealth management strategy. As one of the world’s leading wealth management firms, maintaining the safety, security and availability of client assets are responsibilities we take very seriously.
Readl Full ArticleThe Atlantic Legacy Group: Monthly Market Viewpoint
A summary of our view on the market at the given moment
APRIL 2024 VIEWPOINT
Great start, but how will it end?
U.S. equity markets are off to a great start this year as the Standard & Poors’ S&P 500 Index recorded a 10% return for the first quarter. And this year U.S. markets are not the only game in town. Japan, Korea and Europe’s STOXX 600 index are also at all-time highs as well (Barron’s, Up and Down Wall Street, March 25, 2024). Given this newfound global euphoria, it’s hard to imagine this trend going on forever and begs the question, “how will it end?”
Read Full Report HereU.S. equity markets are off to a great start this year as the Standard & Poors’ S&P 500 Index recorded a 10% return for the first quarter. And this year U.S. markets are not the only game in town. Japan, Korea and Europe’s STOXX 600 index are also at all-time highs as well (Barron’s, Up and Down Wall Street, March 25, 2024). Given this newfound global euphoria, it’s hard to imagine this trend going on forever and begs the question, “how will it end?”
MAY 2024 VIEWPOINT
Is it, or isn’t it?
Recent market data continues to provide information to support both ideas that the economy is doing well or is weakening. With this ebb and flow goes the thought process behind whether that Federal Reserve will raise or lower rates anytime soon. The U.S. market continues to persevere by not only holding on to positive gains for the year but rebounding after April’s correction. So bottom line, is the Economy strengthening, or isn’t it?
Read Full Report HereRecent market data continues to provide information to support both ideas that the economy is doing well or is weakening. With this ebb and flow goes the thought process behind whether that Federal Reserve will raise or lower rates anytime soon. The U.S. market continues to persevere by not only holding on to positive gains for the year but rebounding after April’s correction. So bottom line, is the Economy strengthening, or isn’t it?
JUNE 2024 VIEWPOINT
Is it just noise?
We are close to mid-year and markets are doing very well to say the least. As of the end of May, the Standard and Poor’s’ S&P 500 Index was up over 10%. International markets are also doing well with the MSCI EAFE index also in positive territory. Bonds are struggling a bit but still provide yields close to 5% as per the Barclays Aggregate Bond index. Given the positive results so far, it's hard not to classify recent economic concerns as “noise.”
Read Full Report HereWe are close to mid-year and markets are doing very well to say the least. As of the end of May, the Standard and Poor’s’ S&P 500 Index was up over 10%. International markets are also doing well with the MSCI EAFE index also in positive territory. Bonds are struggling a bit but still provide yields close to 5% as per the Barclays Aggregate Bond index. Given the positive results so far, it's hard not to classify recent economic concerns as “noise.”
JULY 2024 VIEWPOINT
And the beat goes on,
The first half of 2024 is officially behind us and the Standard & Poor’s S&P 500 Index, has continued its’
upward trend that started in October 2023. So far, the index is up an astonishing 15% this year and has left
Economists who had predicted average returns, or less, scratching their heads. Despite the strong
performance, a look under the hood of this market is worth a peek.
Read Full Report HereThe first half of 2024 is officially behind us and the Standard & Poor’s S&P 500 Index, has continued its’
upward trend that started in October 2023. So far, the index is up an astonishing 15% this year and has left
Economists who had predicted average returns, or less, scratching their heads. Despite the strong
performance, a look under the hood of this market is worth a peek.
AUGUST 2024 VIEWPOINT
Is the party over?
We start the Month of August with a number of questions. Who will win the election in November, will the Red Sox make the playoffs, how many rate cuts will the Fed commit to this year and perhaps most importantly, is the party over in the U.S. stock market? July saw a pull-back in equity markets which brought the Standard & Poor’s S&P 500 Index from having achieved a return over 15% as of June 30th to a performance close to 13% as of July 31st and below 10% as of the writing of this article
Read Full Report HereWe start the Month of August with a number of questions. Who will win the election in November, will the Red Sox make the playoffs, how many rate cuts will the Fed commit to this year and perhaps most importantly, is the party over in the U.S. stock market? July saw a pull-back in equity markets which brought the Standard & Poor’s S&P 500 Index from having achieved a return over 15% as of June 30th to a performance close to 13% as of July 31st and below 10% as of the writing of this article
SEPTEMBER 2024 VIEWPOINT
Are you ready?
The Labor Day Holiday usually signifies the end of Summer for most, but this year is an election year and in election years it also signifies the mad dash to the Presidential Election. Are you ready?
This election itself has been a long time coming and we at the Atlantic Legacy Group at Morgan Stanley will be happy when it’s over. More attention can be directed to economic issues and less to politics after votes
Read Full Report HereThe Labor Day Holiday usually signifies the end of Summer for most, but this year is an election year and in election years it also signifies the mad dash to the Presidential Election. Are you ready?
This election itself has been a long time coming and we at the Atlantic Legacy Group at Morgan Stanley will be happy when it’s over. More attention can be directed to economic issues and less to politics after votes
OCTOBER 2024 VIEWPOINT
Can it be done?
September was another positive month for U.S. equity markets. The Standard & Poor’s S&P 500 Index
finished the month higher close to a return of 22% (Morgan Stanley, The GIC Weekly, October 07, 2024). This
was all accomplished as tensions in the Middle East escalated, the Russia/Ukraine conflict continued,
Hurricane Helene swept through mid-America and let’s not forget the looming U.S. elections. Despite these
challenges the market nudged higher and the outlook for 2025 remains very positive with consensus S&P 500...
Read Full Report HereSeptember was another positive month for U.S. equity markets. The Standard & Poor’s S&P 500 Index
finished the month higher close to a return of 22% (Morgan Stanley, The GIC Weekly, October 07, 2024). This
was all accomplished as tensions in the Middle East escalated, the Russia/Ukraine conflict continued,
Hurricane Helene swept through mid-America and let’s not forget the looming U.S. elections. Despite these
challenges the market nudged higher and the outlook for 2025 remains very positive with consensus S&P 500...
NOVEMBER 2024 VIEWPOINT
Well now we know.
So, the votes are in, and we now know who will be President come January of next year. The Senate is now
controlled by the Republicans and the House has still yet to be determined as of this writing. Markets have
appreciated substantially since last week’s results, which by all means we like, but personally I think I speak
for many when I say, “I’m just glad it’s over.”
Read Full Report HereSo, the votes are in, and we now know who will be President come January of next year. The Senate is now
controlled by the Republicans and the House has still yet to be determined as of this writing. Markets have
appreciated substantially since last week’s results, which by all means we like, but personally I think I speak
for many when I say, “I’m just glad it’s over.”
DECEMBER 2024 VIEWPOINT
The us stock market saw robust performance in November 2024, marking a significant rebound from October’s’ woes. Gains in both the S&P 500 and Dow Jones Industrial Index were driven by improvements in economic indicators and subdued readings on inflation.
Read Full Report HereJANUARY 2025 VIEWPOINT
And that’s, that.
December’s negative performance left those investors who were looking for the Santa Clause rally (the positive stock market performance between Christmas and New Years) out in the cold. Markets posted a downward move over 2% but for the year, the market, as measured by the Standard & Poor’s S&P 500 Index, was up well over 20%. Markets’ have not experienced back-to-back 20% gains since 1997 and 1998...
Read Full Report HereDecember’s negative performance left those investors who were looking for the Santa Clause rally (the positive stock market performance between Christmas and New Years) out in the cold. Markets posted a downward move over 2% but for the year, the market, as measured by the Standard & Poor’s S&P 500 Index, was up well over 20%. Markets’ have not experienced back-to-back 20% gains since 1997 and 1998...
FEBRUARY 2025 VIEWPOINT
Resilience
In January of 2025, the US stock market demonstrated, what we feel was, an unexpected positive performance with major indices posting strong gains. The Dow Jones Industrial Average increased by close to 5%, the S&P 500 Index close to 3% and then NASDAQ just under 2%. Despite a new administration, historically overvalued indexes, and geo-political concerns, the resilience displayed was impressive but begs the question whether the trend can continue the rest of the year.
Read Full Report HereIn January of 2025, the US stock market demonstrated, what we feel was, an unexpected positive performance with major indices posting strong gains. The Dow Jones Industrial Average increased by close to 5%, the S&P 500 Index close to 3% and then NASDAQ just under 2%. Despite a new administration, historically overvalued indexes, and geo-political concerns, the resilience displayed was impressive but begs the question whether the trend can continue the rest of the year.
MARCH 2025 VIEWPOINT
Volatility anyone?
February had its dose of volatility as concerns over the economy brought down consumer confidence and spending resulting in a 1.42% decline in the Standard & Poor’s S&P 500 index. As of the end of February, the index remained in positive territory albeit just slightly. U.S. mid and small size company stocks did not fare as well, but international markets have been surprisingly positive. Strength in markets outside U.S. borders have become so cheap that the disparity to the U.S. has made them a reasonable consideration for long-term...
Read Full Report HereFebruary had its dose of volatility as concerns over the economy brought down consumer confidence and spending resulting in a 1.42% decline in the Standard & Poor’s S&P 500 index. As of the end of February, the index remained in positive territory albeit just slightly. U.S. mid and small size company stocks did not fare as well, but international markets have been surprisingly positive. Strength in markets outside U.S. borders have become so cheap that the disparity to the U.S. has made them a reasonable consideration for long-term...
APRIL 2025 VIEWPOINT
Tariffs
The U.S. market’s performance was drastically affected by what we are deeming the word of the year;
”tariffs.” The Standard & Poor’s S&P 500 index was down 5.6% in March, which is the worst monthly
performance since December 2022. The NASDAQ felt even more pain down 8.1% while the Dow Jones
Industrial Index got away with only a 4.1% drop. New President. New Administration. New market...
Read Full Report HereThe U.S. market’s performance was drastically affected by what we are deeming the word of the year;
”tariffs.” The Standard & Poor’s S&P 500 index was down 5.6% in March, which is the worst monthly
performance since December 2022. The NASDAQ felt even more pain down 8.1% while the Dow Jones
Industrial Index got away with only a 4.1% drop. New President. New Administration. New market...
Location
222 Central Park Ave Twn Ctr 18fl
Virginia Beach, VA 23462
US
Direct:
(757) 493-2100(757) 493-2100
Toll-Free:
(800) 622-3430(800) 622-3430
Meet Atlantic Legacy Group
Christopher H Russi, CRPS®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(757) 493-2131(757) 493-2131
Kate Geremia, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(757) 493-2140(757) 493-2140
Kristine Salvador, CFP®
Senior Registered Associate, Financial Planning Associate
Phone:
(757) 493-2111(757) 493-2111
Craig Perez
Registered Client Service Associate
Phone:
(757) 493-2146(757) 493-2146
About Carl R Pierson Jr.
Carl has been employed in the securities industry since 1997. Prior to 1997, Carl earned a Bachelor's Degree with concentrations in Marketing and Finance from Old Dominion University. He started with Prudential Securities upon earning his degree and moved to Smith Barney, now Morgan Stanley, in 2004. Carl has earned a designation as a CERTIFIED FINANCIAL PLANNER and focuses on providing financial planning and portfolio management services for The Atlantic Legacy Group at Morgan Stanley.
Carl lives with his wife Cheryl, and their three children, Lauren, Lindsay, and Nicholas, near Sandbridge in Virginia Beach.
Carl lives with his wife Cheryl, and their three children, Lauren, Lindsay, and Nicholas, near Sandbridge in Virginia Beach.
Securities Agent: UT, MO, IL, TX, KS, KY, TN, NM, MD, MA, DE, AR, VI, IA, SC, OH, NY, WI, SD, OK, NV, CT, AZ, RI, CO, DC, AK, WA, VA, NJ, IN, FL, CA, AL, PA, NC, ME, LA, GA, WV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282441
NMLS#: 1282441
About Christopher H Russi
Chris graduated from Ohio University in 1995 with a Bachelor's Degree in Business Administration and a concentration in both Finance and International Business. Chris has been with Morgan Stanley and it's predecessors since the beginning of his career, over 27 years ago. He maintains both a Financial Planning Specialist title from Morgan Stanley and a Chartered Retirement Plans Specialist designation from the College for Financial Planning. Chris focuses on non-core investments, corporate retirement plans, and client communication for The Atlantic Legacy Group at Morgan Stanley.
Chris lives in Chesapeake with his wife Kimberlee and their two children, Erin and Aiden.
Chris lives in Chesapeake with his wife Kimberlee and their two children, Erin and Aiden.
Securities Agent: OH, KY, VI, OK, GA, AK, NV, DC, NY, NC, MA, IA, CT, TX, SC, NM, IL, DE, WI, WA, SD, MO, IN, CO, AZ, UT, MD, LA, FL, AL, WV, AR, VA, KS, CA, TN, RI, PA, NJ, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275603
NMLS#: 1275603
About Kate Geremia, CFP®
Kate is a tidewater native and the proud daughter of two retired Naval officers. She graduated from Randolph-Macon College with a Bachelor's Degree in Biology and received her Pharmaceutical Sales Certification from the National Association of Pharmaceutical Sales Representatives.
Upon graduation, she joined Morgan Stanley as a Wealth Advisor Associate and found her passion for making a meaningful difference in people's lives by planning for their biggest financial goals. Kate recently joined the Atlantic Legacy Group at Morgan Stanley as the financial planner for the team, working directly with clients to understand their full financial picture. She specializes in creating and delivering comprehensive and personalized wealth advisory strategies that reflect each individual's wants and needs.
Upon graduation, she joined Morgan Stanley as a Wealth Advisor Associate and found her passion for making a meaningful difference in people's lives by planning for their biggest financial goals. Kate recently joined the Atlantic Legacy Group at Morgan Stanley as the financial planner for the team, working directly with clients to understand their full financial picture. She specializes in creating and delivering comprehensive and personalized wealth advisory strategies that reflect each individual's wants and needs.
Securities Agent: WA, DE, KY, WV, WI, SD, NY, IN, IL, SC, RI, NM, PA, GA, VI, NC, MO, IA, OK, OH, NV, LA, AR, AL, UT, ME, AK, MD, TN, MA, FL, CT, CO, CA, AZ, VA, NJ, KS, DC, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2293471
NMLS#: 2293471
About Kristine Salvador
Kristine is an alumna of Old Dominion University and
graduated with a Bachelor’s degree in Finance and Management. Upon graduation, Kristine started with Morgan Stanley and has since become a Senior Registered Associate while maintaining a Certified Financial Planner designation.
Kristine is an active member of her church and enjoys all outdoor activities including hiking, canoeing, and rock climbing. She has volunteered her time at the Foodbank, Relay for Life, and Our Lady of Perpetual Help. She currently resides in Virginia Beach with her husband, Dave.
graduated with a Bachelor’s degree in Finance and Management. Upon graduation, Kristine started with Morgan Stanley and has since become a Senior Registered Associate while maintaining a Certified Financial Planner designation.
Kristine is an active member of her church and enjoys all outdoor activities including hiking, canoeing, and rock climbing. She has volunteered her time at the Foodbank, Relay for Life, and Our Lady of Perpetual Help. She currently resides in Virginia Beach with her husband, Dave.
About Craig Perez
Craig is graduating from Old Dominion University in December 2024 with a Bachelor’s degree in Finance and Accounting. Craig started with Morgan Stanley and The Atlantic Legacy Group as an intern in September of 2021 and officially joined the team in April of 2022, becoming a Registered Associate shortly after.
Craig focuses on assisting in analyzing the financial markets with the teams Portfolio Manager Carl Pierson, as well as assisting clients in their administrative needs.
Craig focuses on assisting in analyzing the financial markets with the teams Portfolio Manager Carl Pierson, as well as assisting clients in their administrative needs.
Contact Carl R Pierson Jr.
Contact Christopher H Russi
Contact Kate Geremia, CFP®
Wealth Management
From Our Team
Monthly Market Viewpoint - March 2025
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
Article Image
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
Article Image
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact Atlantic Legacy Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8When 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
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8When 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)
