Lauren E De Simone, CFP®
Executive Director, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(212) 503-1149(212) 503-1149
The Plaza Group at Morgan Stanley
Direct:
(212) 503-1149(212) 503-1149
Toll-Free:
(800) 323-7788(800) 323-7788
Our Mission Statement
To enhance the lives of our clients through personal service, trustworthy advice and superior investment management
Manage Your Financial Life with Greater Confidence and Control
Volatile markets. Tax law changes. Unexpected life events. Managing money in an everchanging world can be challenging and time consuming. Having a skilled and caring advisory team on your side can help organize and manage your finances, so you can spend less time worrying and more time enjoying the people and activities that give your life meaning.
At The Plaza Group, we are an experienced team of financial professionals with a long history of working with successful individuals and multi-generational families. We offer a full spectrum of solutions that can be customized to your specific goals, circumstances and timelines. Our personalized approach empowers you to manage your financial life with greater confidence.
We begin by learning about you. This enables us to build a comprehensive strategy that includes a financial plan, a tailored investment portfolio, as well as other important long-term solutions. These may include cash management techniques, tax-minimization strategies and estate trust services – essentially every decision that touches your assets. We provide the knowledge, insights and resources – all under one roof – to help you make more informed decisions about your finances now and in the future.
Getting started is easy. It begins with a conversation. We look forward to getting to know you and sharing details on how we can make a real difference in the way you manage your money now and for the generations that follow.
Disclaimer:
Morgan 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.
At The Plaza Group, we are an experienced team of financial professionals with a long history of working with successful individuals and multi-generational families. We offer a full spectrum of solutions that can be customized to your specific goals, circumstances and timelines. Our personalized approach empowers you to manage your financial life with greater confidence.
We begin by learning about you. This enables us to build a comprehensive strategy that includes a financial plan, a tailored investment portfolio, as well as other important long-term solutions. These may include cash management techniques, tax-minimization strategies and estate trust services – essentially every decision that touches your assets. We provide the knowledge, insights and resources – all under one roof – to help you make more informed decisions about your finances now and in the future.
Getting started is easy. It begins with a conversation. We look forward to getting to know you and sharing details on how we can make a real difference in the way you manage your money now and for the generations that follow.
Disclaimer:
Morgan 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.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Sustainable InvestingFootnote4
- Planning for Education FundingFootnote5
- Retirement PlanningFootnote6
- Cash Management and Lending ProductsFootnote7
- Estate Planning StrategiesFootnote8
- Philanthropic ManagementFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Plaza Group Advantage
We enjoy working with individuals and families who seek the same kind of meaningful relationships we value and who appreciate the following attributes we believe set us apart from other advisory teams.
Experience & Industry Recognition
As one of “Forbes Best-In-State Wealth Management Teams” in 2024 and 2025, The Plaza Group takes pride in the recognition earned as a team and on an individual basis. Lauren and Felicia have both earned the prestigious CERTIFIED FINANCIAL PLANNER® designation. Since Lauren began her career at Morgan Stanley in 2003, she has received a number of industry and firm awards. Lauren was named to the 2024 Forbes list of “Best-In-State Wealth Advisors”, 2022-2024 Forbes list of "America's Top Women Wealth Advisors Best-In-State", 2021 Forbes list of “America's Top Women Wealth Advisors”, and Working Mother Magazine’s “Top Wealth Advisor Moms” in 2020 and 2021. She is also a member of the firm’s 2022 President’s Club. Felicia joined Morgan Stanley in 2018 and has been a member of the firm's Pacesetter's Club since 2021, an honor that recognizes talented, rising advisors at the firm. Together, they continue The Plaza Group’s legacy and enjoy many longstanding client relationships, some of which began over 30 years ago.
Concierge Relationships & Service
We not only seek to recommend good investments, we strive to deliver a superior level of service that is both holistic and consultative. We are always here for you, serving as a sounding board so you can make the right decision. We create a personalized experience to help you achieve your goals in a manner that aligns with your expectations of the highest standard of care. Most importantly, we strive to deliver customized advice and service before you know you need it and to respond to every request or question within a timely manner.
A Coordinated Approach
We believe you are entitled to the best advice possible. As a result, we often collaborate with specialists across Morgan Stanley, as well as other professionals within the industry who are considered experts in their fields. We work in collaboration with your accountant and estate attorney to gain the precise knowledge needed to effectively manage your wealth, while helping ensure our recommendations are fully aligned with your overall goals and implemented as planned.
Tax-Aware Investing
Investing for the future is not only about how much you earn, but how much you keep. We use a tax-advantaged lens when selecting and managing your investments, so your portfolio has the ability to grow as effectively as possible. We bring a high level of sophistication to this dynamic arena.
Sustainable Investing
“Sustainable Investing” is a strategy that aligns your financial goals with your personal values. If this approach is of interest to you, we can “screen out” or restrict certain types of companies and sectors when investing your assets; we can “screen in” or focus on certain themes or sectors; or we can consider certain Environmental, Social and Governance (ESG) criteria when identifying certain opportunities. We look forward to sharing more details about this investment strategy.
Disclosures
2024 - 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2024 Forbes America’s Top Wealth Advisors & Best-In-State Wealth Advisors
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
2022-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2021 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State "Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/19 - 9/30/20.
"2020-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2020-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given. "
(Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22-9/30/23.)
Forbes Top Financial Advisors Lists 2024 | Morgan Stanley
Source: Forbes.com (Awarded 2024 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2024 Forbes America’s Top Wealth Advisors & Best-In-State Wealth Advisors
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
2022-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2021 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State "Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/19 - 9/30/20.
"2020-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2020-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given. "
(Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22-9/30/23.)
Forbes Top Financial Advisors Lists 2024 | Morgan Stanley
You’ve Got Questions, We’ve Got Answers
Ongoing financial education is a vital element of our practice. It leads to better insights into our strategies and disciplines, and ultimately, better long-term decisions. We have assembled the following resources that reinforce the fundamental pillars of our practice and provide valuable information to help manage your money more effectively in today’s global financial world..
Wealth Management
Wealth management brings all the dimensions of your life together into an organized and holistic strategy that reflects who you are, where you want to go and how to get you there. From investment management to legacy planning and everything in between, our consultative approach provides all the solutions and services needed to achieve your life goals.
Wealth Management Portfolio Insights
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your long-term goals, current resources and expectations for the future. Effective planning can help eliminate blind spots, minimize risk and reduce taxes, all while helping ensure you achieve your goals as you had envisioned.
Goals Based Wealth Management
Investment Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a personalized strategy that applies long-held investment principles to help your assets appreciate appropriately, generate income when needed, and reduce current and future taxation.
Market Trends
Socially Responsible Investing
Many investors today seek meaningful ways to create positive economic, social and environmental impact through the investments they make in their portfolio. Sustainable Investing focuses on aligning financial goals – which are driven by economic fundamentals – with impact goals – which are driven by personal values and mission. We can help you integrate these themes into your investment strategy.
Investing With ImpactWealth Consulting
As your wealth grows, so does its complexities. We listen carefully to understand how you feel about important financial topics. Understanding your deepest concerns enables us to provide customized advice in a way that respects the values, relationships and priorities that make your life unique.
Why Advice Matters
Education Funding
Meeting the educational costs of children and grandchildren may be one of the most personal fulfilling investments you can make. We can help you access appropriate investment vehicles and determine the best strategies for achieving this goal.
Education Planning Center
Cash Management
Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
CashPlus: A Modern Alternative to Banking
Estate Planning Services
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Legacy Trusts and Estate Planning
Philanthropic Services
Many successful people seek opportunities to support cultural and educational institutions, as well as nonprofit organizations. I will help you analyze and implement a strategy that benefits the causes you care most about, while managing your overall portfolio in a tax-advantaged manner.
Tax-Efficient Charitable Gifting Strategies
Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Retirement PlanningThe Four Pillars of Wealth Consulting
We don’t believe in a one-size-fits-all approach to wealth consulting and investment management. Rather, we listen carefully to what is important to you so we can create a personalized path to your goals – a path that can navigate the ups and downs of today’s financial markets, while helping achieve your goals and without any unnecessary risk.
Our four pillars represent our ongoing commitment to your evolving financial interests. We are here each step of the way to help you achieve your goals at every stage of your financial life.
Our four pillars represent our ongoing commitment to your evolving financial interests. We are here each step of the way to help you achieve your goals at every stage of your financial life.
Mutual Respect & Understanding
• We listen carefully to understand what is important to you, your family and your future
• We identify circumstances unique to your situation and their potential financial implications
• We conduct a full financial review taking into consideration your goals, priorities and timeframes before making any recommendations
• We clearly articulate our financial recommendations and what to expect from our work together
• We identify circumstances unique to your situation and their potential financial implications
• We conduct a full financial review taking into consideration your goals, priorities and timeframes before making any recommendations
• We clearly articulate our financial recommendations and what to expect from our work together
Customized Financial Planning & Investment Strategies
• We look at both sides of your balance sheet – including all current assets and liabilities – to determine how to best position your portfolio moving forward utilizing industry-leading investments available at Morgan Stanley
• We go beyond investments to look at all aspects of your financial life including savings, taxes, cash management, insurance and estate planning strategies
• We present our strategies with your financial plan, explaining not only “what” we recommend but “why” we recommend it
• We go beyond investments to look at all aspects of your financial life including savings, taxes, cash management, insurance and estate planning strategies
• We present our strategies with your financial plan, explaining not only “what” we recommend but “why” we recommend it
Your Financial Life Coach
• We provide ongoing financial education to help you make informed decisions and stay on course during periods of uncertainty and market volatility
• We provide guidance as events arise impacting your financial life and work closely with you to resolve and find solutions
• We coordinate with your accountant and estate attorney to successfully execute financial strategies
• We provide guidance as events arise impacting your financial life and work closely with you to resolve and find solutions
• We coordinate with your accountant and estate attorney to successfully execute financial strategies
Concierge Service
• We are committed to a premium service experience and develop long-term relationships that provide special value to you and your family
• We schedule regular calls and meetings to discuss progress towards each of your goals
• Working together, we’ll determine if any adjustments are needed, since personal goals and market conditions can change over time
• We schedule regular calls and meetings to discuss progress towards each of your goals
• Working together, we’ll determine if any adjustments are needed, since personal goals and market conditions can change over time
Managing Your Money in the 21st Century
We are proud to work at Morgan Stanley, a global leader in financial services with a long history of putting the needs of clients first. Our firm strives to ensure that its technology platforms are resilient, safe, efficient, smart, fast and flexible. As a part of our services, these resources are readily available to our clients. We would be glad to assist you in signing up or learning more about any of these services.
Morgan Stanley Online
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eDelivery
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Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn MoreLocation
55 East 52nd Street 28th Fl
New York, NY 10055
US
Direct:
(212) 503-1149(212) 503-1149
Toll-Free:
(800) 323-7788(800) 323-7788
Meet The Plaza Group
Felicia E Posil, CFP®
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER®
Phone:
(212) 503-1146(212) 503-1146
Aashka Piprottar
Wealth Management Analyst
Phone:
(212) 503-1147(212) 503-1147
Shania Aguiar
Client Service Associate
Phone:
(212) 503-1114(212) 503-1114
About Lauren E De Simone
Lauren is a CERTIFIED FINANCIAL PLANNER™ professional and Financial Advisor with the The Plaza Group at Morgan Stanley, where she has been a team member since 2003. She holds the firm’s Financial Planning Specialist and Family Wealth Advisor designations. Lauren provides customized advice and comprehensive wealth management planning to financially successful individuals and multi-generational families.
As a Financial Advisor, Lauren is dedicated to understanding her client’s values and goals. Through an in-depth discovery process and commitment to on-going communication, customized investment plans are created for each client. She takes the time to help ensure her clients understand the strategies behind each recommendation, so they remain informed and actively involved in their own financial plan. Through working with their accountants and attorneys, she helps clients navigate the sometimes complex financial decisions in their lives in a tax-efficient manner. This enables them to grow, preserve and transfer their wealth. Lauren is committed to providing a caring and compassionate relationship with each client.
Lauren is a member of the Financial Planning Association and The Investments & Wealth Institute. She graduated Cum Laude from Bucknell University with a B.A. degree in Economics, and holds her Series 7, 63, 65, and life insurance licenses. Lauren lives in Westchester County, New York with her husband, Steve, and their two children, Sophia and Luca. Her favorite leisure activities include, skiing, travelling and spending time with family and friends.
As a Financial Advisor, Lauren is dedicated to understanding her client’s values and goals. Through an in-depth discovery process and commitment to on-going communication, customized investment plans are created for each client. She takes the time to help ensure her clients understand the strategies behind each recommendation, so they remain informed and actively involved in their own financial plan. Through working with their accountants and attorneys, she helps clients navigate the sometimes complex financial decisions in their lives in a tax-efficient manner. This enables them to grow, preserve and transfer their wealth. Lauren is committed to providing a caring and compassionate relationship with each client.
Lauren is a member of the Financial Planning Association and The Investments & Wealth Institute. She graduated Cum Laude from Bucknell University with a B.A. degree in Economics, and holds her Series 7, 63, 65, and life insurance licenses. Lauren lives in Westchester County, New York with her husband, Steve, and their two children, Sophia and Luca. Her favorite leisure activities include, skiing, travelling and spending time with family and friends.
Securities Agent: DE, IN, WI, NV, WA, NH, NC, MD, GA, CA, AZ, PA, IL, CO, TN, NJ, FL, OR, MI, DC, VA, NY, CT, TX, MA, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1437891
NMLS#: 1437891
About Felicia E Posil
Felicia joined The Plaza Group as a Financial Advisor in 2019. Financial planning is central to her advisory role. She is committed to working with clients to create a financial plan that grows with them throughout life’s milestones. Her process starts with getting to know her clients’ values and goals and understanding their attitude towards risk. Each plan is developed with customized strategies to achieve their financial goals in a tax-efficient manner while minimizing risk. Felicia is an advocate for sustainability and impact investing and enjoys working with clients to create an investment portfolio in line with their values.
Felicia is passionate about community involvement and financial empowerment through education. As a member of the New York Junior League, she helps underserved communities in the New York City. She is also involved with the Financial Women’s Association and Accounting & Financial Women’s Alliance.
Felicia started her career as a Financial Advisor with Merrill Lynch in Scottsdale, Arizona. Prior to entering the Financial Services industry, she lived in Munich, Germany while she earned her Master’s Degree from Macromedia University of Applied Sciences. She received her Bachelor’s degree from Arizona State University and Certificate in Financial Planning from New York University.
Felicia moved to the east coast in 2018, she is originally from Vancouver, Canada and lived in Scottsdale, Arizona for over 15 years. In her free time she enjoys cooking, traveling and maintaining an active lifestyle.
Felicia is passionate about community involvement and financial empowerment through education. As a member of the New York Junior League, she helps underserved communities in the New York City. She is also involved with the Financial Women’s Association and Accounting & Financial Women’s Alliance.
Felicia started her career as a Financial Advisor with Merrill Lynch in Scottsdale, Arizona. Prior to entering the Financial Services industry, she lived in Munich, Germany while she earned her Master’s Degree from Macromedia University of Applied Sciences. She received her Bachelor’s degree from Arizona State University and Certificate in Financial Planning from New York University.
Felicia moved to the east coast in 2018, she is originally from Vancouver, Canada and lived in Scottsdale, Arizona for over 15 years. In her free time she enjoys cooking, traveling and maintaining an active lifestyle.
Securities Agent: CA, PA, NV, NJ, MI, TX, OR, WI, VA, NY, MN, DE, CO, AZ, WA, TN, NC, MD, MA, GA, FL, NH, DC, IN, IL, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1636503
NMLS#: 1636503
Contact Lauren E De Simone
Contact Felicia E Posil
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Ready to start a conversation? Contact The Plaza 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
7Morgan 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
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
7Morgan 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
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
