Glendon Pomeroy
First Vice President, Financial Advisor
Phone:
(508) 870-2321(508) 870-2321
The Pomeroy Group at Morgan Stanley
Direct:
(508) 870-7014(508) 870-7014
Toll-Free:
(866) 942-2210(866) 942-2210
Our Mission Statement
We strive to empower our clients to make confident and informed decisions that lead to their financial success and continued legacy.
The Value We Bring
The Pomeroy Group at Morgan Stanley is a dynamic team of Financial Advisors that focus on multi-generational Wealth Management. With over 100 years of collective financial industry experience, we are here to help protect and enhance the financial lives of you and the people that matter most to you.
Our team is equipped with the skills and knowledge to help make your vision for the future a reality. In addition, we have the financial solutions and intellectual capital of Morgan Stanley to provide you with a first-class client experience.
Financial Advisors Glen Pomeroy, Keith Pomeroy, Kendall Pomeroy and Nick Pomeroy are invested in the growth of their practice to ensure clients of a long-lasting succession plan for their relationships with the Pomeroy Group.
Our commitment to doing the right thing every day is the cornerstone of our longevity and we look forward to earning your trust. By investing significant time in learning what drives you and your family to achieve your life goals, we can help you develop a plan that is personalized to your unique circumstances.
We work with a wide range of clients, whether they are large company executives, small business owners, or have family wealth. We understand their values and dedication to the pursuit of their dreams.
Whether you are looking for a Certified Financial Planner™ or a Financial Advisor for your retirement planning, inheritance, divorce, or other personal financial objectives, you can trust that our team has the experience and the resources to help you achieve your life goals.
If our team sounds like it could be a good fit for you and your family, please don’t hesitate to get in touch and set up an informal introduction meeting.
Our team is equipped with the skills and knowledge to help make your vision for the future a reality. In addition, we have the financial solutions and intellectual capital of Morgan Stanley to provide you with a first-class client experience.
Financial Advisors Glen Pomeroy, Keith Pomeroy, Kendall Pomeroy and Nick Pomeroy are invested in the growth of their practice to ensure clients of a long-lasting succession plan for their relationships with the Pomeroy Group.
Our commitment to doing the right thing every day is the cornerstone of our longevity and we look forward to earning your trust. By investing significant time in learning what drives you and your family to achieve your life goals, we can help you develop a plan that is personalized to your unique circumstances.
We work with a wide range of clients, whether they are large company executives, small business owners, or have family wealth. We understand their values and dedication to the pursuit of their dreams.
Whether you are looking for a Certified Financial Planner™ or a Financial Advisor for your retirement planning, inheritance, divorce, or other personal financial objectives, you can trust that our team has the experience and the resources to help you achieve your life goals.
If our team sounds like it could be a good fit for you and your family, please don’t hesitate to get in touch and set up an informal introduction meeting.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
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We are passionate about guiding you through building your wealth, planning for your future, and creating a thoughtful wealth legacy for your family and philanthropic interests.
The State of Your Parents' Estate
If you have aging parents, have you spoken with them about estate planning recently? If not, aim to have that conversation before the end of the year.
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Learn about the federal estate and gift tax, how much you can give during your life or at death without incurring any tax, what exceptions apply, what amount is excluded annually, and more.
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Smart planning for the future education costs is critical. Learn more about how incorporating a 529 plan into your overall wealth strategy can help cover education expenses and offer tax-advantaged investing.
Check here to read moreAchieve Your Dream Retirement
Our clients have worked hard to build a business, raise families, or dedicate a life to serving others. They want to feel confident that their retirement years are well planned out and that they will have a Trusted Advisory Team to help guide them through the ever changing financial rules and regulations involving retirement and investments.
You can rely on the Pomeroy Group to help you with:
• 401(k) Rollovers
• Asset Allocation Strategies
• Business Retirement Plans
• Business Liquidity Events
• Comprehensive Retirement Planning
• Family Gifting Strategies
• Investment Strategies
• Medicare and Medicaid Guidance
• Required Minimum Distributions
• Risk Management
The Pomeroy Group will work directly with your accountants and lawyers on relevant tax and legal issues. Our group includes a Certified Financial Planner™ to help you with sophisticated financial modeling and guidance.
Wouldn’t it be great to know that you have an experienced and trusted professional helping you achieve your dream retirement? We are always ready to begin those conversations with you.
You can rely on the Pomeroy Group to help you with:
• 401(k) Rollovers
• Asset Allocation Strategies
• Business Retirement Plans
• Business Liquidity Events
• Comprehensive Retirement Planning
• Family Gifting Strategies
• Investment Strategies
• Medicare and Medicaid Guidance
• Required Minimum Distributions
• Risk Management
The Pomeroy Group will work directly with your accountants and lawyers on relevant tax and legal issues. Our group includes a Certified Financial Planner™ to help you with sophisticated financial modeling and guidance.
Wouldn’t it be great to know that you have an experienced and trusted professional helping you achieve your dream retirement? We are always ready to begin those conversations with you.
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Learn the moves you can make to help prepare yourselfWomen and Investing
Women of all ages are eagerly pursuing opportunities to expand their comfort level with the topics of investments, economics and retirement planning. We believe it is essential that women embrace a deeper understanding of these skills. Consider these motivating factors:
• Women now control 51% of the personal wealth in the US - The BMO Wealth Report
• Women, on average, will have lower lifetime earnings and longer life expectancies
• Women, on average, will receive less in social security benefits than men
• More women than men say they are less confident that they will have enough financial assets in retirement
• Divorced women, widows and single women will have heightened needs as they prepare for retirement
The Pomeroy Group at Morgan Stanley makes a special effort to understand and help address the financial needs of women at all stages of life. We are committed to helping you achieve an improved understanding of your financial life and your ability to achieve the retirement lifestyle you desire.
Our team has many years of experience helping women navigate these life issues, and it starts with listening.
• Women now control 51% of the personal wealth in the US - The BMO Wealth Report
• Women, on average, will have lower lifetime earnings and longer life expectancies
• Women, on average, will receive less in social security benefits than men
• More women than men say they are less confident that they will have enough financial assets in retirement
• Divorced women, widows and single women will have heightened needs as they prepare for retirement
The Pomeroy Group at Morgan Stanley makes a special effort to understand and help address the financial needs of women at all stages of life. We are committed to helping you achieve an improved understanding of your financial life and your ability to achieve the retirement lifestyle you desire.
Our team has many years of experience helping women navigate these life issues, and it starts with listening.
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How can women achieve better outcomes for their portfolios, their families, their businesses, and themselves? Our colleague Elizabeth Dennis, Head of Private Wealth Management, sheds light.
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Though the advancement of women in society and the workplace has improved women’s circumstances across many areas of their lives, there is still significant progress to be made. One often overlooked example of an area ripe for improvement is women’s status in retirement.
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Feeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
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Divorce or Death of a Spouse
It is important to evaluate the impact that divorce or a death of a spouse may have on both your personal and financial matters. We can help you to understand your options and develop a strategy for facing this major life transition and the new financial decisions that can arise.
Turn a difficult situation into empowermentLocation
1 Technology Dr
Westborough, MA 01581
US
Direct:
(508) 870-7014(508) 870-7014
Toll-Free:
(866) 942-2210(866) 942-2210
Meet The Pomeroy Group
Keith Pomeroy, CFP®, CRPC®
First Vice President, Financial Advisor, Family Wealth Advisor
Kendall Pomeroy, CRPC®
Financial Advisor
Nicholas Pomeroy, CRPC®
Financial Advisor
Phone:
(508) 870-7080(508) 870-7080
Ashley Casucci
Client Service Associate
Phone:
(508) 870-2324(508) 870-2324
About Glendon Pomeroy
Vice President
Glen leverages more than 40 years of financial services experience and wisdom to help clients make their wealth actionable so they can accomplish their most important goals. He assists clients in defining their threshold of independence at each stage of their lives and then putting a plan in place to help achieve—or exceed—that threshold. Having guided clients through both bull and bear markets, Glen understands the importance of patience and the long-term value of financial planning. His areas of focus are family dynamics, client relationships and new business development.
Prior to joining Morgan Stanley in 2008, Glen was a financial advisor at Merrill Lynch for 17 years. He started his career in private banking, where he gained exposure to lending and trusts, experience which continues to serve him well. Glen earned his B.A. in American history from Bowdoin College and his MBA in finance from Clark University.
A native of Massachusetts, Glen currently lives in Shrewsbury. He and his wife have been married since 1991, and they have two grown children. Glen is an active and avid member of the American Antiquarian Society, an independent research library which houses the largest collection of books, pamphlets, newspapers, periodicals and graphic arts material printed in the U.S. through 1876.
Glen leverages more than 40 years of financial services experience and wisdom to help clients make their wealth actionable so they can accomplish their most important goals. He assists clients in defining their threshold of independence at each stage of their lives and then putting a plan in place to help achieve—or exceed—that threshold. Having guided clients through both bull and bear markets, Glen understands the importance of patience and the long-term value of financial planning. His areas of focus are family dynamics, client relationships and new business development.
Prior to joining Morgan Stanley in 2008, Glen was a financial advisor at Merrill Lynch for 17 years. He started his career in private banking, where he gained exposure to lending and trusts, experience which continues to serve him well. Glen earned his B.A. in American history from Bowdoin College and his MBA in finance from Clark University.
A native of Massachusetts, Glen currently lives in Shrewsbury. He and his wife have been married since 1991, and they have two grown children. Glen is an active and avid member of the American Antiquarian Society, an independent research library which houses the largest collection of books, pamphlets, newspapers, periodicals and graphic arts material printed in the U.S. through 1876.
Securities Agent: MO, ME, FL, DC, RI, PA, NC, CA, AZ, CO, OH, MA, KY, CT, TN, SC, NJ, MN, MI, NH, WA, GA, VA, MD, NY, VT, TX, NV; General Securities Representative; Investment Advisor Representative
About Keith Pomeroy
Family Wealth Advisor
Vice President
For more than 30 years, Keith has been helping clients and their families put all the pieces of their financial puzzle together to solve for their needs and goals. As a CERTIFIED FINANCIAL PLANNER™, Chartered Retirement Planning Counselor® and Family Wealth Advisor, he has the skills and experience to assist clients with the full spectrum of multigenerational wealth management concerns. He is also adept at helping clients navigate difficult life transitions.
Before joining Morgan Stanley in 2008, Keith was a financial advisor at Merrill Lynch for 14 years. He began his career at IBM, where he worked first in corporate sales and then in management. Keith earned his B.A. from University of Massachusetts Amherst.
Keith and his wife have been married since 1992. They have two sons. A lifelong hockey player, Keith still plays as often as he can. His passion for helping people succeed extends beyond his professional career to his personal life. Keith has been teaching in public schools for nearly 30 years, and is a former Board Chair of Junior Achievement and a current Board Director of Massachusetts Education & Career Opportunities (MassEdCo). He helped spearhead the development of MassEdCo’s Collegiate Success Institute, a collaboration between local academic institutions and concerned business leaders to improve college acceptance rates and workforce-readiness among inner city high school students.
Vice President
For more than 30 years, Keith has been helping clients and their families put all the pieces of their financial puzzle together to solve for their needs and goals. As a CERTIFIED FINANCIAL PLANNER™, Chartered Retirement Planning Counselor® and Family Wealth Advisor, he has the skills and experience to assist clients with the full spectrum of multigenerational wealth management concerns. He is also adept at helping clients navigate difficult life transitions.
Before joining Morgan Stanley in 2008, Keith was a financial advisor at Merrill Lynch for 14 years. He began his career at IBM, where he worked first in corporate sales and then in management. Keith earned his B.A. from University of Massachusetts Amherst.
Keith and his wife have been married since 1992. They have two sons. A lifelong hockey player, Keith still plays as often as he can. His passion for helping people succeed extends beyond his professional career to his personal life. Keith has been teaching in public schools for nearly 30 years, and is a former Board Chair of Junior Achievement and a current Board Director of Massachusetts Education & Career Opportunities (MassEdCo). He helped spearhead the development of MassEdCo’s Collegiate Success Institute, a collaboration between local academic institutions and concerned business leaders to improve college acceptance rates and workforce-readiness among inner city high school students.
Securities Agent: NV, AZ, TX, GA, DC, VA, NJ, OH, NC, SC, NY, KY, CA, MD, CT, NH, ME, FL, CO, WA, VT, MN, MI, MA, TN, MO, RI, PA; General Securities Representative; Investment Advisor Representative
About Kendall Pomeroy
Originally from Shrewsbury, Massachusetts, I attended Saint John's High School and then attended the University of Massachusetts Lowell. There, I majored in history and pitched for the university's baseball team. These experiences taught me the importance of teamwork, collaboration, and discipline, which I bring to my work with clients.
Before joining Morgan Stanley, I worked for Fidelity Investments in Smithfield, Rhode Island. Here, I gained valuable experience in investment management and client service. I also served as a youth baseball coach in Northborough, Massachusetts, which deepened my appreciation for coaches and teachers and reinforced the value of working collectively towards a common goal.
As a Financial Advisor with Morgan Stanley, I specialize in comprehensive financial planning and asset allocation to help clients achieve their financial goals. My approach is rooted in understanding each client's unique needs and tailoring strategies that align with their aspirations. Focusing on long-term planning and disciplined investment strategies, I strive to provide clients with clarity and confidence in their financial futures.
I currently reside in Waltham, Massachusetts. Outside of work, I enjoy exploring Boston, trying new restaurants, traveling, and staying active through exercise. I'm a proud Boston sports fan with a particular bias toward the Red Sox. In the summer, I enjoy spending time with family and friends at the beach in Quonochontaug, Rhode Island.
Before joining Morgan Stanley, I worked for Fidelity Investments in Smithfield, Rhode Island. Here, I gained valuable experience in investment management and client service. I also served as a youth baseball coach in Northborough, Massachusetts, which deepened my appreciation for coaches and teachers and reinforced the value of working collectively towards a common goal.
As a Financial Advisor with Morgan Stanley, I specialize in comprehensive financial planning and asset allocation to help clients achieve their financial goals. My approach is rooted in understanding each client's unique needs and tailoring strategies that align with their aspirations. Focusing on long-term planning and disciplined investment strategies, I strive to provide clients with clarity and confidence in their financial futures.
I currently reside in Waltham, Massachusetts. Outside of work, I enjoy exploring Boston, trying new restaurants, traveling, and staying active through exercise. I'm a proud Boston sports fan with a particular bias toward the Red Sox. In the summer, I enjoy spending time with family and friends at the beach in Quonochontaug, Rhode Island.
Securities Agent: WA, VA, OH, MD, RI, TX, NV, ME, CA, NJ, NH, MI, GA, CO, TN, NC, MN, FL, DC, PA, MO, MA, VT, KY, CT, AZ, SC, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 2274465
NMLS#: 2274465
About Nicholas Pomeroy
Since entering the financial services industry in 2018, Nick has developed a passion for building meaningful relationships with clients and helping them achieve their personal and financial goals. A key focus of his is financial planning and leveraging Morgan Stanley’s modern wealth management process.
Prior to joining the team at Morgan Stanley, Nick worked for The Bank of New York Mellon in their Boston office. While at BNY he worked as a financial analyst, as well as a relationship manager, covering some of the firm’s largest bank, broker-dealer and insurance clients.
Nick graduated with a BBA in Finance from the Isenberg School of Management in 2019. While in college he worked as a member of the administration team in Isenberg’s Office of the Dean.
Nick lives in the Greater Boston area and enjoys golfing, skiing and playing pickup hockey in his free time.
Prior to joining the team at Morgan Stanley, Nick worked for The Bank of New York Mellon in their Boston office. While at BNY he worked as a financial analyst, as well as a relationship manager, covering some of the firm’s largest bank, broker-dealer and insurance clients.
Nick graduated with a BBA in Finance from the Isenberg School of Management in 2019. While in college he worked as a member of the administration team in Isenberg’s Office of the Dean.
Nick lives in the Greater Boston area and enjoys golfing, skiing and playing pickup hockey in his free time.
Securities Agent: PA, MA, AZ, NH, NV, TX, RI, OH, MI, MD, GA, NY, DC, NJ, FL, WA, NC, CO, ME, VA, TN, MO, MN, CT, CA, SC, KY, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 2511636
NMLS#: 2511636
About Ashley Casucci
Ashley Casucci is a Client Service Associate with a passion for customer service. Ashley is committed to providing clients a full service experience by assisting clients in day-to-day administration and problem resolution. Ashley holds a Masters of Science from Northeastern University and a Bachelors of Music from Boston University. In her free time Ashley enjoys theater; she is the President of the Gazebo Players and is on the Board of Directors for the TCAN Players and Curtain Up Theater company. Ashley resides in Hopkinton with her husband and three children.
Contact Glendon Pomeroy
Contact Keith Pomeroy
Contact Kendall Pomeroy
Contact Nicholas Pomeroy
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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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Pomeroy 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
