Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(207) 771-0816(207) 771-0816
The Portland Group at Morgan Stanley
Direct:
(207) 771-0800(207) 771-0800
Toll-Free:
(800) 442-6722(800) 442-6722
Our Mission Statement
Providing an open, friendly and comfortable environment to help you tell your story, discover your unique path, and achieve your most valued goals.
Our Story
At the Portland Group, we are a highly experienced wealth management team that serves a clientele of successful individuals and their families. Our goal is to help each of our clients protect and grow their assets, simplify their financial lives and pursue the goals they have set for themselves, their families, their businesses and communities.
Collectively, our team has over 50 years of experience in assisting clients reach their financial goals. Combining our experience with the vast resources and intellectual capital of Morgan Stanley, we can craft highly customized and fully comprehensive wealth management plans based on your specific needs and aspirations.
Thanks to the trust that our clients have put in us, our team has been the recipient of a number industry awards. Jay Cross, Financial Advisor has been named to the Forbes Best In-State Wealth Advisor each of the past 7 years, and The Portland Group was named to the Forbes Best In-State Wealth Management Team in 2023.
We are also deeply connected to the causes of our community. By donating our own time and resources to several local organizations listed below. This solidifies our place in the community and reinforces our values-based planning and wealth management services:
• Boys & Girls Club of Southern Maine
• Preble Street
• Center for Grieving Children
• Cape Elizabeth Education Foundation (CEEF)
• Kids First Center
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Collectively, our team has over 50 years of experience in assisting clients reach their financial goals. Combining our experience with the vast resources and intellectual capital of Morgan Stanley, we can craft highly customized and fully comprehensive wealth management plans based on your specific needs and aspirations.
Thanks to the trust that our clients have put in us, our team has been the recipient of a number industry awards. Jay Cross, Financial Advisor has been named to the Forbes Best In-State Wealth Advisor each of the past 7 years, and The Portland Group was named to the Forbes Best In-State Wealth Management Team in 2023.
We are also deeply connected to the causes of our community. By donating our own time and resources to several local organizations listed below. This solidifies our place in the community and reinforces our values-based planning and wealth management services:
• Boys & Girls Club of Southern Maine
• Preble Street
• Center for Grieving Children
• Cape Elizabeth Education Foundation (CEEF)
• Kids First Center
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Business Succession PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Philanthropic Services
- Trust AccountsFootnote5
- Endowments and FoundationsFootnote6
- Divorce Financial AnalysisFootnote7
- Professional Portfolio ManagementFootnote8
- Sustainable InvestingFootnote9
- Cash ManagementFootnote10
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
The greatest successes require a committed team. This is especially true in wealth management, which permeates nearly every aspect of your life and requires the involvement of professionals with expertise in several areas. We help by working with outside professionals who have a similar approach to ours in achieving your financial well-being, including:
• Trust & Estate Attorney
• Certified Public Accountant
• 401k Specialist
• Morgan Stanley Private Banking Specialist
• The Global Investment Committee ®
• Insurance Specialist
Further, our place on a boutique team at one of the leading wealth management firms in the world provides clients with both personalized attention and comprehensive resources, such as:
• Financial planning solutions with advanced goals analysis tracking
• Leading edge research and investment analysis
• A widespread investment platform with access to top portfolio managers
• Private banking, cash management and lending solutions
• Family wealth management, governance, and lifestyle advisory services
• We make a conscious choice to work at Morgan Stanley because we believe it provides the most complete platform for our clients.
• Trust & Estate Attorney
• Certified Public Accountant
• 401k Specialist
• Morgan Stanley Private Banking Specialist
• The Global Investment Committee ®
• Insurance Specialist
Further, our place on a boutique team at one of the leading wealth management firms in the world provides clients with both personalized attention and comprehensive resources, such as:
• Financial planning solutions with advanced goals analysis tracking
• Leading edge research and investment analysis
• A widespread investment platform with access to top portfolio managers
• Private banking, cash management and lending solutions
• Family wealth management, governance, and lifestyle advisory services
• We make a conscious choice to work at Morgan Stanley because we believe it provides the most complete platform for our clients.
Personalized Planning With Comprehensive Access
We are extremely grateful for our place on a boutique team at Morgan Stanley, one of the leading wealth management firms in the world. This provides clients with personalized attention, along with the comprehensive resources of a global firm.
Morgan Stanley’s suite of capabilities is unmatched. We make a conscious choice to work at Morgan Stanley because we believe it provides the most comprehensive platform for our clients.
Morgan Stanley’s suite of capabilities is unmatched. We make a conscious choice to work at Morgan Stanley because we believe it provides the most comprehensive platform for our clients.
Our Process & Your Journey
Keeping it in the Family
We maintain an awareness of the family situation to ensure our clients’ dedication pays off for generations to come. Family wealth planning, succession planning, family governance, and wealth education help you plan for today while keeping an eye toward the future generations.
We maintain an awareness of the family situation to ensure our clients’ dedication pays off for generations to come. Family wealth planning, succession planning, family governance, and wealth education help you plan for today while keeping an eye toward the future generations.
Latest Resources
The Portland Group strives to simplify complex financial ideas into a digestible format so that our clients can truly understand the work that goes into planning for their financial future and livelihood. We are firm believers in providing our clients with as many resources as possible so that they may stay informed on the latest market trends, analyses, and outlooks. The resources below provide in-depth analysis on current market events and finance topics that are affecting the business world today.
Our Quarterly Newsletter
Check out the latest edition of our quarterly newsletter. You will find updates from the team, along with a collection of timely and insightful articles.
View Here
Our Start-of-Year Planning Checklist
Our Start-of-Year Planning Checklist will guide you through important action items you should consider to help secure your finances and set the stage for 2025 and beyond.
Read More
Upcoming Firm Events
How will disruptive technologies like artificial intelligence and robotics reshape industries, drive economic growth and transform business models? Join us for a virtual event on Thursday, January 30th, to learn more about navigating investment strategies in a tech-driven world.
Register Here
Global Investment Committee on the Markets Monthly Report
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape
Read more
Global Investment Committee Weekly Research Report
The Global Investment Committee's Weekly Report provides an in depth look at markets, asset class performance and fixed income on a weekly basis.
Read more
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Listen here
Midyear Outlooks
As inflation moderates toward central bank targets, investors can feel optimistic that interest rates will start to come down and that a stable global recovery will take hold in 2024.
Read moreLocation
100 Middle St
3rd Fl
Portland, ME 04101
US
Direct:
(207) 771-0800(207) 771-0800
Toll-Free:
(800) 442-6722(800) 442-6722
Meet The Portland Group
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(207) 871-7326(207) 871-7326
Lianie McGowan
Portfolio Associate
Phone:
(207) 871-7318(207) 871-7318
Kristoffer Noble
Consulting Group Analyst
Phone:
(207) 771-0856(207) 771-0856
About Jay Cross
Jay Cross is Executive Director, Portfolio Management Director and has been a Financial Advisor for over 22 years. He joined Morgan Stanley in 2006 after opening and managing the Edward Jones Investments office in Scarborough, Maine since 2001.
Jay focuses on providing comprehensive financial planning solutions to local business owners, corporate executives, and families that are experiencing a significant transition in their life. Prior to working as a Financial Advisor, Jay graduated from Southern New Hampshire University with a B.S. Degree in Management Information Systems in 1990.
In his spare time, Jay enjoys exploring all the Maine has to offer, traveling to new places, attending live concerts, and watching live sports. He lives in Cape Elizabeth with his wife, Lynne and two children, Mason and Emerson.
Jay focuses on providing comprehensive financial planning solutions to local business owners, corporate executives, and families that are experiencing a significant transition in their life. Prior to working as a Financial Advisor, Jay graduated from Southern New Hampshire University with a B.S. Degree in Management Information Systems in 1990.
In his spare time, Jay enjoys exploring all the Maine has to offer, traveling to new places, attending live concerts, and watching live sports. He lives in Cape Elizabeth with his wife, Lynne and two children, Mason and Emerson.
Securities Agent: MA, MD, AL, NH, AZ, NY, VT, DC, CA, NV, MO, ME, FL, VA, NC, PA, MS, KY, OH, IL, NJ, GA, CT, CO, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1347309
NMLS#: 1347309
About Steven Marsanskis
Earning the designation of CERTIFIED FINANCIAL PLANNER™ and Chartered Retirement Planning Counselor℠, Steve works alongside individuals, families, and their dedicated advisors to help solve their most complex financial planning and portfolio management needs. He joined Morgan Stanley in 2002 after working in the paper industry as a chemical engineer for 15 years. Prior to that, Steve graduated from the University of Rochester with a Bachelor of Science Degree in Chemical Engineering in 1987.
Steve and his wife Marilyn have been married for over 30 years and reside in Falmouth, Maine. They have 2 grown children who keep them busy traveling to new places. In his free time, he enjoys golf, skiing, and wine making.
Steve and his wife Marilyn have been married for over 30 years and reside in Falmouth, Maine. They have 2 grown children who keep them busy traveling to new places. In his free time, he enjoys golf, skiing, and wine making.
Securities Agent: LA, MO, IN, NY, NJ, AZ, SC, RI, IL, CA, WY, CT, AL, OK, PA, NC, WI, CO, AK, VT, FL, TX, ME, VA, WA, NH, GA, MI, MD, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285156
NMLS#: 1285156
About Lianie McGowan
Lianie has been with Morgan Stanley since 1990. Lianie is responsible for managing client relationships, scheduling appointments, handling service issues and requests, and ensuring that each client receives personal care and attention.
A life-long resident of Maine, she, along with her husband, David, and sons, Dillan and Austin, reside in Raymond, Maine. When out of the office, she enjoys reading, walking, and spending time with family, friends and her dog Bailey.
A life-long resident of Maine, she, along with her husband, David, and sons, Dillan and Austin, reside in Raymond, Maine. When out of the office, she enjoys reading, walking, and spending time with family, friends and her dog Bailey.
About Kristoffer Noble
An experienced professional with Morgan Stanley since 2000, Kris focuses on delivering investment due diligence, risk-reward analysis and investment manager analysis to a select group of clients. He received his Consulting Group Analyst designation in 2004 and continues to design, implement and monitor portfolios to help clients achieve their long-term goals. Kris currently holds his Series 7, 63, 65 and Insurance licenses.
Born and raised in Maine, Kris graduated from the University of New Hampshire with a Bachelor of Science degree in Business Administration and a minor in Finance. He and his wife, April, and daughters, Sydney and Ava, reside in Limington, Maine. When out of the office, Kris enjoys coaching his children's sports teams and stays active in health and fitness.
Born and raised in Maine, Kris graduated from the University of New Hampshire with a Bachelor of Science degree in Business Administration and a minor in Finance. He and his wife, April, and daughters, Sydney and Ava, reside in Limington, Maine. When out of the office, Kris enjoys coaching his children's sports teams and stays active in health and fitness.
Contact Jay Cross
Contact Steven Marsanskis
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Christian Catricala
Private Banker
Trent Blossom, CFP®, CIMA®
Financial Planning, Vice President
Morgan Baughman
Planning Associate
About Christian Catricala
Christian Catricala is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts and Rhode Island.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Christian began his career in financial services in 2015, and joined Morgan Stanley in 2016 as a Rotational Analyst supporting a variety of divisions in Wealth Management. Prior to being promoted to his current role, he was an Associate Private Banker supporting Wealth Management offices in Boston, Massachusetts.
Christian is a graduate of the Merrimack College, where he received a Bachelor of Science in Accounting and Marketing. He lives in Melrose, Massachusetts with his wife. Outside of the office, Christian enjoys cooking, biking, and traveling.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Christian began his career in financial services in 2015, and joined Morgan Stanley in 2016 as a Rotational Analyst supporting a variety of divisions in Wealth Management. Prior to being promoted to his current role, he was an Associate Private Banker supporting Wealth Management offices in Boston, Massachusetts.
Christian is a graduate of the Merrimack College, where he received a Bachelor of Science in Accounting and Marketing. He lives in Melrose, Massachusetts with his wife. Outside of the office, Christian enjoys cooking, biking, and traveling.
NMLS#: 1773684
About Trent Blossom
Trent Blossom is a Vice President, Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Maine, New Hampshire, and Vermont. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Trent began his career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to his current position, he served as a Wealth Advisor at a registered investment advisor in Maine and worked in a variety of roles at MFS Investment Management in Boston, MA.
Trent graduated from Bowdoin College with a degree in Economics. He completed the College for Financial Planning education program and is a CFP® practitioner. Trent earned his Certified Investment Management Analyst® designation through the Investments and Wealth InstituteTM in conjunction with the Wharton School of Finance at the University of Pennsylvania. Trent resides in Kennebunk, ME with his wife, Emily, and two sons.
Trent began his career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to his current position, he served as a Wealth Advisor at a registered investment advisor in Maine and worked in a variety of roles at MFS Investment Management in Boston, MA.
Trent graduated from Bowdoin College with a degree in Economics. He completed the College for Financial Planning education program and is a CFP® practitioner. Trent earned his Certified Investment Management Analyst® designation through the Investments and Wealth InstituteTM in conjunction with the Wharton School of Finance at the University of Pennsylvania. Trent resides in Kennebunk, ME with his wife, Emily, and two sons.
About Morgan Baughman
Morgan Baughman is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Morgan provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Connecticut College and received the Financial Planning Specialist® designation from the College for Financial Planning. Morgan is originally from Waterbury, Vermont and currently resides in New York City, NY.
He earned his undergraduate degree from Connecticut College and received the Financial Planning Specialist® designation from the College for Financial Planning. Morgan is originally from Waterbury, Vermont and currently resides in New York City, NY.
Wealth Management
Global Investment Office
Portfolio Insights
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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 Portland Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
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 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.
6Morgan 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.
7Morgan 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.
8Morgan 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.
9The 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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
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 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.
6Morgan 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.
7Morgan 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.
8Morgan 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.
9The 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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products 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.
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Awards Disclosures
CRC 6491812 (04/2024)
