David W Posner
Senior Vice President, Wealth Advisor, Corporate Client Group Director
Phone:
(973) 660-4786(973) 660-4786
The Posner Group at Morgan Stanley
Direct:
(973) 660-4734(973) 660-4734
Toll-Free:
(866) 229-0841(866) 229-0841
Our Mission Statement
Experience, intellectual capital and dedicated personal service
to all of our corporate and individual clients.
to all of our corporate and individual clients.
Welcome
Our group works closely with corporate executives and other high net worth individuals to integrate corporate benefits including equity compensation into a comprehensive wealth management strategy. We regularly trade large stock positions, including thinly traded stock. Our corporate clients include smaller companies to Fortune 500 members, and leaders in the insurance, technology, and financial services industries. Our familiarity with the intricacies of equity compensation, and our unwavering commitment to client service, set us apart.
For Corporations:
We provide employees with the highest level of customer service via focused, personalized attention. We educate plan participants via customized broad-based programs and video and in-person sessions. We appreciate the nuances of corporate cultures, resulting in a more meaningful client experience.
For Executives:
We negotiate the regulations surrounding trading company stock, including Rule 144 and Section 16.
For Individuals:
We bring to our clients the full resources of Morgan Stanley and our wholly-owned E*TRADE.
Services Include:
- 10b5-1 Plans
- Executive Financial Services
- Wealth Planning
- Retirement Planning
- Saving for College
- 401(k) Rollovers
- Maintaining Cash Flow
- Traditional Investments
- Alternative Investments
- Cash Management Solutions
- Lending Solutions
- Stock Option Plans and Stock Purchase Plans
As a multigenerational team, we appreciate the roles which time and patience play in helping to create, build and preserve wealth. We bring the full resources of Morgan Stanley to our clients. For equity plan participants, we help simplify often complex equity compensation concepts. Service and Longevity: We have been fortunate to develop longstanding relationships, working with some corporate clients for over twenty-five years, and with families who span three generations. We believe this longevity is the result of our service and advice. The Financial Times recognized this dedication when it named Jonthan Posner to its 2015 list of America's Top 400 Financial Advisors, and Forbes named our group to the 2023 nd 2024 Best-In-State Wealth Management Teams Ranking.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded 2015).
Data compiled by Financial Times based on data as of Sept of the year prior to the issuance of the award.
2023 Forbes America's 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.
2024 Forbes America's Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22 – 3/31/23.
2025 Forbes America's Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23 – 3/31/24.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
10b5-1 Plans & Services For Executives
As an Executive Financial Services team, we focus on delivering customized solutions for executives when they are planning to sell or gift company stock, or exercise company stock options.
Our areas of focus include:
• Rule 144 and Section 16 transactions
• 10b5-1 Trading Plans
• Trade executions
• Lending against restricted and control stock
Our areas of focus include:
• Rule 144 and Section 16 transactions
• 10b5-1 Trading Plans
• Trade executions
• Lending against restricted and control stock
Executive Financial Services
View Pitchbook Here
SEC Changes To Rule 10b5-1
View Updated Rule Here
10b5-1 Plan Disclosure Practices
View Analysis Here
Best-In-Class Rule 10b5-1 & 144 Transaction Services
Read More Here
Demystifying 10b5-1 Plans
Read More HereModern Wealth Management Tools
We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We are happy to assist you in signing up for any of these services.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Click Here To Learn More
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online - all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
Click Here To Learn More
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Click Here To Learn More
E-Sign
To use eSign, all you need is a valid email address and phone number. The personal identification number (PIN) can be delivered via phone call or via text message. Here are the steps to complete the signing process.
Use eSign Today
E-Delivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn More About eDelivery
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn More About Total Wealth View
Goals Planning System (GPS)
The best method to get guidance and create a well-rounded wealth strategy is to work with Morgan Stanley and its cutting-edge asset management technology. Learn more about the benefits of utilizing our cutting-edge planning technology to assist you in achieving any financial objectives you may have.
Learn More About GPS
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView Portal
Aladdin - Intelligent Risk Management
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Aladdin - Portfolio Risk PlatformEquity Compensation & Concentrated Stock
You may be considering tax-wise methods of diversification as a business insider with concentrated stock. As a result of constrained trading windows, you might also need liquidity for real estate acquisitions or tax obligations before it's feasible to purchase stock.
We customize our all-inclusive wealth management method to help busy professionals navigate the intricate issues surrounding their stock ownership, taking into account current liquidity demands and tax optimization to build a long-term diversification strategy.
We customize our all-inclusive wealth management method to help busy professionals navigate the intricate issues surrounding their stock ownership, taking into account current liquidity demands and tax optimization to build a long-term diversification strategy.
Stock Options
Click Here to Learn More
Equity Compensation 101
When you own company equity, you become a shareholder in your company. Equity programs vary widely, so it's important to understand the details and how it fits into your financial plan.
Click Here to Learn More
Restricted Stock
Click Here to Learn More
Exchange Funds
Exchange Funds offer tax-deferred diversification without producing the taxable gains generally associated with diversification because the exchange occurs inside a tax-deferred vehicle that has been permitted by the IRS. By building a targeted portfolio for Exchange Funds, portfolio managers are able to ensure that each contributor of concentrated stock will finally receive a pro-rata allocation of the portfolio while keeping their original basis.
Click Here to Learn More
Employee Stock Purchase Plans (ESPP)
Click Here to Learn More
Portfolio Lines
To meet more urgent cash flow requirements for real estate purchases, tuition payments, or tax payments, you can borrow against the stock in a portfolio line for liquidity needs without triggering sales of concentrated stock. No credit check or underwriting is necessary and opening or maintaining the portfolio line is free. When necessary, you can borrow money against your portfolio, pay interest at a variable rate, and then repay the loan without incurring any fees.
Learn More About Portfolio LinesAwards & Events
The following are just some of the awards, recognitions and certifications we have received as a result of our constant dedication to assisting clients reach their financial goals.
We encourage you to join any of the Morgan Stanley's upcoming firm events listed below:
Forbes Best-In-State Wealth Management Teams 2023
Our team is proud to have been named one of Forbes Best-In-State Wealth Management Teams for 2023. It's an honor to be recognized among this group of outstanding professionals who consistently work to raise the standards in our industry.
Forbes America's 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.
Financial Times Top 400 Financial Advisors
The Financial Times has named Jonathan Posner to their annual list of America's Top 400 Financial Advisors in 2015.
Source: ft.com (Awarded 2015). Data compiled by Financial Times based on data as of Sept of the year prior to the issuance of the award.
Location
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 660-4734(973) 660-4734
Toll-Free:
(866) 229-0841(866) 229-0841
20 Linden Place
Floor 2
Red Bank, NJ 07701-1910
US
14850 North Scottsdale Road
Floor 6
Scottsdale, AZ 85254
US
Meet The Posner Group
Jonathan S Posner
Senior Vice President, Financial Advisor, Corporate Client Group Director
First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(480) 922-7837(480) 922-7837
Renée Morgan
Portfolio Associate
Phone:
(973) 660-4714(973) 660-4714
Robert King
Client Service Associate
Phone:
(973) 410-3018(973) 410-3018
About David W Posner
David has been with Morgan Stanley for over forty five years, and in the investment business for over fifty five years. As a member of Morgan Stanley’s Corporate Client Group, David’s emphasis is on corporate benefits programs, and wealth management for plan participants and company executives. David is primarily responsible for the design of our clients’ equity and fixed-income portfolios, including tax-free municipal bond portfolios. David is Certified Equity Professional Level 1 Certified and a member of the National Association of Stock Plan Professionals.
Professional Details:
Series 7, 31, 63, 65
With Morgan Stanley over forty five years
Over fifty five years in the Investment Business
Member of the National Association of Stock Plan Professionals
Professional Details:
Series 7, 31, 63, 65
With Morgan Stanley over forty five years
Over fifty five years in the Investment Business
Member of the National Association of Stock Plan Professionals
Securities Agent: WY, WV, WA, WI, VI, VT, UT, TX, TN, PR, NY, OK, OH, OR, NV, NJ, SD, PA, ND, NC, MN, ME, MD, MA, MO, VA, LA, KY, MS, KS, MT, IN, IL, ID, IA, HI, MI, DC, CA, AZ, DE, AR, NE, NH, AL, NM, FL, RI, GA, AK, CT, CO, SC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285039
NMLS#: 1285039
About Jonathan S Posner
Jon entered the investment business in 1995 and has spent his entire career with Morgan Stanley. He is a member of the National Association of Stock Plan Professionals and is Certified Equity Professional Level 1 Certified. Jon has a bachelor’s degree from Brandeis University, graduating magna cum laude, a law degree from Boston University School of Law and a Masters of Business Administration with honors from Boston University’s Graduate School of Management. As a member of Morgan Stanley’s Corporate Client Group, Jon focuses primarily on equity compensation, 10b5-1 plans, and corporate and executive benefit services. Jon also oversees the Financial Advisors who work with The Posner Group nationwide, who work with plan participants in their local communities. In March of 2015, Jon was named to The Financial Times’ 2015 list of America’s Top 400 Financial Advisors.
Professional Details:
With Morgan Stanley since 1995
2015 Financial Times Top 400 Advisors
Brandeis University B.A. - Magna Cum Laude
Boston University School of Law Degree
Boston University Graduate School of Management MBA - With Honors
Lifetime Member, Beta Gamma Sigma International Business Honor Society
Member of the National Association of Stock Plan Professionals (NASPP)
Series 7, 63, 65
Professional Details:
With Morgan Stanley since 1995
2015 Financial Times Top 400 Advisors
Brandeis University B.A. - Magna Cum Laude
Boston University School of Law Degree
Boston University Graduate School of Management MBA - With Honors
Lifetime Member, Beta Gamma Sigma International Business Honor Society
Member of the National Association of Stock Plan Professionals (NASPP)
Series 7, 63, 65
Securities Agent: OK, RI, SD, NY, MO, NV, LA, MT, MS, VA, UT, WI, SC, PA, GA, TX, FL, WY, WV, WA, VT, VI, IA, TN, OR, IL, KS, PR, OH, ID, ME, NJ, MI, ND, NC, NE, NH, MN, NM, MD, MA, KY, IN, DE, HI, DC, AZ, AK, AL, CA, AR, CT, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1278865
NMLS#: 1278865
About Barry J Gottlieb
I provide financial coaching and guidance through a goal-oriented process to help my clients fulfill their needs, wants, and aspirations.
As the ever-changing financial landscape becomes increasingly more complex, many people are not sure if they are making the best financial decisions. I am often asked questions such as:
“If I have extra cash, should I pay down my mortgage faster or contribute more to my 401(k)?”
“How much life insurance do I need?”
“What is the best way to help my children pay for college?”
My answer is always “It depends!”
As a Certified Financial Planner professional (CFP®), I recognize that every individual and family has unique financial circumstances. Rather than relying on simple rules of thumb, it is crucial to make decisions in the context of a client’s total financial situation. By employing a goal-oriented process, I am able to help my clients make informed decisions that align with their objectives and values.
My typical clients are busy juggling work, family, and other obligations. Many have little to no time available for day-to-day financial management, let alone longer term planning. My clients count on me for proactive advice and excellent service so they have more time to spend doing the things they enjoy most.
I have also earned the designation of Certified Divorce Financial Analyst (CDFA™). A two-time alum of the Rutgers Business School, I obtained my B.S. in Management and my MBA in Finance.
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.
As the ever-changing financial landscape becomes increasingly more complex, many people are not sure if they are making the best financial decisions. I am often asked questions such as:
“If I have extra cash, should I pay down my mortgage faster or contribute more to my 401(k)?”
“How much life insurance do I need?”
“What is the best way to help my children pay for college?”
My answer is always “It depends!”
As a Certified Financial Planner professional (CFP®), I recognize that every individual and family has unique financial circumstances. Rather than relying on simple rules of thumb, it is crucial to make decisions in the context of a client’s total financial situation. By employing a goal-oriented process, I am able to help my clients make informed decisions that align with their objectives and values.
My typical clients are busy juggling work, family, and other obligations. Many have little to no time available for day-to-day financial management, let alone longer term planning. My clients count on me for proactive advice and excellent service so they have more time to spend doing the things they enjoy most.
I have also earned the designation of Certified Divorce Financial Analyst (CDFA™). A two-time alum of the Rutgers Business School, I obtained my B.S. in Management and my MBA in Finance.
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.
Securities Agent: PA, CA, NJ, CT, MI, IL, MA, VA, CO, MN, FL, DE, WA, TX, NY, NV, MD, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261874
NMLS#: 1261874
About Stephen J Pessagno, CFP®
As a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, Stephen is committed to helping individuals and families build financial plans that not only address their immediate needs but also ensure long-term success. With specialized experience in managing concentrated stock positions, tax-efficient investing, education and retirement planning, he provides tailored solutions designed to help you achieve your unique financial goals. He understands that every client's situation is different, which is why he takes a holistic, comprehensive approach to wealth management. Whether you're navigating complex investment strategies, planning for your children's education, or preparing for retirement, he works with you to craft a plan that aligns with your aspirations while managing risk and optimizing your financial position.
A native of the Bay Area, Stephen currently resides in Scottsdale, AZ after earning his BSBA in Finance and a minor in Global Business from the University of Arizona, Eller College of Management.
Leveraging his national registration, Stephen works with clients all around the country, typically in a Zoom format. This enables him to offer tailored financial advice and strategies to individuals and families nationwide, ensuring that each client receives the support and guidance they need, regardless of location.
Together, he will work with you to create a strategy that not only meets your financial goals but also adapts as your life evolves.
A native of the Bay Area, Stephen currently resides in Scottsdale, AZ after earning his BSBA in Finance and a minor in Global Business from the University of Arizona, Eller College of Management.
Leveraging his national registration, Stephen works with clients all around the country, typically in a Zoom format. This enables him to offer tailored financial advice and strategies to individuals and families nationwide, ensuring that each client receives the support and guidance they need, regardless of location.
Together, he will work with you to create a strategy that not only meets your financial goals but also adapts as your life evolves.
Securities Agent: NE, MD, NJ, VA, MA, TN, NC, AR, KY, IA, FL, SC, WV, CA, AK, ME, ID, WA, TX, OK, MI, DC, AZ, IN, DE, AL, VI, ND, MO, CO, NH, MN, CT, WI, PR, PA, NY, KS, VT, UT, RI, NM, MT, MS, HI, GA, WY, SD, OR, OH, NV, LA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1669925
NMLS#: 1669925
About Renée Morgan
Renée joined Morgan Stanley in 1999 and began working with The Posner Group in 2012. Renée has extensive operational experience in the securities industry and has earned praise for the exceptional level of service she provides. Renée helps our wealth management clients with all aspects of their accounts, starting with the new account-opening process, and also supports our corporate plan participants. She takes great pride in her accuracy, attention to detail and impressive knowledge of day-to-day account operations.
Professional Details:
With The Posner Group since 2012
With Morgan Stanley since 1999
Associate in Business Management, Berkeley College, 1998
Professional Details:
With The Posner Group since 2012
With Morgan Stanley since 1999
Associate in Business Management, Berkeley College, 1998
About Robert King
Bob has been with Morgan Stanley almost continuously since 1977. As one of the original members of our then-emerging Global Stock Plan Services organization, Bob was responsible for a number of the systems, processes and people which contribute to our continued success in stock plan services. Bob also has extensive experience with Executive Financial Services, supporting insiders, executives, directors and other key employees of publicly traded companies who are holding restricted, control and concentrated securities.
Professional Details:
With Morgan Stanley almost continuously since 1977
Significant Stock Plan systems experience
Significant Insider clearance experience
Professional Details:
With Morgan Stanley almost continuously since 1977
Significant Stock Plan systems experience
Significant Insider clearance experience
Contact David W Posner
Contact Jonathan S Posner
Contact Barry J Gottlieb
Contact Stephen J Pessagno, CFP®
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 Posner 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.
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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
