George S. Prattos
Senior Vice President, Wealth Advisor, Portfolio Management Director
Phone:
(904) 665-0442(904) 665-0442
The Prattos Jones Beh Group at Morgan Stanley
Direct:
(904) 632-0200(904) 632-0200
Toll-Free:
(888) 639-0004(888) 639-0004
Our Mission Statement
We are ready to deliver state-of-the-art wealth planning strategies for your life and legacy.
Raising the Bar
CLIENT
You, the client, are the first priority in our decision making process.
DISCOVERY
To make certain we deliver on our client first commitment, we ask that you educate us. Through a rigorous discovery process, we consult with and actively listen to you. This allows us to form a deep understanding of your goals.
BOUTIQUE PRACTICE
We have found we can elevate our level of service by limiting the number of clients per advisor. This frees each advisor to further customize the advice of our boutique practice, and leverage the vast resources of a global financial leader.
CONTINUITY
Mr. Prattos and Mr. Jones formed the Group nearly 20 years ago after working together previously in the trust company of a major U.S. Bank. As the group adds select professionals, and delivers a truly differentiated client experience, we are perfectly positioned to deliver on our goal of raising the bar.
You, the client, are the first priority in our decision making process.
DISCOVERY
To make certain we deliver on our client first commitment, we ask that you educate us. Through a rigorous discovery process, we consult with and actively listen to you. This allows us to form a deep understanding of your goals.
BOUTIQUE PRACTICE
We have found we can elevate our level of service by limiting the number of clients per advisor. This frees each advisor to further customize the advice of our boutique practice, and leverage the vast resources of a global financial leader.
CONTINUITY
Mr. Prattos and Mr. Jones formed the Group nearly 20 years ago after working together previously in the trust company of a major U.S. Bank. As the group adds select professionals, and delivers a truly differentiated client experience, we are perfectly positioned to deliver on our goal of raising the bar.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Professional Portfolio ManagementFootnote4
- Retirement PlanningFootnote5
- Executive Financial ServicesFootnote6
- Philanthropic Services
- Endowments and FoundationsFootnote7
- Business Succession PlanningFootnote8
- Corporate Retirement PlansFootnote9
- Cash Management and Lending ProductsFootnote10
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VIEW TAX TABLESWe provide the information, advice and support needed to help you define your philanthropic goals and create an effective strategy to reach them.
With the right advice, your good intentions can become your greatest legacy.
Your favorite causes can be family causes.
Your wealth can become a tool to change lives.
Your charitable mission can be the catalyst for positive social impact in your community and beyond.
Morgan Stanley and The Prattos Jones Group are committed to giving back in the communities where we live and work through our participation in local community-based organizations.
Here are some examples of our efforts in the local area:
Here are some examples of our efforts in the local area:
Russell W. Jones
Russ has actively served on both the local and statewide boards of CHS (Children’s Home Society) for many years. The society offers services to at-risk children and families including foster care and adoption, Community Partnership Schools, and family counseling.
George S. Prattos
George has served in various roles for The Scouts of America since 2012. The Scouts provide the nation’s foremost youth program of character development and values-based leadership training, which helps young people be “Prepared. For Life.® ”
Andrew Beh
Andrew belongs to Meninak which is a civic organization focused on underserved youth in the Jacksonville area. Andy also volunteers at “Take Stock in Children” which provides one on one mentoring support for low-income students.
Dreams Come True
They are dedicated to using the power of a dream to bring hope and joy to children battling life threatening illnesses. Our Group has supported them for many years and will continue to do so.
Tiffany Cain
Tiffany’s heart is very close to Juvenile Diabetes Research Foundation (JDRF) which is the leading global organization funding type 1 diabetes (T1D) research. The organization’s strength lies in its exclusive focus and singular influence on the worldwide effort to end T1D.
Location
50 N. Laura St
Ste 2000
Jacksonville, FL 32202
US
Direct:
(904) 632-0200(904) 632-0200
Toll-Free:
(888) 639-0004(888) 639-0004
Fax:
(904) 830-4254(904) 830-4254
Meet The Prattos Jones Beh Group
Russell Jones
Senior Vice President, Wealth Advisor, Family Wealth Director
Phone:
(904) 632-0242(904) 632-0242
Associate Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(904) 632-0288(904) 632-0288
About George S. Prattos
With over two decades of global investment management experience, George Prattos, Senior Vice President, Wealth Advisor and Portfolio Management Director, delivers custom financial management solutions for high net worth and corporate clients. He consults with family offices, accountants, attorneys, and family members to design a custom wealth management plan for each client. Portfolios are managed in a dynamic process to meet the clients’ changing needs within the current and expected economic environment. He uses the full strength of Morgan Stanley’s industry leading research and investment platforms to achieve client objectives.
George has managed assets for corporate, government, foundation, retirement plan and high net worth clients in the U.S. and Latin American markets. In addition, he has managed mutual funds and collective investment funds for bank trust companies. His tenure in this industry has allowed him to participate in many economic cycles, providing him with the experience to handle current and future economic conditions.
Throughout his career, George has supported community and non-profit groups to achieve their philanthropic and advocacy goals. Currently, he serves on the Advisory Board and Trust Investment Committee for the Scouts of America North Florida Council. In addition to spending time with family and friends, George enjoys reading, cooking and the traditional games of sporting clay and skeet.
George has managed assets for corporate, government, foundation, retirement plan and high net worth clients in the U.S. and Latin American markets. In addition, he has managed mutual funds and collective investment funds for bank trust companies. His tenure in this industry has allowed him to participate in many economic cycles, providing him with the experience to handle current and future economic conditions.
Throughout his career, George has supported community and non-profit groups to achieve their philanthropic and advocacy goals. Currently, he serves on the Advisory Board and Trust Investment Committee for the Scouts of America North Florida Council. In addition to spending time with family and friends, George enjoys reading, cooking and the traditional games of sporting clay and skeet.
Securities Agent: NC, OK, UT, LA, GA, AL, TN, SC, NH, DE, MI, IL, TX, MA, IN, VA, NJ, MN, CA, OH, FL, PA, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274452
NMLS#: 1274452
About Russell Jones
Russ Jones has spent over twenty years gathering the skills and experience needed to help successful families address their lives and legacies. As the Family Wealth Director of the Prattos Jones Group at Morgan Stanley, he has received advanced training and resources in: Family Governance, Succession
Planning, Lifestyle Advisory, Philanthropy, and Health Care Advisory. Family wealth services include, and extend well beyond, investment management services; clients also gain access to other accomplished professionals, both within Morgan Stanley and through relationships with carefully vetted third parties in key specialty professions.
Prior to forming the Prattos Jones Group with Mr. Prattos some 20 years ago, his focus was high net worth families, endowments, pensions, and other retirement plans at two of the U.S.’s major trust companies. While institutional clients such as pension plans, insurance companies and endowments remain
a substantial part of the Group’s business, Russ’ current emphasis is in the family wealth area.
Giving back to the community is a primary goal for all Group members. For Russ, the focus is at-risk children. He has served on the Board of the Children’s Home Society, Northeast Florida for over 10 years and routinely volunteers at related fund-raising events benefiting at-risk children. In 2019, he was asked to
join the Florida State Board of Children's Home Society. The organization is one of the largest not-for-profit organizations in the Southeastern USA.
Away from the office, you will likely find Russ playing tennis with wife Debbie and friends. Golf and flying are next after tennis, but not moving up the list. Russ and Debbie’s children are grown, so Russ and Debbie visit them around the country as time allows. Home is the Coastal Oaks community in Ponte Vedra.
Planning, Lifestyle Advisory, Philanthropy, and Health Care Advisory. Family wealth services include, and extend well beyond, investment management services; clients also gain access to other accomplished professionals, both within Morgan Stanley and through relationships with carefully vetted third parties in key specialty professions.
Prior to forming the Prattos Jones Group with Mr. Prattos some 20 years ago, his focus was high net worth families, endowments, pensions, and other retirement plans at two of the U.S.’s major trust companies. While institutional clients such as pension plans, insurance companies and endowments remain
a substantial part of the Group’s business, Russ’ current emphasis is in the family wealth area.
Giving back to the community is a primary goal for all Group members. For Russ, the focus is at-risk children. He has served on the Board of the Children’s Home Society, Northeast Florida for over 10 years and routinely volunteers at related fund-raising events benefiting at-risk children. In 2019, he was asked to
join the Florida State Board of Children's Home Society. The organization is one of the largest not-for-profit organizations in the Southeastern USA.
Away from the office, you will likely find Russ playing tennis with wife Debbie and friends. Golf and flying are next after tennis, but not moving up the list. Russ and Debbie’s children are grown, so Russ and Debbie visit them around the country as time allows. Home is the Coastal Oaks community in Ponte Vedra.
Securities Agent: LA, IL, NH, MA, GA, TX, NY, FL, AL, TN, PA, VA, MN, NJ, IN, CA, UT, MI, DE, SC, OH, NC, OK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279536
NMLS#: 1279536
About Andrew Beh
Andrew Beh joined the team in 2016 as the newest member of the Prattos Jones Group at Morgan Stanley and brings to the group over a decade of experience in corporate finance primarily in the transportation industry. Using his well-developed analytical and planning skills, Andrew now focuses his practice on
providing financial solutions to high-net-worth clients as a Portfolio Manager on the team. In this role Andrew is responsible for capital markets research and analysis, as well as model portfolio construction and implementation.
A native of Sydney, Australia, Andrew holds a Bachelor of Science degree from the University of Sydney as well as a Master of Business Administration (MBA) with a concentration in finance from the University of Georgia. In 2017, Andrew achieved the Chartered Financial Analyst® (CFA®) designation, which is a globally recognized credential. The CFA designation is designed to demonstrate a strong foundation in advanced investment analysis and portfolio management, accompanied with a strict emphasis in ethical practice.
Andrew is active in the Meninak Club, a civic organization dedicated to serving underprivileged youth in the Jacksonville community. He resides in the historic Riverside neighborhood of Jacksonville with his wife, Lisa, their children Mackenzie and Marcus, and their two cats.
providing financial solutions to high-net-worth clients as a Portfolio Manager on the team. In this role Andrew is responsible for capital markets research and analysis, as well as model portfolio construction and implementation.
A native of Sydney, Australia, Andrew holds a Bachelor of Science degree from the University of Sydney as well as a Master of Business Administration (MBA) with a concentration in finance from the University of Georgia. In 2017, Andrew achieved the Chartered Financial Analyst® (CFA®) designation, which is a globally recognized credential. The CFA designation is designed to demonstrate a strong foundation in advanced investment analysis and portfolio management, accompanied with a strict emphasis in ethical practice.
Andrew is active in the Meninak Club, a civic organization dedicated to serving underprivileged youth in the Jacksonville community. He resides in the historic Riverside neighborhood of Jacksonville with his wife, Lisa, their children Mackenzie and Marcus, and their two cats.
Securities Agent: PA, NC, UT, CA, VA, GA, FL, IL, DE, AL, NJ, MI, MA, KY, OH, IN, TX, NY, NH, LA, TN, OK, SC, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1451633
NMLS#: 1451633
About Tiffany Cain
Tiffany Cain joined Morgan Stanley in December 2008. She joined the Prattos Jones Group as a Senior Client Service Associate in September 2011. In addition to her deep knowledge of the wealth management industry, Tiffany uses her strong interpersonal and communication skills to develop and enhance the client experience.
Prior to joining the firm, Tiffany worked for thirteen years at two of the U.S.'s major securities firms. At each firm, she served in a variety of capacities, gaining extensive experience in operations, account management, and client services.
A native of Jacksonville, Tiffany studied at the Concord Career Institute and now lives in Macclenny with her husband, Wayne. Together, Tiffany and Wayne have four adult sons and a daughter in love. In addition to spending time with friends and family, Tiffany's favorite things include traveling with her family, board games and the beach.
Contact me:
904-632-0212 tel
888-639-0004 toll free
tiffany.cain@morganstanley.com
Prior to joining the firm, Tiffany worked for thirteen years at two of the U.S.'s major securities firms. At each firm, she served in a variety of capacities, gaining extensive experience in operations, account management, and client services.
A native of Jacksonville, Tiffany studied at the Concord Career Institute and now lives in Macclenny with her husband, Wayne. Together, Tiffany and Wayne have four adult sons and a daughter in love. In addition to spending time with friends and family, Tiffany's favorite things include traveling with her family, board games and the beach.
Contact me:
904-632-0212 tel
888-639-0004 toll free
tiffany.cain@morganstanley.com
About Kathy Brinkman
Kathy Brinkman joined Morgan Stanley in 2022 and joins the Prattos Jones Group as a Senior Registered Client Service Associate. Kathy is a Florida native and has 12 years of industry experience. She started her career in the high net worth client service of a premier national service provider in Jacksonville, FL. She then transitioned to their Alpharetta, Georgia branch office to pursue a role in financial planning. In 2017, she joined a corporate division of another prominent financial firm where she worked with both high net worth participants and corporate clients that held their equity compensation plans at the firm. After living in Georgia for 7 years, she moved back to Florida in 2020 to be closer to family.
Kathy received a Bachelor of Science in Business Administration from The University of Florida, where she majored in Economics. She has also obtained her Series 7, 63, and 65 licenses. She married her husband, Nick, in 2019. They live in Fernandina Beach with their two dogs, Scout and Millie, and their cat, Murray. In her free time Kathy likes to spend time outdoors with her family, cooking, exercising, reading and the arts.
Kathy received a Bachelor of Science in Business Administration from The University of Florida, where she majored in Economics. She has also obtained her Series 7, 63, and 65 licenses. She married her husband, Nick, in 2019. They live in Fernandina Beach with their two dogs, Scout and Millie, and their cat, Murray. In her free time Kathy likes to spend time outdoors with her family, cooking, exercising, reading and the arts.
Contact George S. Prattos
Contact Russell Jones
Contact Andrew Beh
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
Robert Mickler
Private Banker
Rachael Crapsi, CFP®
Financial Planning Director, Vice President
About Robert Mickler
Robert Mickler is a Private Banker serving Morgan Stanley Wealth Management offices in Florida and Georgia.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, 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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
NMLS#: 863115
About Rachael Crapsi
Rachael Crapsi, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Florida. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2021. Prior to her current position, she has worked as a Financial Advisor at J.P. Morgan and Fifth Third Private Bank serving affluent families by developing authentic, lasting relationships while helping to build, preserve and transfer wealth.
Rachael graduated from The Ohio State University earning degrees in both Finance and International Business with a focus in Mandarin and holds her Certified Financial Planner® designation. Rachael is from Buffalo, New York, but now resides in Jacksonville, Florida. Outside of work Rachael enjoys playing soccer, traveling and cooking.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2021. Prior to her current position, she has worked as a Financial Advisor at J.P. Morgan and Fifth Third Private Bank serving affluent families by developing authentic, lasting relationships while helping to build, preserve and transfer wealth.
Rachael graduated from The Ohio State University earning degrees in both Finance and International Business with a focus in Mandarin and holds her Certified Financial Planner® designation. Rachael is from Buffalo, New York, but now resides in Jacksonville, Florida. Outside of work Rachael enjoys playing soccer, traveling and cooking.
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
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
Ready to start a conversation? Contact The Prattos Jones Beh Group today.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley’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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
6Morgan 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.
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 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.
9When 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.
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
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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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley’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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
6Morgan 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.
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 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.
9When 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.
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
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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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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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.
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CRC 6491812 (04/2024)
