Lance M Prichard, CFP®
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Investment Management Consultant, Portfolio Management Director
Phone:
(207) 771-0838(207) 771-0838
The Prichard Weston Group at Morgan Stanley
Direct:
(207) 771-0858(207) 771-0858
Our Mission Statement
Helping build a secure and meaningful future for women and the people they care about
Our Clients
At the Prichard Weston Group, our mission is helping women build secure and meaningful futures. We are truly passionate about helping women, especially women who are on their own due to loss of spouse or divorce. We find it incredibly rewarding to help women gain confidence about their financial well-being. This confidence and empowerment goes a long way at helping make their new set of circumstances a little less scary and eventually leads to exploring future possibilities and redefining their futures. While we have carved out a significant portion of our practice to helping women, others such as men, couples and families work with us as well.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Asset Management
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Trust Services*
- Divorce Financial AnalysisFootnote5
- Philanthropic ManagementFootnote6
- Planning for Education FundingFootnote7
- Professional Portfolio ManagementFootnote8
- Wealth PlanningFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
At the Prichard Weston Group, we can help you navigate a path forward
How the Prichard Weston Group can help you
At The Prichard Weston Group, our comprehensive wealth management process begins with a deep discovery meeting. From there we conduct an analysis and identify the areas in which we can add the most value. Once it is mutually determined that we are a good fit to work together, we begin implementing a tailored investment strategy to help our clients protect and preserve their wealth. Next, we embark on advanced planning where we help our clients define and prioritize their life and legacy goals, conduct a gap analysis, and carefully design a plan to help them achieve their goals. It is through this advanced planning process, collaboration with our clients’ team of advisors, and ongoing, tailored communication, that we help our clients address their five most common areas of concern:
- Wealth Preservation
- Mitigating Taxes
- Taking care of heirs
- Ensuring your assets are not unjustly taken
- Charitable Planning
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Learn More About LifeView
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
MS Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About MS Reserved Living and Giving
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn More About Digital VaultLocation
100 Middle St
3rd Fl
Portland, ME 04101
US
Direct:
(207) 771-0858(207) 771-0858
Meet The Prichard Weston Group
Tammy L.M. Weston, CFP®
Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(207) 771-0858(207) 771-0858
Heather Levasseur, RICP®
Senior Registered Client Service Associate
Phone:
(207) 771-0822(207) 771-0822
About Lance M Prichard
About Lance M. Prichard
Lance grew up the youngest of four in Cincinnati, Ohio. His father exemplified many men of his generation, men who worked hard and maintained high ethical standards. Both parents taught Lance these same expectations, from Boy Scout to Eagle Scout, Lance learned and embraced the importance of good merit.
He was the first person in his immediate and extended families to attend college. Working nights to pay his own way, he earned his BA degree in Economics at the University of Cincinnati. Soon after graduation, life brought him to Maine where he began his career in wealth management and started a family. In 2013, Lance expanded his skills and became a CERTIFIED FINANCIAL PLANNER™ practitioner.
From Kidder, Peabody & Co. to Smith Barney to Morgan Stanley, Lance has over three decades of experience and has counseled clients through several market cycles. Lance has worked with hundreds of families and individuals, widows and widowers over the years, helping them to achieve their financial goals.
Lance now resides in Kennebunk with his wife Crystal. When not working, he enjoys playing tennis, bowling, hiking, rock-climbing and traveling stateside and beyond.
Education & Certifications:
Portfolio Manager Designation, 2017
Family Wealth Advisor Designation, 2016
CFP® Certification, 2013
Senior Investment Management Consultant Designation
Financial Planning Specialist Designation, 2004
Series 7, Series 63, Series 65, and Life & Health Insurance License
Bachelor of Arts in Economics, University of Cincinnati, 1982
Associations:
Children's Museum of Maine, Former President of Board of Directors
United States Tennis Association, Member
Portland Museum of Art, Member
Farnsworth Art Museum, Member
Maine Audubon, Member
Boy Scouts of America, Eagle Scout 1973
Experience:
Morgan Stanley, 1994- Present
Kidder Peabody, 1984-1994
Lance grew up the youngest of four in Cincinnati, Ohio. His father exemplified many men of his generation, men who worked hard and maintained high ethical standards. Both parents taught Lance these same expectations, from Boy Scout to Eagle Scout, Lance learned and embraced the importance of good merit.
He was the first person in his immediate and extended families to attend college. Working nights to pay his own way, he earned his BA degree in Economics at the University of Cincinnati. Soon after graduation, life brought him to Maine where he began his career in wealth management and started a family. In 2013, Lance expanded his skills and became a CERTIFIED FINANCIAL PLANNER™ practitioner.
From Kidder, Peabody & Co. to Smith Barney to Morgan Stanley, Lance has over three decades of experience and has counseled clients through several market cycles. Lance has worked with hundreds of families and individuals, widows and widowers over the years, helping them to achieve their financial goals.
Lance now resides in Kennebunk with his wife Crystal. When not working, he enjoys playing tennis, bowling, hiking, rock-climbing and traveling stateside and beyond.
Education & Certifications:
Portfolio Manager Designation, 2017
Family Wealth Advisor Designation, 2016
CFP® Certification, 2013
Senior Investment Management Consultant Designation
Financial Planning Specialist Designation, 2004
Series 7, Series 63, Series 65, and Life & Health Insurance License
Bachelor of Arts in Economics, University of Cincinnati, 1982
Associations:
Children's Museum of Maine, Former President of Board of Directors
United States Tennis Association, Member
Portland Museum of Art, Member
Farnsworth Art Museum, Member
Maine Audubon, Member
Boy Scouts of America, Eagle Scout 1973
Experience:
Morgan Stanley, 1994- Present
Kidder Peabody, 1984-1994
Securities Agent: PA, DE, CO, NY, NH, VA, VT, MI, AZ, WY, NM, FL, MN, ME, MA, WA, MO, CA, NC, SC, CT, MD, TX; General Securities Representative; Investment Advisor Representative
About Tammy L.M. Weston
About Tammy L.M. Weston
Tammy grew up in Frenchville, Maine; a very small town in Northern Maine (bordering Canada) where French is often the first language that is taught and where a strong work ethic is instilled at a young age. Tammy picked potatoes during the annual harvest as soon as she was old enough and also worked in the family business. She was one of three kids born to entrepreneurial parents; 2 of the hardest working people she has ever known! She proudly gives credit to her parents for being fantastic role models for hard work, commitment, being kind to people, and going above and beyond to help people.
Tammy has over 20 years wealth management experience. She has been a CERTIFIED FINANCIAL PLANNER™ professional since 2006 and earned her graduate degree in personal financial planning in 2016. As a woman who has personally experienced divorce and loss of a loved one, she is empathetic, a great listener and an excellent problem solver; someone you can trust.
Tammy and her family reside in Scarborough. When she is not working, she enjoys time with family & friends, working out, taking Latin dance lessons, hiking, gardening and skiing.
Education & Certifications:
Senior Portfolio Manager Designation
Financial Planning Specialist Designation, 2017
CFP® Certification, 2006
Series 7, Series 66, and Life & Health Insurance License
Master of Science in Personal Financial Planning, The College for Financial Planning, 2016
Bachelor of Science in Marketing Management, Thomas College, 1994
Associations:
Women United, Member
KidsFirst Center, Board Member
Maine Estate Planning Council, Member
Portland Museum of Art, Member
Experience:
Morgan Stanley, 2016- Present
UBS Financial Services, 2010 - 2016
Key Bank, Private Banking 1994-2010
Tammy grew up in Frenchville, Maine; a very small town in Northern Maine (bordering Canada) where French is often the first language that is taught and where a strong work ethic is instilled at a young age. Tammy picked potatoes during the annual harvest as soon as she was old enough and also worked in the family business. She was one of three kids born to entrepreneurial parents; 2 of the hardest working people she has ever known! She proudly gives credit to her parents for being fantastic role models for hard work, commitment, being kind to people, and going above and beyond to help people.
Tammy has over 20 years wealth management experience. She has been a CERTIFIED FINANCIAL PLANNER™ professional since 2006 and earned her graduate degree in personal financial planning in 2016. As a woman who has personally experienced divorce and loss of a loved one, she is empathetic, a great listener and an excellent problem solver; someone you can trust.
Tammy and her family reside in Scarborough. When she is not working, she enjoys time with family & friends, working out, taking Latin dance lessons, hiking, gardening and skiing.
Education & Certifications:
Senior Portfolio Manager Designation
Financial Planning Specialist Designation, 2017
CFP® Certification, 2006
Series 7, Series 66, and Life & Health Insurance License
Master of Science in Personal Financial Planning, The College for Financial Planning, 2016
Bachelor of Science in Marketing Management, Thomas College, 1994
Associations:
Women United, Member
KidsFirst Center, Board Member
Maine Estate Planning Council, Member
Portland Museum of Art, Member
Experience:
Morgan Stanley, 2016- Present
UBS Financial Services, 2010 - 2016
Key Bank, Private Banking 1994-2010
Securities Agent: MN, CT, VT, NM, CA, AZ, DE, TX, PA, MA, CO, WY, MD, VA, MI, WA, ME, FL, SC, NY, NC, NH, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1875365
NMLS#: 1875365
About Heather Levasseur
Heather is responsible for the management and execution of our client service and relationship building strategies. She plays an integral role in the day to day operations of the team and dedicates herself to serving our clients’ needs with the highest level of customer care. Her problem-solving skills, attention to detail and eagerness to help are invaluable to our team.
Heather has nearly 3 decades experience having served in various positions in the financial services field. Prior to starting her career at Smith Barney in New Jersey in 1994, she also proudly served our country in the U.S. Navy.
Originally from Missouri, Heather met her husband, Michael, in the U.S. Navy. She has two children, Brett and Thomas, and she and her husband live in Saco, Maine. Her hobbies include quilting, going for long walks and reading, a passion she inherited from her father.
Heather has nearly 3 decades experience having served in various positions in the financial services field. Prior to starting her career at Smith Barney in New Jersey in 1994, she also proudly served our country in the U.S. Navy.
Originally from Missouri, Heather met her husband, Michael, in the U.S. Navy. She has two children, Brett and Thomas, and she and her husband live in Saco, Maine. Her hobbies include quilting, going for long walks and reading, a passion she inherited from her father.
Contact Lance M Prichard
Contact Tammy L.M. Weston
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
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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Ready to start a conversation? Contact The Prichard Weston Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
9Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
9Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
