Phone:
(401) 276-5932(401) 276-5932
The Providence Group at Morgan Stanley
Our Mission Statement
Your financial success is our goal for you, your family and your legacy.
Our Story and Services
When it comes to our clients, we make it a priority to be their advocate, addressing their specific challenges in a caring, thoughtful manner. Our goal is to go beyond the efficient management of their wealth by generating customized solutions to age-old dilemmas while employing a client service model to keep them informed.
Our approach to wealth management is premised on understanding your life because your strategy should not only consider your financial pretensions but also incorporate the personal ambitions that remain a priority to you. We are proud of the long-term relationships we’ve fostered and continue to be fulfilled when we are able to help one generation pass on their legacy to the next.
Our ultimate mission is to empower you to feel confident navigating the market. Our clients are truly like family to us, and we look forward to getting to know you and sharing details on how we can work together to help enhance the quality of your financial life.
Our approach to wealth management is premised on understanding your life because your strategy should not only consider your financial pretensions but also incorporate the personal ambitions that remain a priority to you. We are proud of the long-term relationships we’ve fostered and continue to be fulfilled when we are able to help one generation pass on their legacy to the next.
Our ultimate mission is to empower you to feel confident navigating the market. Our clients are truly like family to us, and we look forward to getting to know you and sharing details on how we can work together to help enhance the quality of your financial life.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Commitment to Your Success
The Providence Group at Morgan Stanley takes a client-focused approach in managing your assets. We are dedicated to crafting personalized strategies that align with your unique financial goals and aspirations. From the initial consultation to ongoing portfolio review, we prioritize transparency, communication and trust. By leveraging Morgan Stanley's cutting-edge technology and in-depth market analysis, we can help ensure that your investments are optimized for growth and resilience. We briefly describe our process below and how we can help you navigate the complexities of the financial world with confidence and peace of mind.
Initial Consultation
During the initial stage of the process, our team takes the time to understand your unique goals and circumstances. This meeting is an opportunity for us to gather essential information about your current financial situation, discuss your aspirations, and identify any specific concerns you may have.
Plan Creation
During this stage, we collaborate closely with you to craft a personalized financial strategy. This involves analyzing your current financial situation, understanding your long-term goal, and identifying potential opportunities and risks.
Strategic Implementation
We put your personalized financial plan into action. This involves selecting and executing the most suitable investment strategies and financial products to meet your specific goals. We continuously monitor the performance of your investments and make adjustments as needed.
Portfolio Review
We conduct a comprehensive analysis of your investment portfolio to help keep your portfolio aligned with your goals. This involves evaluating asset performance, assessing risk levels, and making necessary adjustments to optimize returns.
Road to a Fulfilling Future
Planning for your financial future is crucial because it provides a roadmap to achieving long-term financial stability and security. By setting clear financial goals and creating a plan to reach them, you can become prepared for life's uncertainties. Moreover, effective financial planning allows you to build a legacy for the next generation, ensuring that your children and grandchildren have the resources and opportunities to thrive. This page is dedicated to help you navigate the complexities of preparing for retirement and transferring wealth to your heirs.
Six-Step Retirement Checkup
Given the ever-changing economic landscape, it's crucial to regularly review your retirement plan. These six steps can help you stay on course to achieve your financial goals.
Retirement Checkup
5 Mistakes to Avoid in Retirement
Planning your finances during retirement can be as important as the journey of saving for it. Here are some essential factors to consider.
Mistakes to Avoid
Tax-Smart Strategies for Your Retirement
Effective tax planning can significantly boost your savings and help you retain more of your wealth. Explore these tax-efficient retirement planning options.
Tax Strategies
How to Avoid Outliving Your Retirement
Are you prepared for a retirement that might extend beyond your expectations? Discover strategies to help your finances endure for the long haul.
Managing Longevity Risk
Estate Planning Essentials
Developing an estate plan is crucial for safeguarding your assets and ensuring a smoother transition for your heirs, minimizing potential challenges they might face.
7 Essential Steps
Choosing the Right Life Insurance for Your Needs
Discover how life insurance can safeguard your loved ones and help secure their financial future.
Understanding Life InsuranceWealth Management Resources
Welcome to our investor resources hub! This section is designed to inform both novice and seasoned investors with the tools and information they need to make informed decisions. Here, you will find market analysis, U.S Policy updates, investment guides, educational articles and digital tools to help you simplify matters related to your finances.
U.S. Policy Pulse
From the Global Investment Office, The US Policy Pulse provides monthly analyses and updates on the political events affecting the economy and their potential impact on financial markets. Discover detailed insights in the latest report.
Read the Latest Report
On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorization.
Log In or Register
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you’ll benefit from more informed wealth planning, secure data access and convenient connectivity.
Learn More about TWV
Reserved Living and Giving
Reserved Living & Giving is a complimentary loyalty program available to Morgan Stanley Clients. As a reserved member, you will have access to exclusive partner offers and discounts, as well as thought leadership content and a variety of lifestyle and personal finance topics.
Enroll in RL&G
Morgan Stanley Ideas
The Morgan Stanley Ideas podcast delivers insightful narratives that illuminates the intricate workings of the business, finance, and technology landscapes. The Podcast provides listeners with a deeper understanding of diverse industries, making it an engaging and informative experience.
Latest InsightsUpcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: 100 Days of Trump 2.0
DATE: April 24, 2025 at 4:15 p.m. ETWhat do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.
4398292 04/2025
Online
Location
1 Financial Plaza 19th
Fl
Providence, RI 02903
US
Direct:
(401) 276-5914(401) 276-5914
Meet The Providence Group
Phone:
(401) 276-5924(401) 276-5924
Phone:
(401) 863-8498(401) 863-8498
Caryn Hodges Coulombe
Senior Registered Client Service Associate
Phone:
(401) 276-5913(401) 276-5913
David Maccarone
Senior Client Service Associate
Phone:
(401) 276-5904(401) 276-5904
About Matthew D'Ambra
Matthew D'Ambra is the Senior Vice President and Financial Advisor of the Providence Group at Morgan Stanley. He received his Bachelor's Degree in Economics from Syracuse University. With 27 years in the business, Matthew has extensive experience implementing investment strategies and building his client relationships. His vast industry knowledge and focus on creating specific plans for each individual client showcases his value on hard work.
Matthew grew up in North Providence, RI. He is currently residing in Cranston, RI with his wife of 25 years, Christina D'Ambra, and their four children, Madison, Caitlyn, Michael, and Chase.
Being a local, Matthew is an active member of his community coaching basketball at a well-recognized high school. He spends his free time playing golf and traveling with his family and friends.
Matthew grew up in North Providence, RI. He is currently residing in Cranston, RI with his wife of 25 years, Christina D'Ambra, and their four children, Madison, Caitlyn, Michael, and Chase.
Being a local, Matthew is an active member of his community coaching basketball at a well-recognized high school. He spends his free time playing golf and traveling with his family and friends.
Securities Agent: TX, KY, CA, PA, MO, WI, SC, NJ, NH, NC, MA, CO, IL, AZ, RI, OR, NY, NV, CT, FL, VT, OH, ME, IN, IA, GA, WV, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2551772
NMLS#: 2551772
About Me
Kimberly M. Caggiano is a Wealth Advisor and Vice President at Morgan Stanley. With over 25 years of experience, Kim brings a unique perspective to her clients by utilizing a lifetime of acquired skills to help them save for the future and protect what’s most important to them. Her disciplined approach to portfolio monitoring and communication enables her clients to not just stay up to date but remain involved in their success.
A graduate of Boston University, Kim earned her bachelor’s degree in Business Administration from BU’s School of Management. Prior to joining Morgan Stanley, Kim was a Senior Financial Advisor at Merrill Lynch.
A strong believer in giving back, Kim makes every effort to remain involved in her community. Recently, she served as the RI Safe Sport Director for USA Hockey and the President of the OSSG Gymnastics Parent’s Committee. Kim resides in North Smithfield with her family. Outside of work, she enjoys spending time with her family, skiing, and the culinary arts.
A graduate of Boston University, Kim earned her bachelor’s degree in Business Administration from BU’s School of Management. Prior to joining Morgan Stanley, Kim was a Senior Financial Advisor at Merrill Lynch.
A strong believer in giving back, Kim makes every effort to remain involved in her community. Recently, she served as the RI Safe Sport Director for USA Hockey and the President of the OSSG Gymnastics Parent’s Committee. Kim resides in North Smithfield with her family. Outside of work, she enjoys spending time with her family, skiing, and the culinary arts.
Securities Agent: MO, RI, NY, OH, OR, IN, IL, NH, AZ, SC, PA, CO, CA, WV, WI, KY, CT, VA, TX, NJ, FL, ME, MA, VT, NV, NC, IA, GA; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1049621
NMLS#: 1049621
About David Redmond
David Redmond is a Vice President and Financial Advisor at Morgan Stanley, where he leverages his experience to guide clients through the complexities of financial planning. With a robust background in implementing investment strategies, David helps individuals and families prepare for significant life events and works to understand their financial goals, providing guidance and support to help them make informed decisions.
David holds a degree in Economics with a minor in Accounting from Rutgers University. After a successful 20-year career in the manufacturing sector, he transitioned to the financial industry, beginning his second career at Paychex as a Retirement Specialist. In this role, he collaborated with over 80 small businesses to establish and enhance their retirement plans. Leveraging this experience, he advanced to the position of Financial Advisor, earning his Series 7 and 65 licenses with Wells Fargo.
Since joining Morgan Stanley in 2015, David has dedicated himself to helping individuals, families, and business owners achieve their financial objectives. With over 12 years of experience as a Financial Advisor, he finds the role both uniquely challenging and immensely rewarding.
David and his wife Megan Live in Barrington, RI where they raised their 3 children, Haidyn, Lilly & David. They are active in the community and have coached multiple sports along the way. In their leisure time Dave & Meg, enjoy boating, golf, pickle ball and heading to the beach.
David holds a degree in Economics with a minor in Accounting from Rutgers University. After a successful 20-year career in the manufacturing sector, he transitioned to the financial industry, beginning his second career at Paychex as a Retirement Specialist. In this role, he collaborated with over 80 small businesses to establish and enhance their retirement plans. Leveraging this experience, he advanced to the position of Financial Advisor, earning his Series 7 and 65 licenses with Wells Fargo.
Since joining Morgan Stanley in 2015, David has dedicated himself to helping individuals, families, and business owners achieve their financial objectives. With over 12 years of experience as a Financial Advisor, he finds the role both uniquely challenging and immensely rewarding.
David and his wife Megan Live in Barrington, RI where they raised their 3 children, Haidyn, Lilly & David. They are active in the community and have coached multiple sports along the way. In their leisure time Dave & Meg, enjoy boating, golf, pickle ball and heading to the beach.
Securities Agent: IL, OH, ME, WV, PA, RI, GA, TX, NV, MA, KY, CA, SC, NJ, CO, AZ, NY, NH, MO, IN, CT, WI, FL, VA, NC, OR, IA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1528191
NMLS#: 1528191
About Caryn Hodges Coulombe
Caryn Coulombe is a Senior Registered Client Service Associate that recently joined Morgan Stanley. She previously worked at Merrill Lynch for over 22 years. She worked as an administrative assistant with different Branch Management Teams through all the company mergers for the first 11 years of her career and spent the last 11 years supporting numerous Wealth Management Advisors.
Caryn strives to provide clients with a positive and memorable experience with each interaction. Among her responsibilities are handling client requests, making sure that their transactions are executed timely and accurately. She also schedules client appointments, provides them with documentation, arranges seminars and coordinates client events.
Caryn holds her Series 7 and Series 66 securities licenses and received an Associates Degree in Business Administration from Johnson & Wales University.
Generous with her time and active in her community, she has combined 2 of her favorite past times…running and supporting the American Cancer Society. She has been an advocate in the fight against cancer for over 15 years and has been fundraising to support all the programs and research that ACS provides. And for the past 3 years has done so with running. She has completed the Dopey Challenge (48.6 miles in 4 days) at Walt Disney World as a member of Team Determination with the American Cancer Society.
Caryn strives to provide clients with a positive and memorable experience with each interaction. Among her responsibilities are handling client requests, making sure that their transactions are executed timely and accurately. She also schedules client appointments, provides them with documentation, arranges seminars and coordinates client events.
Caryn holds her Series 7 and Series 66 securities licenses and received an Associates Degree in Business Administration from Johnson & Wales University.
Generous with her time and active in her community, she has combined 2 of her favorite past times…running and supporting the American Cancer Society. She has been an advocate in the fight against cancer for over 15 years and has been fundraising to support all the programs and research that ACS provides. And for the past 3 years has done so with running. She has completed the Dopey Challenge (48.6 miles in 4 days) at Walt Disney World as a member of Team Determination with the American Cancer Society.
About David Maccarone
Dave is an experienced professional with a solid background in client service at Morgan Stanley for 16 years. Skilled in building strong client relationships and delivering exceptional support.
Dave, a proud graduate of the University of Rhode Island, holds a Bachelor of Science in Business Administration.
Dave resides in East Greenwich, RI with his wife and two sons. In his spare time, he finds joy in playing golf and basketball. Additionally, he serves as a varsity head basketball coach.
Dave, a proud graduate of the University of Rhode Island, holds a Bachelor of Science in Business Administration.
Dave resides in East Greenwich, RI with his wife and two sons. In his spare time, he finds joy in playing golf and basketball. Additionally, he serves as a varsity head basketball coach.
Contact Matthew D'Ambra
Contact Kimberly Caggiano
Contact David Redmond
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
Evan J. Patterson
Private Banker
Giancarlo Pannone, CFP®
Financial Planning Director, Vice President
About Evan J. Patterson
Evan Patterson is a Private Banker serving Morgan Stanley Wealth Management offices in Rhode Island, Massachusetts and New York.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinema, reading books, and listening to vinyl records.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinema, reading books, and listening to vinyl records.
NMLS#: 800467
About Giancarlo Pannone
Giancarlo Pannone is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Rhode Island and Massachusetts. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Giancarlo began his career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to his current position, he gained extensive experience in the industry as a Financial Advisor for Merrill Lynch and Raymond James.
Giancarlo graduated from Rhode Island College and holds his Certified Financial Planner® designation. Giancarlo lives in Wakefield, RI with his wife Katie. Outside of work, Giancarlo enjoys surfing, hiking, snowboarding, and the occasional DIY home project.
Giancarlo began his career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to his current position, he gained extensive experience in the industry as a Financial Advisor for Merrill Lynch and Raymond James.
Giancarlo graduated from Rhode Island College and holds his Certified Financial Planner® designation. Giancarlo lives in Wakefield, RI with his wife Katie. Outside of work, Giancarlo enjoys surfing, hiking, snowboarding, and the occasional DIY home project.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Providence 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.
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.
4When 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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
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.
4When 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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:
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Awards Disclosures
CRC 6491812 (04/2024)
