Phone:
(732) 936-3367(732) 936-3367
The Brahney Holly Group at Morgan Stanley
Direct:
(732) 936-3367(732) 936-3367
Toll-Free:
(800) 726-6971(800) 726-6971
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
Welcome
Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long-term goals.
At The R & B Group, we are committed to building a relationship of trust in which we can work closely with you to help define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope that you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue.
Our most important goal is to to help you achieve your objectives by providing guidance that helps your wealth do more for you.
At The R & B Group, we are committed to building a relationship of trust in which we can work closely with you to help define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope that you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue.
Our most important goal is to to help you achieve your objectives by providing guidance that helps your wealth do more for you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Personalized Solutions
From buying a home to rolling over your 401(k) to leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
Financial Planning
Life is constantly changing. How do I prepare for a more secure future knowing that certain events – like a divorce or a death in the family – can dramatically impact my plans?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I’ll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Managing Risk
Life’s risks can reveal themselves in many ways – from loss of life to loss of health. How do I protect myself and my family from life’s unknowns?
Professional Portfolio Management
I have so many things I want to do with my life. How can one investment strategy balance them all?
Socially-Responsible Investing
Is there a way to incorporate my personal values into the way I invest without giving up performance?
Charitable Giving
Are my charitable donations having the impact I want them to have?
Growing Older
Given extended life expectancy, how do I make certain I can afford the health services I may need?
NAVIGATING RETIREMENT PLANS
Retirement is one of life's biggest benchmarks, and our goal here is to make sure you are prepared. Below is our standard process for planning and monitoring your retirement process.
Step 1: Assets
Your assets may include, 401(K), 403(b), 457 plans, lump sum pensions, real estate, investment accounts, bank accounts, stock options, stock purchase plans, and business assets.
Why Your 401(k) Needs a Financial Advisor
Step 5: Risk Management
It's important to make sure your plan has the proper guardrails to keep you and your family on track.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Step 2: Liabilities
We will help bring order to your financial life by assisting you in organizing your financial and personal affairs. We will prepare a comprehensive financial plan and work together to ensure your goals are established and implementation plan is agreed upon.
Step 6: Estate Planning Strategies
As you approach retirement, it's important to make sure your estate planning strategy is aligned with your investment and financial plans.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
Step 3: Income
In retirement, you'll likely need to generate enough income to maintain your current lifestyle. You may have multiple sources of fixed income including pension payments and Social Security. You may also have other sources of fixed income as well during retirement.
Step 7: Assembling Your Team
Before and during retirement, it's important your personal tax advisor, personal estate planning attorney, and financial advisor communicate regularly and operate as a virtual team on your behalf. Your virtual team should meet with you and your family at least annually.
Step 4: Expenses
Knowing what your expenses will be in retirement is critical. During the accumulation years of your life, savings rates are the key to success. During retirement however, withdrawal rates matter the most.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Step 8: Continued Monitoring
Approaching and during retirement, it's important to check up on your investment and financial plans to make sure they are on track.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Digital Tools
Our goal is simple: “To be the firm where the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their life goals.” The Firm strives to ensure it serves clients on market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online Log-In>
Asset Aggregation
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Asset Aggregation>
Digital Vault
Keeping important documents and financial records organized and readily available is one the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital Vault>
Premier Cash Management
Premier Cash Management is a program that recognizes and rewards clients for choosing Morgan Stanley for their everyday cash management needs. This program provides clients with select benefits, savings, and enhanced services.
A suite of cash management solutions that provides an attractive alternative to a traditional bank.
These solutions include depositing checks, withdrawing cash and paying your households bills from your Active Assets Accounts which allows you to manage your everyday finances alongside your long-term investments. As an added value, clients are rewarded for using the firm’s cash management solutions through the Premier Cash Management Program.
For More Information>A suite of cash management solutions that provides an attractive alternative to a traditional bank.
These solutions include depositing checks, withdrawing cash and paying your households bills from your Active Assets Accounts which allows you to manage your everyday finances alongside your long-term investments. As an added value, clients are rewarded for using the firm’s cash management solutions through the Premier Cash Management Program.
Goals Planning System
GPS helps clients define what they want out of life, and then creates a financial framework to bring these goals to life.
Client Benefits
A Plan Designed to Achieve Goals: A holistic Goals Planning System approach to Wealth Management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies.
Track Progress to Goals: Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track.
Stay Flexible as Goals Change: As circumstances and goals change, Financial Advisors can help adjust priorities and introduce additional solutions.
GPS Video>Client Benefits
A Plan Designed to Achieve Goals: A holistic Goals Planning System approach to Wealth Management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies.
Track Progress to Goals: Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track.
Stay Flexible as Goals Change: As circumstances and goals change, Financial Advisors can help adjust priorities and introduce additional solutions.
Financial Resources
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of providing our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns.
Mike Wilson: Thoughts On The Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
This Week's Podcast With Mike Wilson
Global Investment Committee On The Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Read: "GIC On The Markets"
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
Read: "GIC Weekly"
2025 Federal Income Tax Tables
For help filing your taxes this year, our team has published the 2025 tax tables for your reference. Please click the link below to view them.
Read: "Tax Tables"
Reducing Your Income & Portfolio Tax
Achieving your investment goals isn’t just about maximizing returns. Minimizing the impact of taxation in your portfolio can also play a key role in helping you build wealth over the long run. As you review your income and portfolio, consider the steps in the document below to assist in minimizing taxes on your investments.
Read: "These Steps May Reduce Taxes On Your Income & Portfolio"Location
20 Linden Place
Red Bank, NJ 07701
US
Direct:
(732) 936-3367(732) 936-3367
Toll-Free:
(800) 726-6971(800) 726-6971
Fax:
(732) 837-2754(732) 837-2754
Meet The Brahney Holly Group
Phone:
(732) 936-3311(732) 936-3311
John Brahney
Client Service Associate
Phone:
(732) 936-4039(732) 936-4039
Patti Taylor
Portfolio Advisor
Phone:
(732) 936-3357(732) 936-3357
About Mark Brahney
Mark Brahney
Senior Vice President- Financial Advisor
NMLS # 1255575
Mark brings nearly forty-years of industry experience to the team, where he oversees all areas of the practice. He directs the overall wealth management strategy for the group with a focus on asset allocation and style diversification, aided by his strong quantitative and analytic skills. Mark works with high net worth individuals as well as institutions to define financial goals, implement a prudent plan, and then monitors the performance, recommending adjustments as needed. Ongoing client reviews are an integral part of the team’s business plan. Additionally, Mark consults with his clients and their legal and tax advisors pertaining to administration of wealth transfer related techniques.
Prior to joining Morgan Stanley, Mark was a Senior Vice President with UBS Financial Services, as well as a Senior Vice President- Assistant Branch Manager of Smith Barney. Upon graduation from Princeton University with a Bachelor of Arts degree, he was employed by SmithKline Beecham in their Executive Management Program. Mark is Series 7 (General Securities Representative), Series 63 (Securities Agent State Law), and Series 66 (Combined State Law), as well as being licensed in Life and Health insurance. He also volunteers for Lunch break, an organization which provides for local families in need. He currently serves as a member of Lunch Break’s Advisory Council, after serving six years as its Chairman of the Board of Trustees.
Senior Vice President- Financial Advisor
NMLS # 1255575
Mark brings nearly forty-years of industry experience to the team, where he oversees all areas of the practice. He directs the overall wealth management strategy for the group with a focus on asset allocation and style diversification, aided by his strong quantitative and analytic skills. Mark works with high net worth individuals as well as institutions to define financial goals, implement a prudent plan, and then monitors the performance, recommending adjustments as needed. Ongoing client reviews are an integral part of the team’s business plan. Additionally, Mark consults with his clients and their legal and tax advisors pertaining to administration of wealth transfer related techniques.
Prior to joining Morgan Stanley, Mark was a Senior Vice President with UBS Financial Services, as well as a Senior Vice President- Assistant Branch Manager of Smith Barney. Upon graduation from Princeton University with a Bachelor of Arts degree, he was employed by SmithKline Beecham in their Executive Management Program. Mark is Series 7 (General Securities Representative), Series 63 (Securities Agent State Law), and Series 66 (Combined State Law), as well as being licensed in Life and Health insurance. He also volunteers for Lunch break, an organization which provides for local families in need. He currently serves as a member of Lunch Break’s Advisory Council, after serving six years as its Chairman of the Board of Trustees.
Securities Agent: WA, VA, FL, OR, HI, DE, MD, VT, CA, NM, MO, MI, MA, AL, TN, NY, LA, GA, UT, TX, NJ, CO, RI, PA, OH, IL, CT, NV, MS, DC, NH, SC, NC, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1255575
NMLS#: 1255575
About Robert Holly
As a member of the R&B Group, Bob will help you define your goals by delivering a vast array of resources in the way that is most appropriate for how you invest and what you want to achieve. Working together, Bob will help you preserve and grow your wealth as he strives to meet your investment goals. You will have access to some of the world’s most seasoned professionals, a premier trading and execution platform and a full spectrum of investment choices.
Having specialized in the Fixed Income Arena for the past 34 years, Bob’s broad experience provides a seasoned perspective to the client relationship. And as a new member of the R&B Wealth Management Group at Morgan Stanley, Bob joins a team that has a combined 100 years of wealth management experience.
Bob graduated from Princeton University in 1982 with a Bachelor of Arts degree. Prior to working in the Capital Markets, he played 4 years in the National Football League as a Quarterback, including Super Bowl XVII winning season with the Washington Redskins. The principles that he learned, as an NFL player, of teamwork and collaboration are essential to our approach at Morgan Stanley in working with our clients.
Series 66 (FINRA), Series 24 (FINRA), Series 63 (FINRA), and Series 7 (FINRA) licensed.
Bob and his wife Victoria reside in Princeton, New Jersey.
Having specialized in the Fixed Income Arena for the past 34 years, Bob’s broad experience provides a seasoned perspective to the client relationship. And as a new member of the R&B Wealth Management Group at Morgan Stanley, Bob joins a team that has a combined 100 years of wealth management experience.
Bob graduated from Princeton University in 1982 with a Bachelor of Arts degree. Prior to working in the Capital Markets, he played 4 years in the National Football League as a Quarterback, including Super Bowl XVII winning season with the Washington Redskins. The principles that he learned, as an NFL player, of teamwork and collaboration are essential to our approach at Morgan Stanley in working with our clients.
Series 66 (FINRA), Series 24 (FINRA), Series 63 (FINRA), and Series 7 (FINRA) licensed.
Bob and his wife Victoria reside in Princeton, New Jersey.
Securities Agent: OR, HI, MI, IL, DE, UT, TX, OH, NM, MD, SC, MO, MA, KY, DC, CA, VT, RI, NY, AL, GA, CT, CO, MS, FL, WA, VA, PA, NV, NC, LA, TN, MN, NH, NJ; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1973201
NMLS#: 1973201
About John Brahney
John Brahney
Client Service Associate
Jake is the newest member of the R&B Group, serving as a Client Service Associate since May of 2014. He plans on becoming a Financial Advisor with the team upon completion of his licensing and training.
Jake compiles asset allocation analysis and performance reviews in preparation for client meetings, and coordinates client appointments. He also assists with administrative tasks as needed. Jake has a Bachelor of Arts Degree from the Catholic University of America in Washington D.C.
Client Service Associate
Jake is the newest member of the R&B Group, serving as a Client Service Associate since May of 2014. He plans on becoming a Financial Advisor with the team upon completion of his licensing and training.
Jake compiles asset allocation analysis and performance reviews in preparation for client meetings, and coordinates client appointments. He also assists with administrative tasks as needed. Jake has a Bachelor of Arts Degree from the Catholic University of America in Washington D.C.
About Patti Taylor
Patti Taylor is a highly qualified Registered Portfolio Associate who handles all administrative and day-to-day operations with personal care and first-class service.
Often the first point of contact, she assists clients with a wide breadth of daily needs, ranging from execution of equity and option trades, to providing a high level of service and problem resolution.
She has been with Morgan Stanley for 23+ years, holds a Bachelor’s Degree from Seton Hall University and lives in Red Bank, NJ with her family.
Often the first point of contact, she assists clients with a wide breadth of daily needs, ranging from execution of equity and option trades, to providing a high level of service and problem resolution.
She has been with Morgan Stanley for 23+ years, holds a Bachelor’s Degree from Seton Hall University and lives in Red Bank, NJ with her family.
Contact Mark Brahney
Contact Robert Holly
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
Article Image
Ready to start a conversation? Contact The Brahney Holly Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Investors 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8When 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.
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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Investors 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8When 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.
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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
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Awards Disclosures
CRC 6491812 (04/2024)