Executive Director, Senior Portfolio Management Director, Branch Manager, Financial Advisor, Lending Specialist
The Ridgebury Group at Morgan Stanley
Direct:
(203) 894-3018(203) 894-3018
Our Mission Statement
To help our clients enjoy their lives, while seeking to achieve their financial goals without the burden of having to understand the complex world of investing.
Forbes Best-In-State Wealth Advisors (2021, 2022, 2023, 2024)
Forbes Best-In-State Wealth Advisors (2021, 2022, 2023, 2024)
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
2024, 2023, 2022, 2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2024, 2023, 2022, 2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024, 2023, 2022, 2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2024, 2023, 2022, 2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Morgan Stanley's Global Sports & Entertainment is a highly specialized wealth management division, dedicated to serving the unique and complex needs of athletes, entertainers, creators and top professionals in the sports and entertainment industry. The Ridgebury Group can help you navigate these complex situations - our story begins with you.
At The Ridgebury Group, we understand the unique financial challenges of entertainers and can craft customized financial strategies that are tailored to your specific needs. Delivering the powerful resources of Morgan Stanley, we can work to translate our client's goals into a financial strategy designed to help grow assets, preserve wealth and ensure a successful financial life and legacy.
You’re Unique and We Know Why
There’s nothing common about you—not your talent, your drive, your achievements or even your challenges. From your variable income streams to your taxes, from your obligations to your aspirations, “typical” is not part of your vocabulary. You need distinctive financial strategies that match your lifestyle and career trajectory.
Concentrated Experience in Capable Hands
We at The Ridgebury Group understand your unique financial opportunities and challenges. We know how money flows from your work to your wallet and live in your world, day in, day out, crafting innovative financial strategies.
Tailored Advice to Meet Your Life’s Goals
Whatever aspirations you have for yourself, your family and your community, we present strategies, products and services customized to help you reach your goals, your way while leveraging the vast array of Morgan Stanley resources.
Embrace the Power of Team
You have a handful of people who have supported you, encouraged you and watched your back. We routinely work in partnership with other trusted advisors to guide financial decision-making. We support and respect your personal confidants, combining our strengths to help bring you greater success.
Cybersecurity and CashPlus
The Ridgebury Group at Morgan Stanley stands behind our commitment to your financial security. Morgan Stanley makes a significant annual investment in cybersecurity so we can be on guard 24/7, 365 days a year. Our team agrees that safeguarding your assets and personal information is among our highest priorities, leveraging top-of-the-line products and tools to better keep you and your family's assets protected.
It's no question that Cyber-attacks are on the rise. It is never too early to begin implementing some protective measures to better handle cyber-attacks. Knowing WHAT to do, WHO to call, and HOW to proceed when an attack happens, or is about to happen, is imperative.
Below are some helpful tools, articles, and resources regarding Cybersecurity which our team strongly encourages you to review. If you should have any questions regarding these topics, or would like to discuss in greater detail, please do not hesitate to reach out.
It's no question that Cyber-attacks are on the rise. It is never too early to begin implementing some protective measures to better handle cyber-attacks. Knowing WHAT to do, WHO to call, and HOW to proceed when an attack happens, or is about to happen, is imperative.
Below are some helpful tools, articles, and resources regarding Cybersecurity which our team strongly encourages you to review. If you should have any questions regarding these topics, or would like to discuss in greater detail, please do not hesitate to reach out.
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
CashPlus Accounts Brochure
We have developed tools and processes and onboarded the people and partners needed to deliver on that commitment. At Morgan Stanley, you have an ally and industry leader in cybersecurity. This brochure goes into detail about what exactly CashPlus is, why it is benefical to you, and how it can better protect your assets.
CashPlus Brochure
Cybersecurity Brochure
The Cybersecurity and Fraud Protection Brochure contains detailed information regarding the resources that we use at Morgan Stanley to help ensure that your financial assets are protected from online attacks. The information below is presented in slide format and can be saved to your device for future reference.
Cybersecurity Brochure
CashPlus - Experian Benefits & Enrollment
The link below will direct you to a video by Morgan Stanley executives that will explain, in detail, the benefits of a CashPlus account combined with Experian. For example, the Identity and Credit Protection that Experian provides to our clients. The video also contains step-by-step enrollment information.
Watch Here
Social Security Deposit Setup Guide
The Social Security Deposit Setup Guide details how to setup direct deposit for CashPlus account owners who are eligible to receive Social Security distributions. Please click the link below for a step-by-step process.
Social Security Deposit Setup Guide
CashPlus: Switching in 3 Easy Steps
The video link below will take you to a comprehensive overview of the CashPlus account through the Morgan Stanley Online platform. It will teach you how to operate the platform, set up different services for you account, and give you the opportunity to become familiar with the functionality prior to opening your account.
Watch HereINDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU:
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass virtually all the elements of your financial and personal life, seeking to make sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Click Here to Learn More
LifeView
Morgan Stanley’s LifeView Financial Planning tool’s client portal, LifeView Portal, provides your Financial Advisor with more robust financial planning capabilities, while giving you an easier and more intuitive user experience.
Fill Out Questionnaire Here
Retirement Planning
The decisions you make about your workplace retirement plan can benefit you for years to come. We’ll help you understand and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence
Click Here to Learn More
Education Planning
With education costs rising, paying for college has become a major life expense that requires smart planning.
Click Here
Family Planning
We can tailor a financial plan for today, while being flexible enough to grow with your family as things change.
Click Here
Small Business Planning
You've built your business. We can help identify opportunities to realize your business potential.
Click Here
CERTIFIED FINANCIAL PLANNER™ (CFP®)
CFPs must have several years of experience related to financial planning, pass the CFP exam and adhere to a strict ethical standard as set by the Certified Financial Planner Board of Standards.
CFPs, unlike some other types of financial advisors, are held to a fiduciary standard, meaning they are obligated to act in their client's best interest.
CFPs, unlike some other types of financial advisors, are held to a fiduciary standard, meaning they are obligated to act in their client's best interest.
Life Insurance & Variable Annuity Licensed
A prerequisite to these licenses are to pass the Series 7, 63 and 65. The Life, Disability & Variable Annuity License adds a lot of value to their practice because they're able to position these factors into a plan if necessary.
Women in Transition
The end of a marriage is a tumultuous time. However, for women, divorce and widowhood can raise a unique set of challenges. Women take on many roles and often navigate complex lives. A solid financial foundation can help women manage their financial future and simplify their financial life. The articles below can be used as a resource to help you through this often difficult transition.
Planning for Your Financial Future
It’s natural to feel overwhelmed by all the life events we need to prepare for. But women are tough, and we’re smart, and we’re planners. Feeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
Read Here
Planning For a New Beginning
Dealing with the impact of divorce on your financial life can make an emotionally difficult time even more challenging. Although divorce is seldom easy, you can prepare for it- and being prepared will help you feel more in control and better equipped to make informed, confident decisions about your financial future.
Read Here
Life After Divorce
Divorce is almost never easy. The more you know and the better you understand your options, the more prepared you will be to make sound decisions. This will help you take control of your financial life and prepare the way for greater confidence and flexibility in the future.
Read Here
Making the Most of Your Sudden Wealth
Most financial gains are inheritances, but they can also stem from a variety of other sources such as legal settlements. Suddenly inheriting wealth can propel you to financial security or serve as a source of future regret, if not managed wisely. This fact sheet will help you identify the issues involved in managing, preserving and maximizing your new wealth.
Read Here
Navigating Divorce
It is important to evaluate the impact divorce can have on both your personal and financial matters. The better you understand your options, the more likely you are to make sound financial decisions. This article will help you learn how to build a solid financial strategy that may help provide you with greater confidence and flexibility in the future.
Read Here
A Woman's Guide to Life & Money
How do you fulfill your caregiving duties without sacrificing your own self care? How does a major life transition like divorce or retirement impact your financial future? If you’re wrestling with some of these questions, the Playbook: A Woman’s Guide to Life & Money may have the answers you’re looking for.
Read HereLocation
90 Grove St
Suite 204
Ridgefield, CT 06877
US
Direct:
(203) 894-3018(203) 894-3018
Meet The Ridgebury Group
First Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Manager, Global Sports and Entertainment Director
Phone:
(203) 894-3021(203) 894-3021
Carmela Martino
Registered Client Service Associate
Phone:
(203) 894-3018(203) 894-3018
Carolina Reynolds
Registered Client Service Associate
Phone:
(203) 894-3006(203) 894-3006
About Richard H. Streisfeld
I began my career at a small boutique firm on Wall Street in 1989. In 1990, I moved to a suburban office of Prudential - Bache Securities, and in 1994 I was recruited by Smith Barney.
In 1998 I was named a member of the Smith Barney Chairman’s Council. That same year I was honored to receive the title, Senior Vice President – Wealth Management. After 12 years at Smith Barney, in April of 2006, I was recruited by Morgan Stanley where I served as a Senior Vice President, Financial Advisor in their Wealth Management division at their corporate headquarters in Purchase, NY.
In December of 2008, I was promoted to head up the Ridgefield, CT branch of Morgan Stanley* as Branch Manager, in addition to maintaining current, as well as developing new client relationships.
In 1998 I was named a member of the Smith Barney Chairman’s Council. That same year I was honored to receive the title, Senior Vice President – Wealth Management. After 12 years at Smith Barney, in April of 2006, I was recruited by Morgan Stanley where I served as a Senior Vice President, Financial Advisor in their Wealth Management division at their corporate headquarters in Purchase, NY.
In December of 2008, I was promoted to head up the Ridgefield, CT branch of Morgan Stanley* as Branch Manager, in addition to maintaining current, as well as developing new client relationships.
Securities Agent: WV, VI, IA, KS, ID, WY, OK, KY, NC, HI, LA, AL, NM, WA, PA, OR, NH, SC, MO, WI, CA, NJ, ND, MT, NY, IL, RI, AR, UT, VT, DE, TN, FL, GA, IN, MD, SD, MN, OH, MI, CO, CT, AK, VA, TX, PR, NV, NE, MS, ME, MA, DC, AZ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 174531
NMLS#: 174531
About David A Schneider
My passion as a CFP ™ with The Ridgebury Group at Morgan Stanley stems from my desire to positively impact lives for the better by being a dedicated Financial Advisor to our clients. At an early age I learned firsthand the negative effects of working without a financial advisor and the position that can put people in. Communication, trust, and understanding are the key driving principles clients enjoy as we deliver personalized financial plans to address their needs. This can help allow clients to have confidence, clarity and focus on what really matters to them and lead the life they have always wanted. We approach each and every interaction and decision with our client’s best interest in mind, listening to what they have to say, educating them on their options, considering the larger picture and aiming for their financial success and prosperity. Along the way, we will continually adjust the planning process to an ever-evolving market dynamic and life’s circumstances. Clients are encouraged to thoroughly examine the ways in which they spend, invest, save, and transfer wealth, then we collaborate with them throughout the journey. Helping simplify the complex and providing education around multiple investment disciplines is a benefit you may receive by working with me. If you feel we would be an appropriate option in helping reach your goals and objectives, I welcome the opportunity to speak further and see if working together makes sense.
Prior to becoming a financial advisor, I had the pleasure of playing professional hockey for eight years, primarily in the Finnish and Swedish Elite Leagues along with signing a contract with the Tampa Bay Lightning in 2007. Residing in Pound Ridge, NY with my wife, Stephanie, and 3 children: Luke, Evan, and Korinne, I enjoy golfing, tennis and volunteer coaching my kids' sports activities.
Prior to becoming a financial advisor, I had the pleasure of playing professional hockey for eight years, primarily in the Finnish and Swedish Elite Leagues along with signing a contract with the Tampa Bay Lightning in 2007. Residing in Pound Ridge, NY with my wife, Stephanie, and 3 children: Luke, Evan, and Korinne, I enjoy golfing, tennis and volunteer coaching my kids' sports activities.
Securities Agent: TN, FL, UT, VT, TX, HI, PA, DE, CT, CA, KS, MN, MI, GA, WA, ME, CO, SD, OH, NM, MS, AZ, WI, AL, SC, NE, NC, MD, MA, IL, RI, NH, MO, DC, VA, NY, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2063424
NMLS#: 2063424
About Catherine J. Calandra
Catherine specializes in managing the financial transitions of clients, with a particular focus on women going through divorce, widowhood, inheritance, or career-driven wealth acquisition.
With firsthand knowledge of navigating the complexities of separating joint finances, Catherine approaches financial decisions with a strategic mindset, ensuring her clients' long-term financial security. Her expertise lies in helping clients intelligently negotiate divorce settlements, comprehending the short and long-term implications.
Catherine has established a distinct niche in wealth management, catering to the needs of pre- and post-divorce clients. Throughout uncertain life experiences, she provides discreet financial analysis, valuations, and recommendations during divorce litigation and settlement. Her services extend to areas such as mortgages, life insurance, investments, portfolio management, post-divorce lifestyle management, as well as estate and educational planning.
Having graduated from Fordham University in 1991, Catherine began her career in the insurance industry before founding her own Independent Investigation and Claims Firm in Westchester County in 1998. In 2011, she joined Morgan Stanley, where she currently serves as a dedicated Financial Advisor.
Outside of the office, Catherine is classically trained in piano, loves to travel, golf, play pickle ball, listen to live music, cook and spend time with her husband, kids and two golden retrievers, Bailey and Zuzu.
With Catherine's guidance, clients can confidently navigate life's transitions, ensuring a secure financial future while making informed decisions along the way.
With firsthand knowledge of navigating the complexities of separating joint finances, Catherine approaches financial decisions with a strategic mindset, ensuring her clients' long-term financial security. Her expertise lies in helping clients intelligently negotiate divorce settlements, comprehending the short and long-term implications.
Catherine has established a distinct niche in wealth management, catering to the needs of pre- and post-divorce clients. Throughout uncertain life experiences, she provides discreet financial analysis, valuations, and recommendations during divorce litigation and settlement. Her services extend to areas such as mortgages, life insurance, investments, portfolio management, post-divorce lifestyle management, as well as estate and educational planning.
Having graduated from Fordham University in 1991, Catherine began her career in the insurance industry before founding her own Independent Investigation and Claims Firm in Westchester County in 1998. In 2011, she joined Morgan Stanley, where she currently serves as a dedicated Financial Advisor.
Outside of the office, Catherine is classically trained in piano, loves to travel, golf, play pickle ball, listen to live music, cook and spend time with her husband, kids and two golden retrievers, Bailey and Zuzu.
With Catherine's guidance, clients can confidently navigate life's transitions, ensuring a secure financial future while making informed decisions along the way.
Securities Agent: NM, CT, MS, GA, TX, SC, FL, AL, VA, PA, IL, CA, KS, ME, CO, AZ, RI, NJ, WA, TN, NH, MD, NY, NE, VT, SD, NC, MI, DC, OH, MO, MN, MA, DE, WI, UT, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2497308
NMLS#: 2497308
Contact Richard H. Streisfeld
Contact David A Schneider
Contact Catherine J. Calandra
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
Julian Cho
Private Banker
About Julian Cho
Julian Cho is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Julian began his career in financial services in 2009, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Julian is a graduate of Nyack College, where he received a Bachelor of Science in Management and Finance. He lives in North Haledon, New Jersey with his family. Outside of the office, Julian enjoys billiards, surfing and kite boarding, fishing, skiing, and playing lacrosse.
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.
Julian began his career in financial services in 2009, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Julian is a graduate of Nyack College, where he received a Bachelor of Science in Management and Finance. He lives in North Haledon, New Jersey with his family. Outside of the office, Julian enjoys billiards, surfing and kite boarding, fishing, skiing, and playing lacrosse.
NMLS#: 833560
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
Are You Prepared for Tax Day?
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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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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The Ridgebury 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’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.
2When 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.
3Alternative 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.
4Morgan 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
8Morgan 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
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’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.
2When 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.
3Alternative 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.
4Morgan 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
8Morgan 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
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.
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Awards Disclosures
CRC 6491812 (04/2024)
