Susan T Riley
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(517) 768-7710(517) 768-7710
The Riley Rossi Group at Morgan Stanley
Direct:
(517) 768-7710(517) 768-7710
Toll-Free:
(800) 352-8780(800) 352-8780
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Team Focus
As your Financial Advisors, we enjoy building relationships with clients and working with them to help meet their financial goals. We believe a well-executed financial plan will help clients find financial freedom. Our primary goal is to provide the highest level of customer service, which includes account review, implementation of well-researched financial planning, development of new strategies, and monitoring the goals of each account. We believe consistently communicating with clients and educating them on their investment opportunities is the key to forming life-long client relationships. We strive to make a positive difference in the world, and specifically to positively influence the financial well being in our community.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Wealth ManagementFootnote3
- Retirement PlanningFootnote4
- 401(k) Rollovers
- Trust AccountsFootnote5
- Philanthropic Services
- Endowments and FoundationsFootnote6
- Estate Planning StrategiesFootnote7
- Long Term Care InsuranceFootnote8
- AnnuitiesFootnote9
- Alternative InvestmentsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Susan Riley recognized as Forbes 2025 Top Women Wealth Advisors Best-In-State
2025 - Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://e.gv6.co/l3gfH4
Click Here to Learn MoreSource: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://e.gv6.co/l3gfH4
The Riley Rossi Group recognized as Forbes 2025 Best-In-State Wealth Management Teams
The Riley Rossi Group was named on Forbes' 2025 Best-in-State Wealth Management Teams annual ranking.
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
At Morgan Stanley, we believe that identifying financial strategies begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to work with you to develop a strategy that can help meet your individual financial needs:
• Develop a thorough understanding of your financial goals and objectives
• Review and analyze your current financial situation
• Identify and tailor investment strategies that can help you meet your individual needs
• Implement your customized strategy, including personalized services and benefits
• Review your strategy, meeting periodically to discuss your goals and needs
Whatever your financial goal – whether to help grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
• Personal
• Highly individualized and committed to helping you achieve financial success
• Flexible
• Responsive to changes in your life and in your priorities over time
• Comprehensive
• Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
• Develop a thorough understanding of your financial goals and objectives
• Review and analyze your current financial situation
• Identify and tailor investment strategies that can help you meet your individual needs
• Implement your customized strategy, including personalized services and benefits
• Review your strategy, meeting periodically to discuss your goals and needs
Whatever your financial goal – whether to help grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
• Personal
• Highly individualized and committed to helping you achieve financial success
• Flexible
• Responsive to changes in your life and in your priorities over time
• Comprehensive
• Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
LifeView Financial Goal Analysis
LifeView Financial Goal Analysis and Financial Plan
This questionnaire will help us create a personalized strategy for you and can enhance our conversation around your long-term goals.
QuestionnaireThis questionnaire will help us create a personalized strategy for you and can enhance our conversation around your long-term goals.
Document Checklist
A comprehensive list of documents that can help in the creation of your wealth management plan.
Checklist
Personal Relationships
We are dedicated to building deep and caring relationships with you and your family. The bond we form is fundamental to our mission and it is our hope that it spans generations. Our goal is to be the last financial advisory team you will ever need.
Investment Excellence
Investment strategy is one of the most critical services we provide. We leverage our experience and relationships to source innovative strategies from the most knowledgeable investment minds in the business. As an individual investor, you benefit from the market insights and rigorous due diligence that drive our institutional relationships. We also have extensive experience with the Firm’s Alternatives platform and share our insights with you.
Knowledge and Experience
We have a concentration of experience and education that is rare in one group advisors (please see Tab 5 of our website). With more than 75+ combined years of experience representing three different generations and multiple industry and Firm-approved credentials, we have the knowledge and skills to tackle the challenges of significant wealth and work with any type of investor.
Disciplined Process
From planning to execution, every step of our results-driven process is designed to ensure a clear and consistent experience for every client. As the adage goes: “The devil is in the details.” We are committed to being your single point of contact for all things financial. Our detailed process begins with a thorough financial plan to understand your goals, dreams and concerns, which in turn, drives the solutions needed for your customized wealth management plan.
Total Wealth Management
Retirement assets, equity compensation and insurance policies should not be managed as separate entities, but as vital components of your overall financial picture. As an experienced advisory team, we take a holistic approach to wealth management. All of your assets – including the benefits you receive from your employer – will be integrated to help ensure they are working together to meet your overall goals.
Commitment to Community
With deep roots in our community and a deeper commitment to sustaining its character for future generations, we are highly engaged in creating a better and brighter future. Our partnership with various local and national organizations supports important initiatives and causes -- from helping children and to supporting local food banks and religious organizations.
HELPFUL LINKS
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
2024 Federal Tax Tables
This document outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2024 Federal Tax Tables
2024 Maximum Benefit and Contribution Limits
Highlights the maximum benefit contribution limits from 2018-2024
View 2024 Maximum Benefit and Contribution Limits
Thoughts On The Market Podcast
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.
Check Out The Latest EpisodeInvestment Research
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Latest Research from the Firm
Global Investment Committee Weekly Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read GIC Weekly ReportMorgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Latest EpisodeCommunity Involvement
Board of Directors of Henry Ford Allegiance Health Foundation
Executive Board of Directors of Jackson Symphony Guild
Ella Sharp Museum, Member
Jackson Jr Welfare League, Sustaining Member
Michigan Theatre of Jackson, Member
Destination Imagination, Challenge Master
Queen of the Miraculous Medal Finance Committee, Past Member
Big Brothers Big Sisters, Past Member Volunteer
Florence Crittenden, Past Member Volunteer
100+ Women Who Care, Member
Girl Scouts Heart of Michigan, Volunteer
Jackson Business Professional Women Group, Membership Co-Chair
Executive Board of Directors of Jackson Symphony Guild
Ella Sharp Museum, Member
Jackson Jr Welfare League, Sustaining Member
Michigan Theatre of Jackson, Member
Destination Imagination, Challenge Master
Queen of the Miraculous Medal Finance Committee, Past Member
Big Brothers Big Sisters, Past Member Volunteer
Florence Crittenden, Past Member Volunteer
100+ Women Who Care, Member
Girl Scouts Heart of Michigan, Volunteer
Jackson Business Professional Women Group, Membership Co-Chair
Location
3101 Spring Arbor Rd
Suite 400
Jackson, MI 49203
US
Direct:
(517) 768-7710(517) 768-7710
Toll-Free:
(800) 352-8780(800) 352-8780
Meet The Riley Rossi Group
Nick Rossi, CFP®
Vice President, Financial Advisor, Vice President, Portfolio Manager, Financial Planning Specialist
Phone:
(517) 768-7720(517) 768-7720
Kim Anne Coberley
Registered Client Service Associate, Financial Planning Specialist
Phone:
(517) 768-7702(517) 768-7702
About Susan T Riley
Susan is a Senior Vice President at Morgan Stanley. Susan has over 35 years of experience in the financial services industry. Susan focuses on working with both privately held businesses as well as with individuals and families to help guide them through all phases of wealth management, including wealth accumulation, wealth preservation and wealth transfer strategies. Overseeing the team’s Strategic Advisory Relationships, she works to ensure that the collective experience and resources of the top minds at the firm are brought to bear for clients. She also works with an external network of specialists in the areas of accounting, corporate and estate law to bring a holistic approach to the complex needs of our clients and their families.
Susan takes great pride in giving back and is deeply integrated throughout the community.
Susan received her B.A. from Marymount College of Fordham University.
In her free time, she enjoys fine arts, biking and traveling. Susan also enjoys spending time with her family on the lake.
2021-2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2021-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Susan takes great pride in giving back and is deeply integrated throughout the community.
Susan received her B.A. from Marymount College of Fordham University.
In her free time, she enjoys fine arts, biking and traveling. Susan also enjoys spending time with her family on the lake.
2021-2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2021-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Securities Agent: IL, CA, WI, SC, MA, KS, TN, VA, NY, IA, CO, TX, MT, WA, FL, UT, GA, WY, OH, KY, IN, NC, MI, NV, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255746
CA Insurance License #: 0B59367
NMLS#: 1255746
CA Insurance License #: 0B59367
About Nick Rossi
As a financial advisor on the team, Nick focuses on overseeing team operations, building new relationships and continuing to enhance existing relationships. He has investment management and client development responsibilities. Nick works closely on financial plans, investment manager selection, portfolio analysis, and sound investment strategies that reflect the personal and financial objectives of each individual, family or institution. He is committed to building long-term relationships with clients as well as consistently delivering an exceptional client experience.
Nick attended Ferris State University, where he graduated cum laude with a B.S. in Finance.
In his free time, Nick is an avid golfer. He also enjoys traveling and spending time with his family and friends.
Nick attended Ferris State University, where he graduated cum laude with a B.S. in Finance.
In his free time, Nick is an avid golfer. He also enjoys traveling and spending time with his family and friends.
Securities Agent: WA, FL, OH, MT, NV, CO, PA, IA, CA, TX, MO, NY, IN, IL, MA, OR, KS, NC, LA, DC, WY, WI, VA, SC, MI, AZ, MN, MD, AR, HI, AL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1528195
NMLS#: 1528195
About Kim Anne Coberley
As a Registered Client Service Associate, Kim focuses on building strong client relationships and providing excellent client service. She will also assist with team marketing and coordinating our events. She is dedicated to earning your trust and working with her team to ensure you have an efficient and coordinated wealth strategy. Kim has worked in the financial services industry for over 10 years. She's licensed with a Series 7 & 66.
Kim earned a Bachelor’s of Science degree in Education at the State University of New York College at Plattsburgh and a Master’s degree in Counseling and Personnel Services at Fordham University.
Kim enjoys volunteering with Habitat for Humanity and Girl Scouts Heart of Michigan. She is also the Membership Chair of the Jackson Michigan Business and Professional Women Group.
In her free time, she's an avid gardener and loves to travel with her friends and family.
Kim earned a Bachelor’s of Science degree in Education at the State University of New York College at Plattsburgh and a Master’s degree in Counseling and Personnel Services at Fordham University.
Kim enjoys volunteering with Habitat for Humanity and Girl Scouts Heart of Michigan. She is also the Membership Chair of the Jackson Michigan Business and Professional Women Group.
In her free time, she's an avid gardener and loves to travel with her friends and family.
Contact Susan T Riley
Contact Nick Rossi
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
Joseph V. Portera
Private Banker
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
Wealth Management
From Our Team
How to Break the Ice Around Family Finances
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
5 Mistakes to Avoid in Retirement
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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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Ready to start a conversation? Contact The Riley Rossi 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 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.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Alternative 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
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.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Alternative 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
CRC 6491812 (04/2024)
