Phone:
(610) 408-6591(610) 408-6591
The Rittenhouse Group at Morgan Stanley
Direct:
(610) 408-6591(610) 408-6591
Toll-Free:
(800) 233-1414(800) 233-1414
Our Mission Statement
With genuine passion, we deliver a dynamic approach that puts you in the center of every decision
THE RITTENHOUSE GROUP
As a seasoned advisory team, we understand the importance of family and the financial freedom to pursue personal interests. For nearly 20 years, we have been providing personalized financial guidance and investment management solutions to successful professionals, families and business owners residing in the Philadelphia tri-state area and across the country.
What Sets Us Apart
Over the course of our careers, we have studied and achieved important industry credentials, including Certified Financial Planner (CFP®), Certified Private Wealth Advisor (CPWA®), Certified Investment Management Analyst (CIMA®) and Chartered Retirement Plan Counselor (CRPC®). This concentration of education, knowledge and specialized skills is rare in one group of advisors and enables us to serve as your single point of contact for all your family wealth needs. We use our extensive technical and analytical skills to research, evaluate and recommend appropriate strategies to address your particular needs and goals.
Financial Strategies for Life
We are dedicated to helping families with significant wealth define and achieve their long-term financial goals. We believe it is our responsibility to be aware of the changes in your life, so we can anticipate and respond strategically to new risks and emerging opportunities. The end result is a coordinated financial plan, updated regularly, that focuses on meeting your particular goals today and for the generations that follow.
The Rittenhouse Group Advantage
With genuine passion, we deliver a dynamic approach that puts you in the center of every decision. We are committed to earning your trust every day through a powerful combination of experience, education and empathy. Above all, we strive to ensure every client feels like our only client.
Getting started is easy. It begins with a conversation. We look forward to discussing how we can create the lifestyle and legacy you envision for you and your family.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Sustainable InvestingFootnote3
- Planning for Education FundingFootnote4
- Retirement PlanningFootnote5
- Estate Planning StrategiesFootnote6
- 401(k) Rollovers
- Alternative InvestmentsFootnote7
- Long Term Care InsuranceFootnote8
- Life InsuranceFootnote9
- Trust AccountsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Why Work with Us
At The Rittenhouse Group, your priorities become our priorities. We leverage our decades of experience, along with the premium resources of Morgan Stanley, to create a comprehensive wealth strategy that is uniquely yours. We are committed to the following core values that we believe differentiate us from other advisory teams and serve as the foundation of our practice.
Caring Relationships
We build longstanding relationships, based on trust and integrity. We do this by working with a select group of individuals, families and business professionals who value our depth of knowledge and experience in providing comprehensive solutions that go well beyond investments. The bond we form with each client is fundamental to our mission, and it is our goal that it spans generations.
Knowledge and Experience
Our team has a concentration of experience and education that is rare in one group of Financial Advisors. With more than 45 collective years of experience, we have acquired the wisdom and skills to tackle the challenges that come with accumulating significant wealth. Our priority is to help you prepare for all of life’s milestones and be your first call for any financial matter – no matter how simple or complex the situation.
Collaborative Approach
The diversity of our backgrounds, experience and areas of specialty enable us to deliver fresh ideas for today’s complex world. We are available to work with your accountant, attorney and other professionals to build a comprehensive and cohesive plan that encompasses all aspects of your life.
Concierge Service
We recognize every client is unique. Some desire in-depth explanations of investment concepts, while others understand those concepts thoroughly and prefer advisors with whom they can formulate strategies. We are committed to helping you achieve your goals in a manner that aligns with your expectations of a concierge experience.
Our Clientele
We deliver comprehensive services to a select group of clients who have accumulated a higher level of wealth and seek financial guidance on the following activities:
- Comprehensive financial planning
- Investment management for growth or income
- Minimizing taxes, while optimizing investment performance
- Managing a significant life or liquidity event, such as transitioning to retirement, selling a business, a divorce or loss of a loved one
- Diversifying highly concentrated positions
- Financing a major acquisition
- Preparing the next generation to effectively manage wealth
- Creating a legacy plan to preserve family harmony as well as assets
- Achieving charitable and philanthropic goals
Our clients include:
- Families spanning multiple generations
- Retirees and individuals planning for retirement
- Successful professionals, corporate executives and business owners
- Women seeking guidance for themselves and their families
- Referrals from existing clients and industry professionals
Working with You
Our process begins and ends with listening. We ask questions about what is important to you, your family and your legacy . . . and then we listen. Through each step, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
Step 1: Initial Conversation
We begin with an informal discussion to understand your financial concerns and determine how we can add value. This is your opportunity to interview us, as we get to know you. If we agree to move forward, we’ll schedule our next meeting and request important financial information.
Step 2: Discovery Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and begin to define your priorities.
Step 3: Analysis and Strategy Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed strategy with recommendations to help you grow, preserve and transfer your wealth. This serves as the foundation for building your initial plan, as well as future investment decisions.
Step 4: Recommendations and Implementation
In this step, we present appropriate investment options that, once executed, are designed to work together cohesively to achieve your goals. Upon your approval, we execute each recommendation and begin to implement the wealth management strategies we’ve discussed. These often encompass risk management, as well as estate, trust and philanthropic planning.
Step 5: Ongoing Stewardship
Committed to a concierge client experience, we focus on developing a relationship that provides special value to you and your family. As we execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we’ll schedule regular calls and meetings to ensure your plan remains on track to achieving your goals.
Personalized Solutions
While the strategies we provide are broad in scope, our approach is one hundred percent individualized. We deliver the personalized attention you expect, as we build a structured plan focused on achieving your financial and legacy goals. Here is a brief overview of the solutions we offer:
Lifestyle Management
We pay particular attention to the timing of milestone events to help ensure you are prepared each step of the way. Whether you are planning for your children’s education, a comfortable retirement or the sale of your business, we develop the strategies needed to achieve your goals on schedule.
Family Finances: A Conversation GuideAsset Growth and Preservation
Asset management aims to achieve the best possible returns consistent with your level of risk. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately. We also welcome the opportunity to incorporate sustainability, environmental and social values into our process.
Financial Literacy for Any Stage of Your LifeLongevity Planning
Given extended life expectancy, we help customize allocation and distribution strategies to help you preserve assets, whether they are held at Morgan Stanley or other firms. This includes advice on 401(k) plan assets, life insurance, long-term care plans and lifetime income strategies.
Retirement Lifestyle: What Kind Do You Want?Risk Management
Life’s risks can manifest themselves in many ways – from loss of life to loss of health – and have the potential to impair the efficiency of a thoughtfully developed plan. We help address these concerns in a number or ways, ranging from insurance reviews to liquidity strategies.
Morgan Stanley Risk Platform VideoLegacy Planning
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. Coordinating with outside estate and tax professionals, we align estate planning goals with the appropriate asset titling and beneficiary designation requirements, while incorporating best practices to help enhance results.
Estate and Gift Tax VideoLocation
899 Cassatt Rd
Ste 100
Berwyn, PA 19312
US
Direct:
(610) 408-6591(610) 408-6591
Toll-Free:
(800) 233-1414(800) 233-1414
Meet The Rittenhouse Group
Phone:
(610) 408-6593(610) 408-6593
Ryan Snarski
Registered Client Service Associate, Financial Planning Specialist
Phone:
(610) 408-1955(610) 408-1955
About Sherri Magsam
Sherri began her financial services career at Morgan Stanley in 1999. Over the years, she has helped highly successful professionals and their families navigate the many complexities associated with personal finance. As a Family Wealth Advisor and founding partner of The Rittenhouse Group, she delivers a strong sense of dedication, attention to detail and exemplary planning skills, providing order and structure to complex situations. She is also firmly committed to diversity and inclusion to help ensure the needs of the clients and communities she supports are properly served. For Sherri, success is measured in terms of client well-being and goal achievement.
Throughout her career, Sherri has been dedicated to professional development. In 2017, she earned the Certified Private Wealth Advisor® certification, one of the only industry credentials designed specifically for wealth managers who advise high net-worth families. Sherri is a CERTIFIED FINANCIAL PLANNER™, a Chartered Retirement Planning Counselor℠ and earned the firm’s Family Wealth Advisor designation in 2016.
A strong believer in paying it forward, Sherri founded the Greater Philadelphia Women’s Advisory Council at Morgan Stanley in 2015. In 2017, she was nominated to represent the Mid-Atlantic Region on Morgan Stanley’s National Diversity & Inclusion Council and served as Co-Chair of its Business Development sub-committee.
Sherri graduated from Syracuse University with a B.S. degree in Finance and Economics, and was named a Division 1 Field Hockey Academic All-American. Born and raised in Chester County, PA, she proudly resides in West Chester and enjoys traveling, engaging in her community and spending time with her German Shorthaired Pointer, Mazie. Sherri is committed to health and fitness and recently developed a hobby of ballroom dancing into a deep passion and now dances competitively.
Throughout her career, Sherri has been dedicated to professional development. In 2017, she earned the Certified Private Wealth Advisor® certification, one of the only industry credentials designed specifically for wealth managers who advise high net-worth families. Sherri is a CERTIFIED FINANCIAL PLANNER™, a Chartered Retirement Planning Counselor℠ and earned the firm’s Family Wealth Advisor designation in 2016.
A strong believer in paying it forward, Sherri founded the Greater Philadelphia Women’s Advisory Council at Morgan Stanley in 2015. In 2017, she was nominated to represent the Mid-Atlantic Region on Morgan Stanley’s National Diversity & Inclusion Council and served as Co-Chair of its Business Development sub-committee.
Sherri graduated from Syracuse University with a B.S. degree in Finance and Economics, and was named a Division 1 Field Hockey Academic All-American. Born and raised in Chester County, PA, she proudly resides in West Chester and enjoys traveling, engaging in her community and spending time with her German Shorthaired Pointer, Mazie. Sherri is committed to health and fitness and recently developed a hobby of ballroom dancing into a deep passion and now dances competitively.
Securities Agent: VT, PA, FL, CA, AZ, VA, TN, IL, GA, MA, NY, NJ, TX, MI, SC, ME, DE, NC, CO, OR, MD, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278917
NMLS#: 1278917
About Michael J DiMenna
A Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®) and senior partner of The Rittenhouse Group, Michael works closely with high net worth individuals and their families to ensure they have a solid understanding of their finances and an integrated approach to managing their wealth. His results-driven approach includes strategies designed to help them simplify their financial lives, so they may enjoy their wealth and leave the legacy they desire.
An industry veteran, Michael began his career in 1976 at Butcher and Singer, a regional brokerage house in Philadelphia. Starting from the ground up, he learned every back office job – from runner to operations manager – before enrolling in the firm’s broker training program. In the 1990s, Michael spent five years in New York’s financial district as an energy futures trader with Merrill Lynch Futures. He joined the Morgan Stanley family in 2001, where he has built a successful practice, guiding clients towards the realization of their personal financial goals and professional objectives.
Michael draws upon his vast knowledge and experience to provide clients with customized portfolios and tailored advice. His approach begins with a face-to-face meeting to fully understand each client’s goals, values and circumstances. This information serves as the foundation for the development of a comprehensive plan and strategically positioned investment portfolio.
Born and raised in Philadelphia, Michael now lives in West Chester, PA where he maintains a healthy and active lifestyle that includes ballroom dancing. In addition, Michael is a volunteer, former board member and film screener for the West Chester Film Festival, an international short film event that runs three days every April.
An industry veteran, Michael began his career in 1976 at Butcher and Singer, a regional brokerage house in Philadelphia. Starting from the ground up, he learned every back office job – from runner to operations manager – before enrolling in the firm’s broker training program. In the 1990s, Michael spent five years in New York’s financial district as an energy futures trader with Merrill Lynch Futures. He joined the Morgan Stanley family in 2001, where he has built a successful practice, guiding clients towards the realization of their personal financial goals and professional objectives.
Michael draws upon his vast knowledge and experience to provide clients with customized portfolios and tailored advice. His approach begins with a face-to-face meeting to fully understand each client’s goals, values and circumstances. This information serves as the foundation for the development of a comprehensive plan and strategically positioned investment portfolio.
Born and raised in Philadelphia, Michael now lives in West Chester, PA where he maintains a healthy and active lifestyle that includes ballroom dancing. In addition, Michael is a volunteer, former board member and film screener for the West Chester Film Festival, an international short film event that runs three days every April.
Securities Agent: DE, PA, OR, ME, CA, VT, MD, MA, MI, FL, VA, NJ, GA, DC, NY, IL, TN, NC, AZ, CO, TX, SC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278829
NMLS#: 1278829
About Ryan Snarski
Ryan Snarski joined The Rittenhouse Group as a Licensed Sales Associate in April 2023. His responsibilities include onboarding new clients, processing existing client requests, resolving inquiries, handling estate needs, and preparing materials for client meetings. As a licensed associate Ryan can also execute client portfolio rebalancing and individual stock trades. On a daily basis, Ryan works with Sherri and Michael to modernize their clients’ experience via digital offerings like Morgan Stanley Online, Morgan Stanley Mobile, Digital Vault and e-authorization for client document execution.
Prior to his current role, Ryan worked in Morgan Stanley’s Private Wealth Management office in Conshohocken, PA, working with Trusts, Foundations, and large families. While Ryan was obtaining a BA in Marketing with a minor in Finance from West Chester University of Pennsylvania, he was also interning with the firm. Ryan’s many hobbies outside the office include ice hockey, golf, cooking and most recently running half and full marathons.
Prior to his current role, Ryan worked in Morgan Stanley’s Private Wealth Management office in Conshohocken, PA, working with Trusts, Foundations, and large families. While Ryan was obtaining a BA in Marketing with a minor in Finance from West Chester University of Pennsylvania, he was also interning with the firm. Ryan’s many hobbies outside the office include ice hockey, golf, cooking and most recently running half and full marathons.
Contact Sherri Magsam
Contact Michael J DiMenna
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
Fabienne Sarnecki
Private Banker
About Fabienne Sarnecki
Fabienne Sarnecki is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her 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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
NMLS#: 1879930
Wealth Management
From Our Team
2024 Global Economic Midyear Outlook
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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Ready to start a conversation? Contact The Rittenhouse 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.
3The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Alternative 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
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.
3The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Alternative 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
