Edward Rivers, CPM®, QPFC
Executive Director, Financial Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(212) 903-7751(212) 903-7751
The Rivers Group at Morgan Stanley
Direct:
(212) 903-7751(212) 903-7751
Toll-Free:
(800) 733-4793(800) 733-4793
Our Mission Statement
Serving as your family office, we are a seasoned wealth advisory practice focused on all aspects of creating and sustaining a financially successful future for you and your family.
Our Story
As a successful professional or business leader, your personal finances become more complicated as you take on more and more responsibility. At The Rivers Group at Morgan Stanley, we understand the challenges you face and the level of sophistication you expect.
We focus on what is most important to you and provide the skills, sophisticated customized strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances. Above all, we are committed to building longstanding relationships, and are proud of the fact that many of our clients have been with us since we established our practice in 2001.
We believe wealth is about more than investments and how you manage your money. It’s about your life and the people and pursuits that give your life purpose. Our comprehensive and consultative approach focuses on your full financial picture – from putting your children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy.
At The Rivers Group, we know how hard you are working to achieve your goals, and will work even harder to ensure your wealth leads to continued prosperity for you and generations to come.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
We focus on what is most important to you and provide the skills, sophisticated customized strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances. Above all, we are committed to building longstanding relationships, and are proud of the fact that many of our clients have been with us since we established our practice in 2001.
We believe wealth is about more than investments and how you manage your money. It’s about your life and the people and pursuits that give your life purpose. Our comprehensive and consultative approach focuses on your full financial picture – from putting your children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy.
At The Rivers Group, we know how hard you are working to achieve your goals, and will work even harder to ensure your wealth leads to continued prosperity for you and generations to come.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Services Include
- Alternative InvestmentsFootnote1
- Asset Management
- Business Succession PlanningFootnote2
- Cash ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Executive Financial ServicesFootnote5
- Financial PlanningFootnote6
- Fixed IncomeFootnote7
- Lending Products
- Philanthropic Services
- Professional Portfolio ManagementFootnote8
- Retirement PlanningFootnote9
- SyndicateFootnote10
- Wealth ManagementFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
Over the past 25 years, we have developed a strong and active practice. Whether our clients live in the New York Tri-State area or have moved across the country, we are able to assist them in their financial decisions.
As we begin to work together, we are confident you will come to regard us as trusted stewards of your wealth, here to help you make informed decisions on any financial challenge you face.
As we begin to work together, we are confident you will come to regard us as trusted stewards of your wealth, here to help you make informed decisions on any financial challenge you face.
We can help with:
- Approaching a life-changing event with confidence
- Saving effectively so children can attend their colleges of choice
- Planning for a successful retirement
- Minimizing taxes
- Financing a major acquisition
- Maximizing the impact of charitable contributions
- Leaving a lasting legacy
- Saving effectively so children can attend their colleges of choice
- Planning for a successful retirement
- Minimizing taxes
- Financing a major acquisition
- Maximizing the impact of charitable contributions
- Leaving a lasting legacy
Our clients include:
- Multi-generational families
- Professionals and corporate executives
- Self-made entrepreneurs
- Retirees and those planning for retirement
- Unexpected huge sum of wealth (inheritance, lottery winners, professional athletes)
- Professionals and corporate executives
- Self-made entrepreneurs
- Retirees and those planning for retirement
- Unexpected huge sum of wealth (inheritance, lottery winners, professional athletes)
Disciplined Process
The hallmark of our wealth management approach is a commitment to building customized solutions from the ground up. Our process begins by taking a 360 degree view of your wealth and your vision for the future. This leads to solutions that are not only designed to help reach specific financial targets, but are reflective of who you are and how you ultimately want to share your wealth.
Step 1: Discovery
- Listen carefully to understand your goals, dreams and what keeps you up at night
- Learn about the values that shape your decisions
- Identify any challenges unique to your situation
- Understand your financial priorities
- Learn about the values that shape your decisions
- Identify any challenges unique to your situation
- Understand your financial priorities
Step 2: Strategy and Recommendations
- Collect financial statements, tax returns and other documents
- Review your current and future financial situation
- Analyze current investment portfolio
- Develop a tailored investment plan, utilizing a breadth of world-class investments and customized portfolio models
- Review your current and future financial situation
- Analyze current investment portfolio
- Develop a tailored investment plan, utilizing a breadth of world-class investments and customized portfolio models
Step 3: Investment Meeting
- Present your plan, prioritizing activities and establishing timelines
Step 4: Implementation
- Execute your investment strategy
- Present other wealth management services, as needed
- Interface with your CPA and estate attorney to help ensure strategies are fully coordinated
- Follow up with you regularly to ensure transparency and understanding
- Present other wealth management services, as needed
- Interface with your CPA and estate attorney to help ensure strategies are fully coordinated
- Follow up with you regularly to ensure transparency and understanding
Step 5: Ongoing Service
- Set up tools to provide convenient access to your accounts
- Apply due diligence process to evaluate performance
- Schedule regular calls and meetings to review and track your progress
- Discuss changes in your life, adjusting your strategy accordingly
- Apply due diligence process to evaluate performance
- Schedule regular calls and meetings to review and track your progress
- Discuss changes in your life, adjusting your strategy accordingly
Core Values
We believe the best relationships are built on trust, understanding and shared beliefs. We are committed to the following core values that serve as the foundation of our practice.
Long-Term Relationships
Successful wealth management begins with personalized service and attention. We invite potential clients to meet with us to share their needs and expectations. We look forward to working with professionals who seek the kind of long-term, fully engaged relationships we value. The bond we form is fundamental to our mission and it is our hope that it spans generations.
A Team Approach
To gain the precise knowledge needed to manage virtually all aspects of your wealth, we work closely with your accountant and estate planning attorney. Where appropriate, we consult with our network of professionals within Morgan Stanley and across the industry to evaluate your unique challenges and devise specific recommendations.
Total Wealth Management
Retirement assets, equity compensation and insurance policies should not be managed as separate entities, but rather as vital components of your overall financial picture. As an experienced advisory team at Morgan Stanley, we are distinctively positioned to take a holistic approach to executive 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.
Giving Back
We have deep roots in our community and a deeper commitment to sustaining its character for future generations. Through a variety of collaborative efforts, we are deeply engaged in creating a better and brighter future. Our relationships with various organizations supports important initiatives, with a special emphasis on cancer research and activities that help the homeless.
ESTATE PLANNING STRATEGIES
Many of our clients have considered what they would like to happen to their assets when they pass away, but it's a subject that some of us naturally hesitate to explore. However, careful consideration of this matter can help simplify the eventual transition of your wealth. Is a simple will sufficient, or might a more comprehensive estate plan be the better course for your unique situation?
Consider the following key questions:
- Do you have significant assets outside of your IRA and primary residence?
- Would you like a set of instructions to be followed if you become incapacitated?
- Are you interested on effectively managing your assets during your lifetime while ensuring benefits for your loved ones, especially children with special needs?
- Have you given thought to the most tax-efficient strategies for transferring your wealth?
Let's explore together how we can help create a personalized plan that aligns with your goals and ease the eventual transition of your assets.
Consider the following key questions:
- Do you have significant assets outside of your IRA and primary residence?
- Would you like a set of instructions to be followed if you become incapacitated?
- Are you interested on effectively managing your assets during your lifetime while ensuring benefits for your loved ones, especially children with special needs?
- Have you given thought to the most tax-efficient strategies for transferring your wealth?
Let's explore together how we can help create a personalized plan that aligns with your goals and ease the eventual transition of your assets.
We Will Assist You With...
• Perform preliminary due diligence – review balance sheet and your existing estate planning strategies
• Objectively educate you about income tax and estate planning strategies
• Analyze planning techniques in relation to your goals
• Implement the estate plan with your tax advisor to the extent that you are comfortable
• Integrate investment and estate planning strategies - combining “asset location” with “asset allocation”
• Objectively educate you about income tax and estate planning strategies
• Analyze planning techniques in relation to your goals
• Implement the estate plan with your tax advisor to the extent that you are comfortable
• Integrate investment and estate planning strategies - combining “asset location” with “asset allocation”
Estate Planning Essentials: 7 Key Steps
Creating an estate plan can help protect your wealth and prevent hardship for your heirs.
Read MoreThe State of Your Parents' Estate
Talking with a parent about estate planning is never easy. Here are several conversation starters that can help adult children and their parents’ plan.
Read MoreLocation
55 East 52nd Street 10th
New York, NY 10055
US
Direct:
(212) 903-7751(212) 903-7751
Toll-Free:
(800) 733-4793(800) 733-4793
Meet The Rivers Group
Min Kim, QPFC
Registered Client Service Associate
Phone:
(212) 883-7705(212) 883-7705
Aidan Passannante
Registered Client Service Associate
Phone:
(212) 503-1109(212) 503-1109
About Edward Rivers
Ed brings a lifetime of experience to his role as an Executive Director, Family Wealth Director, and Portfolio Manager. For more than 25 years, he has been serving the specialized needs of financially successful individuals, multigenerational families and business owners living in the New York City area and around the country. He enjoys helping clients solve their financial challenges, delivering thoughtful and objective advice for life’s most important milestones.
Ed joined Morgan Stanley in 2001 and has been a vital member of the firm ever since. His exceptional relationship management skills enable him to understand the intricate details of each client’s personal wealth. He focuses on what is most important to each family, so he can develop a tailored plan designed to build, preserve and transition wealth. Over the years, Ed has earned a number of prestigious designations at Morgan Stanley, including Family Wealth Director, Alternative Investments Director and Portfolio Manager. These credentials place Ed in an elite category of advisors qualified to serve the sophisticated needs of executives and high net worth families.
Ed draws upon his unique investment experience to provide clients with tailored financial advice and customized portfolios. His approach begins with a face-to-face meeting to fully understand each client’s specific goals, personal values and family circumstances. This information serves as the foundation for the development of a comprehensive financial plan and asset allocation strategy that is specifically designed to weather various market conditions and business cycles.
Ed is fluent in Spanish and as a native New Yorker, he firmly believes in giving back to his community. Ed is an avid supporter of Meals on Wheels and Covenant House. He has encouraged his daughter, Bella, to join in on volunteer activities at Blythedale Children’s Hospital in Westchester. Ed resides in Bronxville, where he loves spending time with his daughters. In his spare time, he enjoys playing indoor and beach volleyball.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Ed joined Morgan Stanley in 2001 and has been a vital member of the firm ever since. His exceptional relationship management skills enable him to understand the intricate details of each client’s personal wealth. He focuses on what is most important to each family, so he can develop a tailored plan designed to build, preserve and transition wealth. Over the years, Ed has earned a number of prestigious designations at Morgan Stanley, including Family Wealth Director, Alternative Investments Director and Portfolio Manager. These credentials place Ed in an elite category of advisors qualified to serve the sophisticated needs of executives and high net worth families.
Ed draws upon his unique investment experience to provide clients with tailored financial advice and customized portfolios. His approach begins with a face-to-face meeting to fully understand each client’s specific goals, personal values and family circumstances. This information serves as the foundation for the development of a comprehensive financial plan and asset allocation strategy that is specifically designed to weather various market conditions and business cycles.
Ed is fluent in Spanish and as a native New Yorker, he firmly believes in giving back to his community. Ed is an avid supporter of Meals on Wheels and Covenant House. He has encouraged his daughter, Bella, to join in on volunteer activities at Blythedale Children’s Hospital in Westchester. Ed resides in Bronxville, where he loves spending time with his daughters. In his spare time, he enjoys playing indoor and beach volleyball.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NH, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KY, MA, MD, MI, NC, NJ, NM, NV, NY, OH, OR, PA, PR, RI, SC, TX, UT, WA, WI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1339263
NMLS#: 1339263
About Min Kim, QPFC
Min began her career in financial services at Morgan Stanley in 2022.
She brings a decade of client service experience from luxury sales management. In her previous career, she belonged to the President’s Circle Club at Hermès for her dedication to service and for achieving exceptional sales results.
Min was born in Seoul, South Korea and attended Fordham University and the Sorbonne. She has a degree in French Studies with concentration in Art History. Continuing to pursue her passion for collecting and research, she enjoys following the market and going to antique shows.
She brings a decade of client service experience from luxury sales management. In her previous career, she belonged to the President’s Circle Club at Hermès for her dedication to service and for achieving exceptional sales results.
Min was born in Seoul, South Korea and attended Fordham University and the Sorbonne. She has a degree in French Studies with concentration in Art History. Continuing to pursue her passion for collecting and research, she enjoys following the market and going to antique shows.
About Aidan Passannante
Aidan is a Registered Client Service Associate for The Rivers Group. With three years of experience in the field, Aidan provides tailored investment management and financial analysis for clients along with seamless assistance regarding any client needs.
Aidan graduated from Lafayette College with a Bachelor of Arts in Government & Law, while also being a member of the varsity soccer team. After college, Aidan moved to Philadelphia, where he played soccer professionally for the Philadelphia Fury for one year. Aidan is originally from Princeton, NJ and enjoys playing golf, reading, and spending time with family and friends.
Aidan graduated from Lafayette College with a Bachelor of Arts in Government & Law, while also being a member of the varsity soccer team. After college, Aidan moved to Philadelphia, where he played soccer professionally for the Philadelphia Fury for one year. Aidan is originally from Princeton, NJ and enjoys playing golf, reading, and spending time with family and friends.
Contact Edward Rivers
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
Tony Silva
Private Banker
Michael Catuogno
Planning Associate
About Tony Silva
Tony Silva is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.
Tony began his career in financial services in 1995 and joined Morgan Stanley in 2015 as a Pipeline Manager in our Home Loans organization. In 2017, he was promoted to Project Manager on that team. Tony assumed his current position in February, 2018. Prior to his tenure at the firm, Tony held a number of roles at mortgage financing institutions.
Tony received a Bachelor of Science in Management from Rutgers University. He and his family reside in Livingston, New Jersey.
When not at the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
Tony began his career in financial services in 1995 and joined Morgan Stanley in 2015 as a Pipeline Manager in our Home Loans organization. In 2017, he was promoted to Project Manager on that team. Tony assumed his current position in February, 2018. Prior to his tenure at the firm, Tony held a number of roles at mortgage financing institutions.
Tony received a Bachelor of Science in Management from Rutgers University. He and his family reside in Livingston, New Jersey.
When not at the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
NMLS#: 217945
About Michael Catuogno
Michael Catuogno is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Michael provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Sacred Heart University and received the Financial Planning Specialist® designation from the College for Financial Planning. Michael is originally from the Bronx, NY and currently resides in the Bronx, NY.
He earned his undergraduate degree from Sacred Heart University and received the Financial Planning Specialist® designation from the College for Financial Planning. Michael is originally from the Bronx, NY and currently resides in the Bronx, NY.
Wealth Management
Global Investment Office
Portfolio Insights
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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.
Ready to start a conversation? Contact The Rivers Group today.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
3Morgan 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
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
3Morgan 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
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
