Peter T Blanchard, CRPC®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director
Phone:
(781) 681-4918(781) 681-4918
The Riverstone Group at Morgan Stanley
Direct:
(781) 681-4900(781) 681-4900
Toll-Free:
(800) 326-5951(800) 326-5951
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
The Riverstone Group is proud to have been named one of Forbes Best-In-State Wealth Management Teams for 2023 and 2024
Working to develop a nuanced understanding of your family’s unique goals, challenges and preferences, we help you create, implement and maintain a truly comprehensive wealth management plan that touches every aspect of your financial life. We follow a highly disciplined process that helps us anticipate your needs, refine your strategies, and realign your assets to keep pace with changes in your life. Consistent with our conviction that the first duty of a Financial Advisor is to guard client assets, we assume the responsibility of overseeing and managing the complete portfolio for our clients.
By structuring your wealth and customizing solutions based solely on an objective view of your needs, we manage your investments with an unwavering focus on your financial strategy and personal goals. Our ability to simplify financial complexity to help you achieve clarity and control serves to align your strategy with the values that have shaped your life and constitute the core of your legacy.
One of fewer than 300 Financial Advisors designated as a Morgan Stanley Family Wealth Director, we provide our clients with access to a full suite of financial planning, investment management and family advisory services, ranging from financial, estate, and philanthropy planning to sophisticated investment strategies to the most vital task of preparing your heirs to carry your legacy forward. Our goal is to help families like yours maintain unity as you preserve wealth across generations
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024) Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
By structuring your wealth and customizing solutions based solely on an objective view of your needs, we manage your investments with an unwavering focus on your financial strategy and personal goals. Our ability to simplify financial complexity to help you achieve clarity and control serves to align your strategy with the values that have shaped your life and constitute the core of your legacy.
One of fewer than 300 Financial Advisors designated as a Morgan Stanley Family Wealth Director, we provide our clients with access to a full suite of financial planning, investment management and family advisory services, ranging from financial, estate, and philanthropy planning to sophisticated investment strategies to the most vital task of preparing your heirs to carry your legacy forward. Our goal is to help families like yours maintain unity as you preserve wealth across generations
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024) Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Services Include
- Wealth ManagementFootnote1
- Estate Planning StrategiesFootnote2
- Business Succession PlanningFootnote3
- Executive Financial ServicesFootnote4
- Trust Services*
- Financial PlanningFootnote5
- Philanthropic Services
- Professional Portfolio ManagementFootnote6
- Alternative InvestmentsFootnote7
- Sustainable InvestingFootnote8
- Cash Management and Lending ProductsFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Customized Services
We provide personalized solutions to help meet your needs and goals.
Wealth Management
At Morgan Stanley Wealth Management, our exclusive access to vast resources combined with our unique capabilities gives us the means to support your goals at every life stage. We provide a range of solutions personalized to you, no matter your starting point or preferred investing approach. We understand that as family or institutional wealth increases, the implementation of investment strategies becomes increasingly complex and portfolios require close monitoring to remain within intended parameters.
Financial, Estate, and Retirement Planning
We're here to help manage financial decisions by offering knowledge and thoughtful guidance. As your life evolves, so do your goals; our approach allows you to look across your assets and liabilities to help you adapt your strategy to meet those changing demands. Whether it is saving for retirement and other expenses, securing retirement income, healthcare planning, taxes, education, or legacy planning, we’re here for you. We coordinate with your estate and tax professionals to align your goals with the appropriate strategies, asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Learn More About Our Goals Planning System
Risk Analysis
We take a holistic approach to managing your finances by identifying risk outliers and understanding the impact of market scenarios. We leverage Morgan Stanley’s Portfolio Risk Platform and the risk analytics integrated into their proprietary platform applications to leverage dynamic risk insights across thousands of risk factors. We will instantly analyze an entire portfolio, including assets held elsewhere, which helps identify and mitigate your risk.
Introducing the New Portfolio Risk Platform
Portfolio Management
We study investment trends and leverage the global resources of the firm to help you develop a tailored investment strategy. We’ll develop a customized portfolio to meet your requirements for growth, income and wealth conservation within your risk constraints. Our experience, training and investment philosophy provide guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your long-term goals in view.
Alternative Investments
Morgan Stanley Investment Management is a provider of alternative investment strategies with knowledge and experience that spans across private equity, private credit, hedge funds, real estate, infrastructure and managed futures markets. We are here to deliver exceptional portfolios and custom alternative investment programs.
Learn More About Our Alternative Investments Offerings
Lending
High Net Worth Lending can help provide the necessary funding and flexibility as you manage the diversification and expansion of your wealth. Our Lending team can suggest customized borrowing options designed to help meet your distinct needs.
Helping to Protect Your Assets. Simplifying Your Life.
Guided Access to Comprehensive Capabilities
As a Morgan Stanley Family Wealth Director, we provide access to the full complement of products, services and experience you need to address any and every aspect of your financial life. From the most basic record-keeping tasks to the most sophisticated investment strategies to the most vital task of preparing your heirs to carry your legacy forward … whatever you need to manage your financial affairs, we can either provide it or connect you with someone who can. Here's our process and clients:
• Highly accomplished people who often face unusually complex financial issues.
• Affluent people who want to protect what they have earned.
• Entrepreneurs and executives who are the first generation of their families to achieve significant wealth.
• Individuals on the verge of a major liquidity event.
• We help them all develop and implement highly customized, multigenerational strategies to pursue their ambitions and support the people, causes and aspirations that enrich their lives.
As a Morgan Stanley Family Wealth Director, we provide access to the full complement of products, services and experience you need to address any and every aspect of your financial life. From the most basic record-keeping tasks to the most sophisticated investment strategies to the most vital task of preparing your heirs to carry your legacy forward … whatever you need to manage your financial affairs, we can either provide it or connect you with someone who can. Here's our process and clients:
• Highly accomplished people who often face unusually complex financial issues.
• Affluent people who want to protect what they have earned.
• Entrepreneurs and executives who are the first generation of their families to achieve significant wealth.
• Individuals on the verge of a major liquidity event.
• We help them all develop and implement highly customized, multigenerational strategies to pursue their ambitions and support the people, causes and aspirations that enrich their lives.
Discovery
We begin by learning about you, your family and the financial challenges and opportunities you face. This gives us the direction for specific solution, and of equal importance, it helps us customize the entire relationship to your preferences and requirements.
Formulation of Tax, Trust and Estate Strategy
After reviewing your balance sheet and existing estate plan, we analyze your income and estate tax circumstances, and then work with your tax and legal advisors to identify planning techniques based
on the aspirations, concerns and goals you have for your family and the philanthropic institutions you support.
on the aspirations, concerns and goals you have for your family and the philanthropic institutions you support.
Development of an Investment Policy Plan
We evaluate the cost of your lifestyle against the scope of your assets to calculate sustainability projections. This helps us develop a strategic asset allocation that reflects risk, opportunities and taxation across all ownership entities while integrating your investment and estate plans. Your asset allocation becomes the basis for a long-term strategy, formalized in your investment policy.
Integration of Tactical Asset Allocation
We will recommend short-term adjustments in your asset mix, seeking to take advantage of opportunities created by temporary market movements. We work with your outside tax advisors to carefully analyze the potential impact of any taxes or expenses on potential returns.
Ongoing Assessment of Wealth Management Needs
We’ll help you coordinate the efforts of all of your outside advisors, conducting ongoing reviews and comprehensive reporting to make sure that your wealth management strategy keeps pace with your changing needs.
Day-to-Day Administration
We take on the mundane, yet vitally important, chores of keeping your records straight and responding quickly and competently to all of your service requests.
Our Suite of Digital Tools
We use Morgan Stanley's Wealth Management tools to allow for a more in-depth view of a client's financial picture to be taken, resulting in better service and more well-rounded advice.
Morgan Stanley Online
You investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App. Includes:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Sign Up For MSO- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App. The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More About Total Wealth View
Portfolio Risk Platforms - Powered by Aladdin
Portfolio Risk Platform is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn How We Mitigate Risk For Our Clients
Goals Planning System
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals. Contact the Riverstone Group at Morgan Stanley to start the conversation.
Learn More About GPS
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital Vault
Data Security
At Morgan Stanley, our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
Learn More About Our Data SecurityInvestor Resources
We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
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 Episode
GIC Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On the Markets
Investing With Impact
Our Investing with Impact Platform offers a diverse range of funds and other investments designed to advance environmental, economic and social goals — while striving for competitive performance. We make it easy to craft an investment portfolio of any size that is tailored to meet the impact goals of your choice.
Equity Comp and US Fed Taxes
Equity compensation can be one of the most valuable benefits offered by your company, but it’s important to understand how it works—and how it’s taxed. Here’s what you need to know.
Read More Here
Historical Context Around Corrections
Trying to avoid the worst market days could mean missing the best ones. Read more about mistakes investors can make amid turbulent market conditions and how to go beyond short-term thinking.
Learn More
2023 Federal Tax Tables
The 2023 Federal Tax Tables can assist you in making your investment decisions. Click on the link below to view the tables.
View Tax TablesLocation
141 Longwater Drive
Ste 102
Norwell, MA 02061
US
Direct:
(781) 681-4900(781) 681-4900
Toll-Free:
(800) 326-5951(800) 326-5951
Meet The Riverstone Group
Gary D Scheid, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Executive Financial Services Director, Senior Portfolio Manager
Phone:
(781) 681-4955(781) 681-4955
Joanne L Mills
Portfolio Associate, Financial Planning Specialist
Phone:
(781) 681-4952(781) 681-4952
About Peter T Blanchard
Drawing on over four decades of experience, Peter develops and implements highly customized financial plans for an exceptional group of affluent families. Peter combines his own experience with Morgan Stanley’s global network of analysts, traders, money managers and technical professionals to deliver personalized solutions to the Riverstone Group’s clients.
Peter joined Morgan Stanley in 1992 and has been steadily expanding the range of services he is able to offer his clients ever since. He was named one of Forbes' Best-In-State Wealth Advisors for 2022 and is a Morgan Stanley Family Wealth Director, a designation reserved for a select group of Financial Advisors who have successfully completed a rigorous accreditation program. His training spans the broad range of disciplines needed to create comprehensive wealth management plans for high-net-worth individuals and their families.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Peter joined Morgan Stanley in 1992 and has been steadily expanding the range of services he is able to offer his clients ever since. He was named one of Forbes' Best-In-State Wealth Advisors for 2022 and is a Morgan Stanley Family Wealth Director, a designation reserved for a select group of Financial Advisors who have successfully completed a rigorous accreditation program. His training spans the broad range of disciplines needed to create comprehensive wealth management plans for high-net-worth individuals and their families.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Securities Agent: AZ, WA, PR, OR, TN, RI, NH, CO, WV, NM, MI, CA, TX, NJ, MA, KS, IL, GA, ME, AL, NY, NC, DE, WI, UT, OH, FL, AR, VT, PA, MD, VA, SC, NV, HI, DC, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1288030
NMLS#: 1288030
About Gary D Scheid
Gary works closely with the Group’s clients to develop and implement strategies designed to help preserve capital while addressing an extensive range of financial needs. These include highly customized solutions to diversify concentrated equity positions, manage risk and develop multigenerational wealth transfer plans. Providing access to Morgan Stanley’s global network of economists, strategists and research analysts, Gary helps his clients seek out opportunity and mitigate risk.
Gary earned his CERTIFIED FINANCIAL PLANNER™ designation and has been named an Executive Financial Services Director working with affiliates, insiders, control and restricted positions, and options. His training spans a broad range of disciplines to create comprehensive wealth management plans for ultra high net worth individuals and families.
Gary earned his CERTIFIED FINANCIAL PLANNER™ designation and has been named an Executive Financial Services Director working with affiliates, insiders, control and restricted positions, and options. His training spans a broad range of disciplines to create comprehensive wealth management plans for ultra high net worth individuals and families.
Securities Agent: TN, SC, AZ, WV, CT, UT, TX, MD, CO, GA, CA, PA, NH, ME, AL, WA, OR, NY, NJ, MI, MA, DE, VT, VA, NM, KS, OH, NC, IL, HI, RI, PR, NV, FL, DC, AR, WI; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 913342
NMLS#: 913342
About Joanne L Mills
As a Financial Planning Specialist, Joanne is versed in the fundamentals of wealth management for high net worth individuals. She is responsible for overseeing the Group's administrative and operational activities, developing, communicating and implementing procedures to meet the logistical and administrative needs of clients and team members. These duties include account documentation, transaction reconciliation, statement adjustments, check and stock transfer requests and cost basis information. She is also available for general inquiries, provides account information and helps to create an outstanding overall service experience.
Contact Peter T Blanchard
Contact Gary D Scheid
Wealth Management
From Our Team
The Riverstone Group Brochure
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Riverstone 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
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.
8The 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.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
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.
8The 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.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
