Michael P Doumani
Executive Director, Financial Advisor, Senior Portfolio Manager
Phone:
(310) 443-0559(310) 443-0559
The Coastal Front Group at Morgan Stanley
Direct:
(310) 443-0526(310) 443-0526
Toll-Free:
(800) 648-3833(800) 648-3833
Our Mission Statement
We are fortunate to work with a select group of families helping them handle the unique challenges of financial success. We help our clients prioritize, organize, and simplify their financial matters.
Our Story and Services
As your Financial Advisors, we strive to help you define and plan your financial goals by delivering a vast array of resources that are most appropriate for how you invest and what you want to achieve. Our number one priority when working together is to help preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Professional Portfolio ManagementFootnote2
- Alternative InvestmentsFootnote3
- Financial PlanningFootnote4
- Retirement PlanningFootnote5
- Philanthropic ManagementFootnote6
- Life InsuranceFootnote7
- Cash Management and Lending ProductsFootnote8
- Estate Planning StrategiesFootnote9
- Planning for Education FundingFootnote10
- Corporate Retirement PlansFootnote11
- Trust ServicesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Uncovering your financial needs
It is imperative to understand and acknowledge our clients personal needs and financial goals for the future so that we may provide proactive and holistic management. Investing the time to learn about our clients, fostering the relationships, and understanding their risk tolerances, allows us to develop a roadmap to achieve the outcomes our clients envision.
Discover
Our relationship begins with a thorough understanding of you, your needs, your lifestyle and family, and your goals for the future.
Create
We work with you to develop a roadmap to help you achieve and protect the outcomes you envision.
Act
Next, we can help you implement investment, retirement, cash management and insurance solutions suited to your needs.
Adjust
Achieving your goals requires vigilance and flexibility. We help you monitor your progress and make adjustments as life evolves and priorities change.
Our suite of digital tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Learn More- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn More
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
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 MoreThe 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.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn MoreLocation
10960 Wilshire Blvd
Ste 2000
Los Angeles, CA 90024
US
Direct:
(310) 443-0526(310) 443-0526
Toll-Free:
(800) 648-3833(800) 648-3833
Fax:
(310) 443-0566(310) 443-0566
Meet The Coastal Front Group
Chad B MacAllister
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(310) 443-0526(310) 443-0526
Robert F Hill
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(310) 443-0533(310) 443-0533
Sandra R. Gordon, CFP
Financial Advisor, Associate Vice President
Phone:
(858) 597-7747(858) 597-7747
Clayton M. Hill
Financial Advisor, Workplace Advisor – Equity Compensation
Phone:
(310) 443-0508(310) 443-0508
Carmen L Delgado
Wealth Management Associate
Phone:
(310) 443-0582(310) 443-0582
Alice Schwartz
Portfolio Associate
Phone:
(310) 443-0552(310) 443-0552
About Michael P Doumani
Michael was born in Los Angeles and attended Harvard School and UCLA. He is married and lives in Los Angeles, where he has been a lifelong resident. Michael’s career in the securities industry began in 1963 and has continued for over 50 years. Michel is a Senior Vice President and Financial Advisor with Morgan Stanley Wealth Management and manages over $500 million* in assets for high net worth individuals. Over the course of his long-standing career, Michael has demonstrated knowledge across a broad range of wealth management areas, including traditional and alternative investments, investment and asset allocation, and hedging and monetization. Michael is driven by helping families identify and address their unique financial needs to achieve their short and long-term financial ambitions. Michael is an active member of the Los Angeles Country Club and The Valley Club in Montecito, California. His hobbies include reading, golf and enjoying time with family and friends.
*As of June 2021
Professional Details:
• Fully Licensed Investment Professional for More Than 45 Years
• Implements Wealth Management Strategies for Clients by Concentrating on Portfolio Management
• Experienced in Equity Research, Portfolio Hedging Strategies and New Business Planning Development
• Series 7, 63 & 66 Licensed
*As of June 2021
Professional Details:
• Fully Licensed Investment Professional for More Than 45 Years
• Implements Wealth Management Strategies for Clients by Concentrating on Portfolio Management
• Experienced in Equity Research, Portfolio Hedging Strategies and New Business Planning Development
• Series 7, 63 & 66 Licensed
Securities Agent: NY, AZ, WA, WY, HI, TX, NV, NM, NJ, NC, CO, CA, TN, OR, OH, CT, MA, GA, VA, UT, PA, MT, IA, FL, SC, MD, IL, ID, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1372311
NMLS#: 1372311
About Chad B MacAllister
Chad lives in Palos Verdes Estates with his wife, Annie, and two children, Vincent and Lucas. Chad has over 15 years of experience in the securities industry, starting his career at Second Southern Corp., a multi-corporate venture capital and real estate organization. While at Second Southern Corp., he assisted in evaluating investment opportunities in public securities, real estate, oil and gas. Chad was later hired by UBS Financial Services in 2003 and is co-founder of a multidisciplinary investment management team, RJC Group, now doing business as The Coastal Front Group. He is an equal partner, adding a focus on portfolio management and asset allocation. The Coastal Front Group left UBS Financial Services in 2009 to join Morgan Stanley Smith Barney where they reside today. Chad recently was titled with Senior Portfolio Management Director which represents the top level of achievement and investment knowledge respected throughout the industry. Chad is apart of the Business Owners Executive Council at Morgan Stanley, a distinction granted to top producers focusing on business owners at the firm. Chad is driven by helping families and individuals reach new levels of success through a personalized approach to portfolio management and financial planning. In Chad’s spare time, he enjoys being heavily active in his kid’s sports activities, serving as Lucas’ Baseball and Soccer coach for many years and managing Vincent’s Tennis tournaments across Southern California. Chad currently sits on the Palos Verdes Little League Board of Directors, Malaga Cove Homeowners Association Board of Directors, PVE Foundation Board of Directors and Southern California Tennis Associations Investment Committee. Chad has served in numerous capacities across his community having recently been President of the Palos Verdes Tennis Club and serving as advisor to several Autism outreach groups. Chad graduated from the University of San Diego with a double major in Economics and Environmental Studies. During his time at USD, Chad was a member of the Omicron Delta Epsilon Economics Honor Society and served as President of the Omicron Delta Epsilon Economics Club.
Professional Details:
• Licensed Investment Professional for over 15 Years
• Works with Clients to Determine Appropriate Asset Allocation and Portfolio Structure
• Experienced in Equity, Fixed Income and Hedge Fund Strategies
• Series 7, 31 & 63 Licensed
• Insurance Licensed
• Life, Health & Annuity Insurance Licensed
Professional Details:
• Licensed Investment Professional for over 15 Years
• Works with Clients to Determine Appropriate Asset Allocation and Portfolio Structure
• Experienced in Equity, Fixed Income and Hedge Fund Strategies
• Series 7, 31 & 63 Licensed
• Insurance Licensed
• Life, Health & Annuity Insurance Licensed
Securities Agent: MT, CT, CO, CA, MD, MA, GA, TX, OR, NY, NV, HI, PA, IL, ID, TN, WA, NJ, MO, FL, AZ, VA, NC, OH, IA, WY, WI, UT, SC, NM; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275614
NMLS#: 1275614
About Robert F Hill
Bobby lives in Pacific Palisades with his wife and their beloved dog Kiki. In their spare time, they enjoy being active by hiking, golfing, and playing volleyball at the beach. Bobby holds a bachelor’s degree in Business Administration from the University of Pepperdine. He began his career in the securities industry at Bateman Eichler Hill Richards, an Investment Bank based out of Downtown Los Angeles. During his time at Bateman Eichler Hill Richards, Bobby served as a broker and relationship manager. Bobby later went to work at Paine Weber & Co., which was acquired by UBS Financial Services in 2000. While at UBS, Bobby co-founded a multidisciplinary investment management team, formerly RJC Group, now doing business as The Coastal Front Group. He is an equal partner, adding a focus on relationships, client development, and fixed income. The RJC Group, left UBS Financial Services in 2009 to join Morgan Stanley Smith Barney where they reside today. Bobby is dedicated to providing prudent financial advice and the highest levels of customer service to the clients and families that he works with. In his over 40 years of experience, Bobby has come to find and cherish that many of his business relationships have originated from friendships made across many states and countries.
Professional Details:
• Licensed Investment Professional for Over 40 Years
• Bobby Prides Himself on Understanding Goals, Values and Estate Issues of Clients as well as the Portfolio Management of Taxable Fixed Income
• Series 7 & 63 Licensed
• Insurance Licensed
• Life, Health & Annuity Insurance Licensed
Professional Details:
• Licensed Investment Professional for Over 40 Years
• Bobby Prides Himself on Understanding Goals, Values and Estate Issues of Clients as well as the Portfolio Management of Taxable Fixed Income
• Series 7 & 63 Licensed
• Insurance Licensed
• Life, Health & Annuity Insurance Licensed
Securities Agent: NJ, WI, NY, MA, GA, PA, OR, NC, AZ, WY, WA, IL, CT, SC, IA, UT, OH, MT, MD, ID, HI, VA, TN, NV, NE, MO, TX, CA, FL, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1253228
NMLS#: 1253228
About Sandra R. Gordon
Sandra lives in San Diego with her husband Clint, and their fur child, Otto. Sandra graduated from San Diego State University with a major in Business Administration with an emphasis in Finance. During her time at SDSU she served as a two term VP of Finance for the Alpha Phi Sorority. Sandra comes to the financial services industry with a prior background in taxation, where she worked at a tax accounting firm producing complex tax returns for individuals and business owners. As a strong believer in continuing education and cutting-edge knowledge, she has added to her skillset over her decade at the firm by acquiring an Executive Financial Planning Certificate from San Diego State University, has become a Portfolio Manager, Financial Planning Specialist, Workplace Advisor – Equity Compensation Specialist, and is a long-time CERTIFIED FINANCIAL PLANNER™. When not working you can find her at the beach, on a camping trip, or out and about with her fur son, Otto. Currently the newlyweds are renovating their forever home in San Diego. Sandra has served in numerous roles as a coach and advisor for her collegiate sorority at SDSU and continues to serve as the HOA President for her beach condo complex.
Professional Details:
• Licensed Investment Professional since 2012
• CERTIFIED FINANCIAL PLANNER™
• Portfolio Manager
• Workplace Advisor – Equity Compensation
• Financial Planning Specialist
• Life, Health & Annuity Insurance Licensed
• NMLS 1290595
Professional Details:
• Licensed Investment Professional since 2012
• CERTIFIED FINANCIAL PLANNER™
• Portfolio Manager
• Workplace Advisor – Equity Compensation
• Financial Planning Specialist
• Life, Health & Annuity Insurance Licensed
• NMLS 1290595
Securities Agent: TX, GA, UT, NV, ID, CT, VA, PA, DC, MT, MO, IL, WY, WA, SC, HI, AZ, AK, NJ, MD, MA, FL, CA, KS, NY, NC, MN, TN, OR, CO, WI, IA; General Securities Representative; Investment Advisor Representative
About Clayton M. Hill
Clayton joined The Coastal Front Group in 2021 and works closely with Chad MacAllister and Carmen Delgado. He is a Pepperdine alumnus and holds a degree in Political Science with an emphasis on International Relations. During his last two years at Pepperdine, he worked in residential real estate which led him to pursue a career in commercial real estate before joining Morgan Stanley. Clayton has an affinity for fostering and maintaining lasting relationships, old and new. At an early age, Clayton demonstrated leadership skills when he earned his Eagle Scout ranking before the age of 17. When he is not working, he enjoys golfing, beach volleyball, skiing and reading. In addition, Clayton strives to consistently demonstrate grit, diligence, and tenacity in his professional career.
Professional details:
• Series 7, 66, & SIE Licensed
• NMLS: 2380607
Professional details:
• Series 7, 66, & SIE Licensed
• NMLS: 2380607
About Carmen L Delgado
Growing up in Los Angeles, Carmen lives in Santa Clarita with her husband, Noel, and twins, Roman and Olivia. Outside of the office, Carmen enjoys spending time and entertaining family and friends. Drawing on nearly 16 years of industry experience, Carmen is committed to providing every client with the highest level of personal service, she focuses on exceeding client expectations. Carmen strives to ensure a stress-free experience for clients by creating streamlined processes and leading a coordinated effort amongst the team. Carmen provides support to the team by maintaining and strengthening strong client relationships. As the administrative leader for the team, she is responsible for a broad array of client services, including the handling of estate issues, retitling assets, executes trades for transactional clients, and helps to prepare the Quarterly Performance Reports. She maintains her Series 7, 66 and 31 securities licenses.
Professional details:
• 16 Years of Industry Experience
• Series 7, 66, & 31 Licensed
Professional details:
• 16 Years of Industry Experience
• Series 7, 66, & 31 Licensed
About Alice Schwartz
Alice has worked in various capacities in the Financial Services industry with more than 35 year experience.
She received her BA in French Literature from UCLA and holds series 7, 63 and 64 securities registrations.
She enjoys dance and continues to take ballet classes. Alice is married and enjoys spending time with family.
She received her BA in French Literature from UCLA and holds series 7, 63 and 64 securities registrations.
She enjoys dance and continues to take ballet classes. Alice is married and enjoys spending time with family.
Contact Michael P Doumani
Contact Chad B MacAllister
Contact Robert F Hill
Wealth Management
Global Investment Office
Portfolio Insights
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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
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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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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 Coastal Front Group today.
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’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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Morgan 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.
10When 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.
11When 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.
12Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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’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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Morgan 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.
10When 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.
11When 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.
12Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
