Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Alternative Investments Director, Family Wealth Director, Lending Specialist
Phone:
(212) 893-6519(212) 893-6519
The Rockbridge Group at Morgan Stanley
Direct:
(212) 893-6355(212) 893-6355
Toll-Free:
(800) 223-0272(800) 223-0272
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As a Family Wealth Director team, we are designated Morgan Stanley financial professionals, who believe that you - as one of our most important clients - are entitled to a different kind of working relationship with the firm. We bring the experience and influence of specialized ultra-high net worth resources and strategies to our most valued clients.
Our team delivers a process that features investment consulting, advanced planning, and relationship management that are specifically tailored to your needs. Your financial life requires the broadest possible scope of knowledge and together, we will explore a broad range of topics that are likely to influence your financial future. We work with you to create a roadmap that you can follow with confidence to help you achieve the future you envision.
Our team delivers a process that features investment consulting, advanced planning, and relationship management that are specifically tailored to your needs. Your financial life requires the broadest possible scope of knowledge and together, we will explore a broad range of topics that are likely to influence your financial future. We work with you to create a roadmap that you can follow with confidence to help you achieve the future you envision.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Resources for Select Investors
You may have heard the urban legend that our loved ones die twice - once when they pass away and once when they are forgotten. It is up to us to promote the legacy of our ancestors when they are no longer here to do it themselves. Their hard work, love, and value to posterity is something that is worth reciprocating. In following their example, we not only trace their footsteps, but also blaze our own trail.
Morgan Stanley offers a plethora of tools that can help solidify your family legacy - past, present, and future:
Morgan Stanley offers a plethora of tools that can help solidify your family legacy - past, present, and future:
Family Office Resources
Reflecting on how the most successful families create and maintain enduring legacies across multiple generations, Morgan Stanley Family Office Resources (FOR) is structured to help clients define a guiding vision, translate that vision into effective strategies and implement those strategies by calling on the tactical expertise of experienced experts. Accessed by Morgan Stanley advisors through UHNW Client Specialists, our capabilities span three complementary areas of focus: Governance & Legacy, Wealth Strategies and Signature Access.
Learn more about Family Office Resources
Philanthropy
The Morgan Stanley GIFT Cures program was established to provide an opportunity for philanthropists to combine their resources to magnify the impact of their medically related giving, whether they wish to focus on a specific disease or donate across a broader spectrum. It is an opportunity for donors interested in becoming part of a donor community, learning about best practices in giving to drug research and discovering the issues related to bringing drug therapies to market.
Learn more about the GIFT Cures Program
Lifestyle Advisory
Your family history is a crucial part of the person you have become, in more ways than you can imagine. Learning about these familial ties is a fascinating experience that can often shine a spotlight on your past and serve as a guiding light for your future. Morgan Stanley can give you access to various genealogical resources to help bring your family history to life.
Art Resources Team
Morgan Stanley has an Art Resources Team (ART), which has the goal of showing clients how they can address the unique challenges of art as an asset and create bespoke solutions for every client and collection. The team has recently begun the publication of a newsletter, with the goal of keeping readers up-to-date on the connections between art and the markets.
Click here to access the ART Newsletter
Outsourced Chief Investment Office
High-end clients with investable assets of at least of $25 million dollars have access to our Outsourced Chief Investment Office (OCIO).
The OCIO is a complete fiduciary solution for clients looking for a full-discretion investment management model.
This service facilitates the delegation of fiduciary responsibilities providing tailored portfolio solutions including:
• Investment expertise
• Adherence to policy statement and regulatory requirements
• Portfolio construction
• Disciplined execution and implementation
• Sophisticated risk management techniques and methods
• Investment platform access
• Cost efficiencies
The OCIO is a complete fiduciary solution for clients looking for a full-discretion investment management model.
This service facilitates the delegation of fiduciary responsibilities providing tailored portfolio solutions including:
• Investment expertise
• Adherence to policy statement and regulatory requirements
• Portfolio construction
• Disciplined execution and implementation
• Sophisticated risk management techniques and methods
• Investment platform access
• Cost efficiencies
Location
399 Park Ave
12th Fl
New York, NY 10022
US
Direct:
(212) 893-6355(212) 893-6355
Toll-Free:
(800) 223-0272(800) 223-0272
Meet The Rockbridge Group
Senior Vice President, Financial Advisor, Executive Financial Services Director, Corporate Retirement Director
Phone:
(212) 893-6355(212) 893-6355
Phone:
(212) 893-6431(212) 893-6431
Phone:
(212) 893-6403(212) 893-6403
Colleen Crowley
Vice President & Director of Business Strategy, Registered Client Service Associate
Phone:
(212) 893-6319(212) 893-6319
Steven Chin
Client Service Associate
Phone:
(212) 893-6396(212) 893-6396
Adam Meliani
Wealth Management Analyst
Phone:
(212) 893-6556(212) 893-6556
About Mark Ira Miller
Mark Miller is a Managing Director and Senior Partner of the RockBridge Wealth Management Group. Mark is responsible for scoping the direction of our investment solutions and navigating the complexities of each client’s personal needs and objectives. His approach embraces both internal and external resources to create a bespoke asset management strategy focused on achieving our clients’ goals in a manner most appropriate to each individual. He has been recognized by Forbes Magazine’s list of Best in State Wealth Managers in 2018, 2019, 2020, 2021, 2022, & 2023.
Mark’s background in financial services dates back to 1989. He is a former member of the New York Mercantile Exchange as well as a former member of the American Stock Exchange where he managed an equity derivatives book financed by Bear Sterns.
During his time at Morgan Stanley, Mark has achieved various accolades including Family Wealth Director, a deep intensive training on various multigenerational wealth issues, as well as Alternative Investment Director, a niche group of advisors working closely with hedge fund and private equity solutions. These and other achievements allow Mark proprietary access to solutions and services not otherwise broadly available throughout the firm, helping him deliver a more impactful investment experience.
Mark lives in Scarsdale with his wife Kim and 2 children.
2018, 2019, 2020, 2021, 2022, & 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Mark’s background in financial services dates back to 1989. He is a former member of the New York Mercantile Exchange as well as a former member of the American Stock Exchange where he managed an equity derivatives book financed by Bear Sterns.
During his time at Morgan Stanley, Mark has achieved various accolades including Family Wealth Director, a deep intensive training on various multigenerational wealth issues, as well as Alternative Investment Director, a niche group of advisors working closely with hedge fund and private equity solutions. These and other achievements allow Mark proprietary access to solutions and services not otherwise broadly available throughout the firm, helping him deliver a more impactful investment experience.
Mark lives in Scarsdale with his wife Kim and 2 children.
2018, 2019, 2020, 2021, 2022, & 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: DE, AZ, FL, GA, CT, IL, IN, MA, MD, CO, MI, MN, MT, NC, NH, NJ, NM, NV, CA, NY, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, AL, DC; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279589
NMLS#: 1279589
About Brian Sisto
Brian Sisto is a Senior Vice President and Senior Partner of the RockBridge Wealth Management Group. He is responsible for bringing together Morgan Stanley’s vast Corporate Retirement, Investment Banking, Portfolio Management and Wealth Planning resources on behalf of the Team’s clients.
Since joining the firm in 2004, Brian has earned numerous recognitions and honors including being named to Forbes Magazine's list of America's Top Next Generation Wealth Advisors, President’s Council 2009, the Master’s Club 2010 and the Morgan Stanley Pacesetter’s awards for all eligible years (2011-2014). He serves as the Financial Advisor Coach for the 399 Park Ave branch. In this role, he is tasked with training and mentoring the firm’s new recruits.
Brian has been appointed as an Executive Financial Services Director, which recognizes a select group of Morgan Stanley Advisors that specialize in working with Corporate Executives including navigating the complex rules and practices concerning stock options and restricted shares.
He currently resides in Austin, TX with his wife Jessica and their two children.
2017, 2022 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Weatlh Advisors)
Source: Forbes.com (Awarded 2017, 2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Since joining the firm in 2004, Brian has earned numerous recognitions and honors including being named to Forbes Magazine's list of America's Top Next Generation Wealth Advisors, President’s Council 2009, the Master’s Club 2010 and the Morgan Stanley Pacesetter’s awards for all eligible years (2011-2014). He serves as the Financial Advisor Coach for the 399 Park Ave branch. In this role, he is tasked with training and mentoring the firm’s new recruits.
Brian has been appointed as an Executive Financial Services Director, which recognizes a select group of Morgan Stanley Advisors that specialize in working with Corporate Executives including navigating the complex rules and practices concerning stock options and restricted shares.
He currently resides in Austin, TX with his wife Jessica and their two children.
2017, 2022 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Weatlh Advisors)
Source: Forbes.com (Awarded 2017, 2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: NY, IA, VA, TX, NH, DE, WA, MT, MD, MA, CA, VT, NM, AL, UT, DC, CO, FL, IL, AZ, WI, NV, NJ, NC, MI, TN, PA, OR, IN, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285085
NMLS#: 1285085
About John B. Coyne
John is a Senior Vice-President and Senior Partner of the RockBridge Wealth Management Group. John utilizes his forty years of industry experience to take a long-term view of portfolio management. John focuses on Growth and Income Equity portfolio’s to help clients achieve their financial goals.
After graduating from the Mendoza School of Business at the University of Notre Dame in 1978, John began his career in the intensive EF Hutton training program in 1981. In 1990, after EF Hutton was merged with Shearson Lehman, John left the firm in order to pursue the opportunity to join Smith Barney and work with Sandy Weil and Jamie Dimon. He has remained with the firm throughout its conversion to Morgan Stanley.
John’s time spent in New York’s financial services industry has provided him with an extensive network of industry experts and specialists that he uses to enhance the service client’s can expect.
John lives in New York City with his wife and two sons. He has been an active member at the New York Athletic Club for 35 years.
After graduating from the Mendoza School of Business at the University of Notre Dame in 1978, John began his career in the intensive EF Hutton training program in 1981. In 1990, after EF Hutton was merged with Shearson Lehman, John left the firm in order to pursue the opportunity to join Smith Barney and work with Sandy Weil and Jamie Dimon. He has remained with the firm throughout its conversion to Morgan Stanley.
John’s time spent in New York’s financial services industry has provided him with an extensive network of industry experts and specialists that he uses to enhance the service client’s can expect.
John lives in New York City with his wife and two sons. He has been an active member at the New York Athletic Club for 35 years.
Securities Agent: NM, TN, VT, WI, MI, NH, OH, WA, VA, UT, TX, SC, PA, OR, NY, NV, NJ, NC, MT, MS, MD, MA, IN, IL, GA, FL, DE, DC, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288392
NMLS#: 1288392
About Evan Malik
Evan Malik is a finance professional with over thirty years of experience in the financial markets. He currently serves at Morgan Stanley Private Wealth Management overseeing his clients’ investments and formulating strategies for their lending, trust, estate planning, and philanthropic needs.
Evan began his career at Donaldson, Lufkin & Jenrette in their Fixed Income Division. Prior to joining Morgan Stanley in 2016, he further developed his skills at UBS, Greenwich Capital Markets, BNP Paribas, and Royal Bank of Canada, where he consistently ranked as an annual top producer. In addition, he held various management and executive committee positions and served on the board of Braver Stern Securities, where he raised equity capital transforming the retail operation into an institutional broker dealer.
Evan received a B.A. degree from Colgate University. He devotes his free time supporting his community at the New York Food Bank and Stanley Isaacs Center where he prepares food for low-income families and the home-bound elderly. Additionally, Evan is passionate about his philanthropic efforts for the advancement of children’s eye care, having lost sight in his left eye at an early age.
A native New Yorker, Evan resides in Manhattan with his two children and enjoys cooking, skiing, and playing backgammon.
Evan began his career at Donaldson, Lufkin & Jenrette in their Fixed Income Division. Prior to joining Morgan Stanley in 2016, he further developed his skills at UBS, Greenwich Capital Markets, BNP Paribas, and Royal Bank of Canada, where he consistently ranked as an annual top producer. In addition, he held various management and executive committee positions and served on the board of Braver Stern Securities, where he raised equity capital transforming the retail operation into an institutional broker dealer.
Evan received a B.A. degree from Colgate University. He devotes his free time supporting his community at the New York Food Bank and Stanley Isaacs Center where he prepares food for low-income families and the home-bound elderly. Additionally, Evan is passionate about his philanthropic efforts for the advancement of children’s eye care, having lost sight in his left eye at an early age.
A native New Yorker, Evan resides in Manhattan with his two children and enjoys cooking, skiing, and playing backgammon.
Securities Agent: GA, IL, IN, LA, MA, MD, MI, MN, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WY, ID, AL, AZ, CA, CO, CT, DC, DE, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1554855
NMLS#: 1554855
About Colleen Crowley
As a Vice President & Director of Business Strategy with the Rockbridge Group, Colleen is one of the primary points of contact for clients and supports the team in a variety of matters, including new client onboarding.
Her primary focus is maintaining and cultivating existing client relationships as well as being responsible for ensuring all of Morgan Stanley’s resources are available to our clients.
Before Joining Morgan Stanley, Colleen attended St. John’s University and graduated with a Bachelors of Art and Bachelors of Science degree.
Colleen joined Morgan Stanley in 2010 and joined the Rockbridge group in 2012 and also maintains her securities licenses Series 7 and 66.
In June of 2018, Colleen married her husband Charles and they currently live in Staten Island, New York with their daughter Hannah.
Her primary focus is maintaining and cultivating existing client relationships as well as being responsible for ensuring all of Morgan Stanley’s resources are available to our clients.
Before Joining Morgan Stanley, Colleen attended St. John’s University and graduated with a Bachelors of Art and Bachelors of Science degree.
Colleen joined Morgan Stanley in 2010 and joined the Rockbridge group in 2012 and also maintains her securities licenses Series 7 and 66.
In June of 2018, Colleen married her husband Charles and they currently live in Staten Island, New York with their daughter Hannah.
About Steven Chin
Steven is one of the main points of contact to handle the day to day needs of clients. Steven attended the City University of New York, Baruch College and received a Bachelor of Arts in Corporate Communications. He also received experience in the medical field as a nursing student but pursued a career in Finance.
Steven has experience working with the accounts receivable department at various small accounting firms both domestic and international and was a Lifeguard at the YMCA of Greater New York for sixteen years. Prior to joining Morgan Stanley, he was working with a private construction contractor tasked with the responsibilities of overseeing the development of residential and commercial construction projects throughout the city.
Steven currently resides in Port Washington, New York with his wife and two children.
Steven has experience working with the accounts receivable department at various small accounting firms both domestic and international and was a Lifeguard at the YMCA of Greater New York for sixteen years. Prior to joining Morgan Stanley, he was working with a private construction contractor tasked with the responsibilities of overseeing the development of residential and commercial construction projects throughout the city.
Steven currently resides in Port Washington, New York with his wife and two children.
About Adam Meliani
As a Wealth Management Analyst, Adam is one of the main points of contact for clients on a daily basis. He assists in areas such as client onboarding, digital marketing, and reporting and analysis. He also maintains his security licenses - Series 7 and Series 66.
Adam attended graduate school in France, where he completed his Masters of Science in International Finance. Upon graduation, he gained valuable experience at Equitable Advisors and later on joined UBS to assist financial advisors delivering a white-glove experience for clients. Since he was young he has been putting the client always first, as he grew up in the family business with his father at their Italian deli.
Raised in New Jersey, Adam now currently resides in Manhattan, New York.
Adam attended graduate school in France, where he completed his Masters of Science in International Finance. Upon graduation, he gained valuable experience at Equitable Advisors and later on joined UBS to assist financial advisors delivering a white-glove experience for clients. Since he was young he has been putting the client always first, as he grew up in the family business with his father at their Italian deli.
Raised in New Jersey, Adam now currently resides in Manhattan, New York.
Contact Mark Ira Miller
Contact Brian Sisto
Contact John B. Coyne
Contact Evan Malik
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
Craig Champagnie
Private Banker
About Craig Champagnie
Craig Champagnie is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Craig began his career in financial services in 2005, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker, Business Banker, and Branch Manager at the JP Morgan Chase Bank.
Craig is a graduate of the The State University of New York, Stony Brook, where he received a Bachelor of Arts in Economics. He lives in Wantagh, New York with his family. Outside of the office, Craig donates his time to The SIFMA Foundation. He enjoys fitness training and playing golf, football and basketball.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Craig began his career in financial services in 2005, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker, Business Banker, and Branch Manager at the JP Morgan Chase Bank.
Craig is a graduate of the The State University of New York, Stony Brook, where he received a Bachelor of Arts in Economics. He lives in Wantagh, New York with his family. Outside of the office, Craig donates his time to The SIFMA Foundation. He enjoys fitness training and playing golf, football and basketball.
NMLS#: 626539
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
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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.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Ready to start a conversation? Contact The Rockbridge 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.
2Alternative 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.
3Morgan 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.
4An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
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.
2Alternative 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.
3Morgan 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.
4An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
