Howard Grace
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(212) 468-4553(212) 468-4553
The Rockefeller Center Group at Morgan Stanley
Direct:
(212) 468-4553(212) 468-4553
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
About Us
After working collaboratively together for the past 20 years, our team specializes in crafting comprehensive strategies to meet your financial needs. Rooted in our mission statement – Experience, intellectual capital, and dedicated personal service to help you meet your life goals – we are committed to providing tailored advice to help you navigate your future. Whether you are planning for retirement, exploring new investment vehicles, or strategizing for the next generation, we are here to offer you the personal support necessary to achieve your financial aspirations.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Alternative InvestmentsFootnote3
- Sustainable InvestingFootnote4
- Retirement PlanningFootnote5
- Trust ServicesFootnote6
- Endowments and FoundationsFootnote7
- Cash Management and Lending ProductsFootnote8
- Estate Planning StrategiesFootnote9
- 529 PlansFootnote10
- Philanthropic ManagementFootnote11
- Business Succession PlanningFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
55 East 52nd Street 10th
11th Floor
New York, NY 10055
US
Direct:
(212) 468-4553(212) 468-4553
Meet The Rockefeller Center Group
Dave Christensen
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(212) 468-4554(212) 468-4554
About Howard Grace
As founding partner of The Rockefeller Center Group at Morgan Stanley, Howard moved with the Group from Merrill Lynch to Morgan Stanley in the Spring of 2009. Along with his partners Sallie Behnke and Dave Christensen, Howard is qualified as a Family Wealth Director which gives the team’s clients access to a unique set of services and in-house experts available only to the firm’s most important clients.
Howard started working with Sallie and Dave on private client relationships in 2001, after 22 years as a corporate and institutional advisor. Howard is actively involved with all of our nonprofit clients and many of our professional and corporate executive clients, and he is responsible for alternative investments and overall client relationship management. Howard joined Merrill Lynch in 1998 as a Managing Director in
Equity Capital Markets responsible for equity issuing clients in the financial services, real estate, consumer brands, food/agribusiness, lodging and restaurant sectors. Before joining Merrill Lynch, Howard was Head of Equity Capital Markets at UBS and S.G. Warburg, both in New York. He also was an
investment banker for 12 years in the corporate finance departments of The First Boston Corporation and Goldman, Sachs & Co. Howard is qualified as a General Securities Principal.
Howard grew up on Long Island and is a graduate of St. Paul’s School in New Hampshire. He received his BA from Yale College and his MBA from the Yale School of Management. He has been married to his wife Debbie for over 45 years, and they have 5 children. Howard is an avid sportsman, particularly, tennis, platform tennis, squash, golf, and skiing.
Within his Long Island community, Howard has served as Chairman of the Board of East Woods School. He was also a Governor of Piping Rock Club for almost 25 years, most recently as Vice President and Secretary. Howard is a Trustee and chairs the Investment Committee of Preservation Long Island (aka SPLIA). Off Long Island, Howard was a Board member of Grace Institute in New York City and was on his Yale College 35th Reunion Gifts Committee. Previously, he co-chaired the Finance Interest Group for the Yale School of Management Alumni Association and served as a Trustee of the Beaver Dam Winter Sports Club and on the Vestry of St. John’s of Lattingtown.
Howard started working with Sallie and Dave on private client relationships in 2001, after 22 years as a corporate and institutional advisor. Howard is actively involved with all of our nonprofit clients and many of our professional and corporate executive clients, and he is responsible for alternative investments and overall client relationship management. Howard joined Merrill Lynch in 1998 as a Managing Director in
Equity Capital Markets responsible for equity issuing clients in the financial services, real estate, consumer brands, food/agribusiness, lodging and restaurant sectors. Before joining Merrill Lynch, Howard was Head of Equity Capital Markets at UBS and S.G. Warburg, both in New York. He also was an
investment banker for 12 years in the corporate finance departments of The First Boston Corporation and Goldman, Sachs & Co. Howard is qualified as a General Securities Principal.
Howard grew up on Long Island and is a graduate of St. Paul’s School in New Hampshire. He received his BA from Yale College and his MBA from the Yale School of Management. He has been married to his wife Debbie for over 45 years, and they have 5 children. Howard is an avid sportsman, particularly, tennis, platform tennis, squash, golf, and skiing.
Within his Long Island community, Howard has served as Chairman of the Board of East Woods School. He was also a Governor of Piping Rock Club for almost 25 years, most recently as Vice President and Secretary. Howard is a Trustee and chairs the Investment Committee of Preservation Long Island (aka SPLIA). Off Long Island, Howard was a Board member of Grace Institute in New York City and was on his Yale College 35th Reunion Gifts Committee. Previously, he co-chaired the Finance Interest Group for the Yale School of Management Alumni Association and served as a Trustee of the Beaver Dam Winter Sports Club and on the Vestry of St. John’s of Lattingtown.
Securities Agent: ID, MD, CT, VT, RI, OR, CA, DC, AL, MI, TN, PA, NJ, KS, DE, CO, NY, MA, FL, TX, OH, MO, IL, VA, NH, GA, SC; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279526
NMLS#: 1279526
About Dave Christensen
As a founding partner of The Rockefeller Center Group at Morgan Stanley, Dave Christensen is a Senior Vice President and Family Wealth Director at Morgan Stanley. He joined the firm in 2009, along with partners and financial advisors Sallie Behnke and Howard Grace, from Merrill Lynch where he was a Financial Advisor for over 11 years. Dave is a highly experienced relationship manager guiding clients through every aspect of wealth management and he is involved with the majority of the Group’s nonprofit clients. He also holds the Certified Financial Planner™ (CFP®) designation, and completed the Advanced Portfolio Management Program at the University of Chicago. He also completed the Family Wealth Director program at Morgan Stanley.
Dave grew up in Michigan and graduated from Kalamazoo College with a BA in Economics with an emphasis on business and the banking industry. As a senior in college, he worked in the Merger and Acquisitions department of First of America Bank developing acquisition criteria and prospective targets as a result of changes in the interstate banking laws. Upon graduating from college, Dave served for eight years as a senior officer in the Armed Forces. His military services included tours in Germany, Hawaii, Georgia, and the Middle East (Operation Desert Storm) where he led a variety of military units including an elite parachute unit. Dave joined Merrill Lynch in 1997 through the veteran officers recruiting program. Upon completing the financial consultant training program, Dave began his financial advisory practice in Merrill Lynch’s World Headquarters office in New York.
Dave serves on the boards of the United States Court Tennis Association,, the Board of Zoning Appeals in Tuxedo Park and Faulkner Fabricators Inc. He is also a member of the New York Society of Mayflower Descendants, the Society of Colonial Wars and The Tuxedo Club of Tuxedo Park, New York.
Dave grew up in Michigan and graduated from Kalamazoo College with a BA in Economics with an emphasis on business and the banking industry. As a senior in college, he worked in the Merger and Acquisitions department of First of America Bank developing acquisition criteria and prospective targets as a result of changes in the interstate banking laws. Upon graduating from college, Dave served for eight years as a senior officer in the Armed Forces. His military services included tours in Germany, Hawaii, Georgia, and the Middle East (Operation Desert Storm) where he led a variety of military units including an elite parachute unit. Dave joined Merrill Lynch in 1997 through the veteran officers recruiting program. Upon completing the financial consultant training program, Dave began his financial advisory practice in Merrill Lynch’s World Headquarters office in New York.
Dave serves on the boards of the United States Court Tennis Association,, the Board of Zoning Appeals in Tuxedo Park and Faulkner Fabricators Inc. He is also a member of the New York Society of Mayflower Descendants, the Society of Colonial Wars and The Tuxedo Club of Tuxedo Park, New York.
Securities Agent: RI, CA, NH, FL, NY, KS, DC, VA, DE, NJ, MA, MI, TX, MD, OH, AL, GA, CO, IL, SC, OR, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279156
NMLS#: 1279156
Contact Howard Grace
Contact Dave Christensen
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.
Ready to start a conversation? Contact The Rockefeller Center Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4The 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC 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.
7Morgan 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.
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.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Products 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.
12Morgan 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.
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 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.
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.
4The 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC 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.
7Morgan 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.
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.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Products 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.
12Morgan 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.
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)