Andrew F Roettger, CLTC®, CFP®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Advisor
Phone:
(973) 993-4131(973) 993-4131
The Roettger Group at Morgan Stanley
Direct:
(888) 379-1501(888) 379-1501
Our Mission Statement
We strive to deliver each of our clients a well thought out financial plan, exceptional customer service and timely ideas tailored to your specific goals and situations.
Commitment to Excellent Service
The Roettger Group provides comprehensive wealth management solutions to entrepreneurs, executives, professionals, corporations and high net worth families. Established by Andrew Roettger in 1995, the team has helped clients build and preserve their wealth through numerous market cycles while developing long term relationships built on trust.
For over 30 years, the team has created successful strategic plans and investment portfolios. All members of the team are highly trained in their disciplines; and between them hold several advanced degrees and certifications. Andy holds the Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Certification for Long Term Care (CLTC) and Family Wealth Advisor designations. He attended Rutgers University as well as The Wharton School of University of Pennsylvania. Jack Grauer is a graduate of Rutgers University with a degree In Economics. He joined Morgan Stanley in 2019 as a Wealth Associate Advisor where he focused on creating, implementing, and monitoring financial plans. Theresa Kroom has worked with Andy since 1995 and provides all aspects of administrative support for the team. Cynthia Adduci joined The Roettger Group in August 2021 with 25 years of experience in financial services. She brings a broad knowledge of operational and administrative functions to the team.
The team employs a systematic wealth management process to develop actionable plans tailored to individual situations. They are dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and appetite for risk. They use this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies. The team’s broad experience combined with Morgan Stanley’s vast resources enable it to assist with almost every facet of financial services including investment management, retirement planning, special needs planning, cash management, legacy, philanthropy, and education planning. Working with an extensive network of specialists in insurance, structured solutions, estate planning, and lending services, complements and deepens the advice the team offers. The group takes pride in having worked with clients for decades as well as with multi generations within families. They have helped guide families though through their life cycle; from planning for their children’s education, retirement, to succession to the next generation.
The Roettger Group strives to provide an extraordinary high level of service. Clients’ portfolios are vigilantly monitored, and meetings are scheduled regularly to appraise goals and evaluate financial conditions. The team is always accessible, and its service is accurate and timely. The team also assists clients with the adaption of Morgan Stanley’s digital tools in order to utilize technology for the convenience and benefit of their clients.
For over 30 years, the team has created successful strategic plans and investment portfolios. All members of the team are highly trained in their disciplines; and between them hold several advanced degrees and certifications. Andy holds the Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Certification for Long Term Care (CLTC) and Family Wealth Advisor designations. He attended Rutgers University as well as The Wharton School of University of Pennsylvania. Jack Grauer is a graduate of Rutgers University with a degree In Economics. He joined Morgan Stanley in 2019 as a Wealth Associate Advisor where he focused on creating, implementing, and monitoring financial plans. Theresa Kroom has worked with Andy since 1995 and provides all aspects of administrative support for the team. Cynthia Adduci joined The Roettger Group in August 2021 with 25 years of experience in financial services. She brings a broad knowledge of operational and administrative functions to the team.
The team employs a systematic wealth management process to develop actionable plans tailored to individual situations. They are dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and appetite for risk. They use this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies. The team’s broad experience combined with Morgan Stanley’s vast resources enable it to assist with almost every facet of financial services including investment management, retirement planning, special needs planning, cash management, legacy, philanthropy, and education planning. Working with an extensive network of specialists in insurance, structured solutions, estate planning, and lending services, complements and deepens the advice the team offers. The group takes pride in having worked with clients for decades as well as with multi generations within families. They have helped guide families though through their life cycle; from planning for their children’s education, retirement, to succession to the next generation.
The Roettger Group strives to provide an extraordinary high level of service. Clients’ portfolios are vigilantly monitored, and meetings are scheduled regularly to appraise goals and evaluate financial conditions. The team is always accessible, and its service is accurate and timely. The team also assists clients with the adaption of Morgan Stanley’s digital tools in order to utilize technology for the convenience and benefit of their clients.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Client Expectations
2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020, 2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Named to the 2024 Forbes Top Wealth Management Teams Ranking
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC
Named to New Jersey Monthly Five Star Wealth Manager List
2020, 2021, 2022, 2023, 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2020, 2021, 2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Source: Forbes.com (Awarded 2020, 2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Named to the 2024 Forbes Top Wealth Management Teams Ranking
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC
Named to New Jersey Monthly Five Star Wealth Manager List
2020, 2021, 2022, 2023, 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2020, 2021, 2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Individuals planning for their own financial well-being or the financial well-being of a family member with special needs face several challenges. They must design their financial and estate plan so that it provides for special needs without:
• Depriving other family members of a meaningful inheritance;
• Placing other family members in a position of responsibility that they may not be prepared or willing to assume
• Rendering their family member with special needs ineligible for government benefits like Supplemental Security Income (SSI) and Medicaid.
• For families wrestling with these complex issues, a special needs trust can prove to be a viable solution.
• Depriving other family members of a meaningful inheritance;
• Placing other family members in a position of responsibility that they may not be prepared or willing to assume
• Rendering their family member with special needs ineligible for government benefits like Supplemental Security Income (SSI) and Medicaid.
• For families wrestling with these complex issues, a special needs trust can prove to be a viable solution.
Contemplated Action:
-Direct gift or bequest
-Direct gift or bequest to family member to provide for another individual with special needs
-Special Needs Trust
-Direct gift or bequest to family member to provide for another individual with special needs
-Special Needs Trust
For families wrestling with these complex issues, if you want to learn more about how we can help in deciding which option is best for you, click on the article below and give us a call.
Modern Wealth Tools
Our investment strategies seek to leverage modern wealth tools and cutting-edge technology. By providing our clients with customized wealth management solutions, we enable our clients to be one step closer to achieving their life goals. We have assembled the following Morgan Stanley financial tools and platforms that support our wealth management philosophy and investment strategies.
Morgan Stanley Online
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online
Asset Aggregation
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. This new tool allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Total Wealth View
Goals Planning System
A holistic Goals Planning System (GPS) approach to Wealth Management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track. As circumstances and goals change, Financial Advisors can help adjust priorities and introduce additional solutions.
GPS Video
Digital Vault
Keeping important documents and financial records organized and readily available is one 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.
Feel Secure With Your Personal Finances
The Roettger Group utilizes a four step financial planning process to create a customized and comprehensive financial blueprint for each client:
Step 1: Financial Data
Financial and Risk Tolerance questionnaires are completed for each client. Financial objectives and related concerns are discussed.
Step 2: Asset Allocation
A asset allocation model is developed that addresses risk reduction through diversification and seeking to optimizes the portfolio’s return.
Asset Allocation and diversification does not assure a profit or protect against loss in declining financial markets.
Asset Allocation and diversification does not assure a profit or protect against loss in declining financial markets.
Step 3: Implementation
Specific investment recommendations are reviewed in detail. Fees, commissions and performance expectations are discussed.
Step 4: Monitor & Adjustments
A schedule is determined on the frequency of periodic portfolio reviews. Any new material facts are considered, and adjustments can be made accordingly.
Location
340 Mount Kemble Avenue
First Floor
Morristown, NJ 07960
US
Direct:
(888) 379-1501(888) 379-1501
Meet The Roettger Group
Jack Grauer
Financial Advisor
Phone:
(973) 993-5227(973) 993-5227
Cynthia Adduci
Senior Client Service Associate
Phone:
(973) 993-5242(973) 993-5242
Theresa Kroom
Portfolio Associate
Phone:
(973) 993-5247(973) 993-5247
About Andrew F Roettger
Andrew is an Executive Director, Certified Financial Planner ®, and Family Wealth Advisor at Morgan Stanley with thirty five years of experience in the investment industry. His achievements throughout his career have resulted in inclusion in the Forbes Top Advisors in NJ Listing for 2019 and 2020. Over his long, successful career, Andrew has consistently strived to enhance his credentials and accumulate knowledge necessary to advise his clients in an increasingly complex financial environment. As one of the Morgan Stanley Financial Advisors to receive the firm’s Family Wealth Advisor designation, he creates and managed custom strategic plans that constantly develop and changes as goals and situations evolve. The foundation of his practice is in the belief that personal relationships, professional competence and trust is the key to success in all aspects of financial planning. And financial planning is more than just performance; it is about listening and learning about what is important to each and every client and working to achieve their lifelong financial objectives.
Andy currently resides in Chester, New Jersey, with his wife of 32 years, and their three children. As a graduate of Rutgers University, he has remained active within the Rutgers community. He is actively involved in the Mayo Performing Arts Center located in Morristown, a nonprofit that presents a wide range of programs to entertain, enrich, and educate the diverse population of Northern New Jersey. In his free time, Andy enjoys traveling, fly fishing, tennis, and golf, and has a passion for jazz and classic rock.
Andy currently resides in Chester, New Jersey, with his wife of 32 years, and their three children. As a graduate of Rutgers University, he has remained active within the Rutgers community. He is actively involved in the Mayo Performing Arts Center located in Morristown, a nonprofit that presents a wide range of programs to entertain, enrich, and educate the diverse population of Northern New Jersey. In his free time, Andy enjoys traveling, fly fishing, tennis, and golf, and has a passion for jazz and classic rock.
Securities Agent: SC, RI, WI, VT, NY, GA, CA, VA, OH, MN, IN, IL, TN, MA, AZ, DE, DC, PA, ME, NV, NH, NC, MD, CT, CO, AK, FL, NJ, AR, TX; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1393627
CA Insurance License #: 4296705
NMLS#: 1393627
CA Insurance License #: 4296705
About Jack Grauer
After graduating from Rutgers with a BA in Economics with a concentration in financial economics, Jack started his career at Merrill Lynch as a servicing representative on employer sponsored retirement plans helping Corporate Executives manage their employer awards.
He joined Morgan Stanley in 2019 as a Wealth Associate Advisor where he specialized in creating, implementing, and monitoring financial plans. He is the Group’s financial planner, working with clients to address their goals, cash flow needs and overall risk tolerance. Jack believes in the importance of Financial Planning and that Financial Planning is crucial for individuals, families and businesses to achieve their financial goals and secure their future.
In 2023, Jack completed a Dale Carnegie Course where he advanced his knowledge in understanding individuals needs and how to apply that to their financial lives. The course provided in depth insight to enhance the discovery process when working with potential clients understanding their needs to assist with the planning process. He is a fully licensed Financial Advisor and is currently studying to become a Certified Financial Planner.
In his free time, Jack enjoys playing and watching sports. He is an avid Philadelphia sports fan and considers himself “part of the team”.
He joined Morgan Stanley in 2019 as a Wealth Associate Advisor where he specialized in creating, implementing, and monitoring financial plans. He is the Group’s financial planner, working with clients to address their goals, cash flow needs and overall risk tolerance. Jack believes in the importance of Financial Planning and that Financial Planning is crucial for individuals, families and businesses to achieve their financial goals and secure their future.
In 2023, Jack completed a Dale Carnegie Course where he advanced his knowledge in understanding individuals needs and how to apply that to their financial lives. The course provided in depth insight to enhance the discovery process when working with potential clients understanding their needs to assist with the planning process. He is a fully licensed Financial Advisor and is currently studying to become a Certified Financial Planner.
In his free time, Jack enjoys playing and watching sports. He is an avid Philadelphia sports fan and considers himself “part of the team”.
Securities Agent: WI, NC, PA, NV, RI, NE, IN, IL, DE, TN, NJ, FL, AR, AZ, VT, NY, NH, MN, DC, VA, SC, GA, CA, OH, CT, CO, ME, TX, MD, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1884521
CA Insurance License #: 4296380
NMLS#: 1884521
CA Insurance License #: 4296380
About Cynthia Adduci
Cynthia joined the Roettger Group at Morgan Stanley in August 2021 with 26 years of experience in financial services. She brings an exceptional level of client service capabilities to the team, along with a broad knowledge of operational and administrative functions. She serves as the team concierge, organizing team travel and off-site events. She is responsible for preparing customized reports for client meetings, managing team expenses, and ensuring that all industry-related licenses and certifications are maintained in good order. Her strong work ethic has been an asset to our group, and in conjunction with her associates, contributes to an outstanding overall service experience for clients of The Roettger Group.
After earning her Bachelor of Arts in Psychology from William Paterson University, Cynthia began her career at Merrill Lynch. She has since worked in a variety of roles during her 24 years with Morgan Stanley, including Operations Associate and Branch Administrator. Cynthia is bilingual and uses her proficiency in Italian to help maintain the connection to her culture and extended family. Currently, she works with the team on a part-time basis allowing her to spend more time with her family.
After earning her Bachelor of Arts in Psychology from William Paterson University, Cynthia began her career at Merrill Lynch. She has since worked in a variety of roles during her 24 years with Morgan Stanley, including Operations Associate and Branch Administrator. Cynthia is bilingual and uses her proficiency in Italian to help maintain the connection to her culture and extended family. Currently, she works with the team on a part-time basis allowing her to spend more time with her family.
About Theresa Kroom
Theresa’s career in finance started in 1991, working in operations at Dean Witter. She has worked with Andy since 1995 and is currently a Portfolio Associate. Her responsibilities on the team include building and maintaining client relationships, servicing accounts, account opening and maintenance, trading, disbursements, and appointment scheduling. She also serves as a liaison between clients and their other trusted advisors.
She has attended the Support Professional Academy, a workshop event focusing on digital innovation within the firm. Theresa is also currently a member of ELITE, a group of Morgan Stanley top support professionals.
Theresa graduated with a Bachelor of Arts degree in Political Science from the College of Charleston, and a Master of Arts degree in English Literature from Centenary University (NJ). Outside the office, Theresa enjoys traveling, reading, and spending time with her family, friends, and the family dog. Theresa is Series 7 and 66 licensed.
She has attended the Support Professional Academy, a workshop event focusing on digital innovation within the firm. Theresa is also currently a member of ELITE, a group of Morgan Stanley top support professionals.
Theresa graduated with a Bachelor of Arts degree in Political Science from the College of Charleston, and a Master of Arts degree in English Literature from Centenary University (NJ). Outside the office, Theresa enjoys traveling, reading, and spending time with her family, friends, and the family dog. Theresa is Series 7 and 66 licensed.
Contact Andrew F Roettger
Contact Jack Grauer
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
Are You Prepared for Tax Day?
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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
Article Image
Ready to start a conversation? Contact The Roettger Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4When 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.
5The 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.
6Investors 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4When 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.
5The 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.
6Investors 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.
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)
