Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(678) 837-3615(678) 837-3615
The Rogan Agnone Jayaswal Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Business Succession PlanningFootnote4
- Cash Management and Lending ProductsFootnote5
- Structured ProductsFootnote6
- Estate Planning StrategiesFootnote7
- Qualified Retirement PlansFootnote8
- Stock Plan ServicesFootnote9
- Wealth ManagementFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Maintaining a great team is our key to success. Everyone who works with us is committed to helping you succeed.
Along with our financial experience, we pride ourselves on being strong communicators. That means we take time to listen carefully to you. We also work hard to make sure you understand—and are comfortable with—any financial options we suggest.
Along with our financial experience, we pride ourselves on being strong communicators. That means we take time to listen carefully to you. We also work hard to make sure you understand—and are comfortable with—any financial options we suggest.
Step 1: Introduction
We begin with an informal discussion to understand your financial concerns and determine how we can add value. Then we’ll schedule our next meeting and request important financial information.
Step 2: Discovery
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
Step 3: Analysis & Plan Development
Here we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow and preserve your wealth.
Step 4: Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. We'll then initiate the investment recommendations and begin to implement the additional strategies we’ve discussed. These often encompass risk management and estate planning.
Designations and Awards
The high-level of service and dedication we work to provide all of our clients with has led us to be recognized by the below organizations:
CFP® - Certified Financial Planner™
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Kelli and Harsh hold this designation.
Kelli and Harsh hold this designation.
CFA - Chartered Financial Analyst
A globally recognized professional designation that measures and certifies the competence and integrity of financial analysts. Candidates are required to pass three levels of exams covering areas such as accounting, economics, ethics, money management and security analysis. CFA charter holders wield an extensive body of knowledge in investing and global financial markets, placing clients’ interests above their own, dedicating themselves to achieving the best outcomes for investors. Fewer than 1 in 5 candidates successfully complete all three levels of the CFA Program.
Dan holds this designation.
Dan holds this designation.
CPM - Certified Portfolio Manager
The Certified Portfolio Manager (CPM®) designation is a collaboration of the Academy of Certified Portfolio Managers and Columbia University. The academic component is designed to provide a deeper understanding of fundamental security analysis, asset allocation, and portfolio management concepts for financial services industry professionals managing discretionary portfolios encompassing Equity and Fixed Income analysis, portfolio management and fiduciary responsibility.
Kelli holds this designation.
Kelli holds this designation.
CEPA - Certified Exit Planning Advisor
Advisors who earn this credential are specially trained to help business owners create an exit plan — a blueprint for selling your company for maximum benefit. A certified exit planning advisor isn’t just concerned with your business goals; they consider your personal and financial objectives as well. A CEPA takes a holistic approach to help you develop a business strategy that integrates all aspects of your life.
Jon holds this designation.
Jon holds this designation.
Portfolio Management Director
Highly selective designation awarded to advisors based on strong compliance record and suitable investment discipline allowing for the design and implementation of discretionary portfolio management services to clients.
Kelli holds this designation.
Kelli holds this designation.
America's Top Women Wealth Advisors Best-in-State 2022
Each advisor—selected by SHOOK Research—is chosen based on an algorithm of qualitative and quantitative criteria, including: in-person interviews; industry experience; compliance records; revenue produced; and assets under management.
Kelli was named in 2022.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21.
Kelli was named in 2022.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21.
OUR SUITE OF DIGITAL TOOLS
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are some of the technologies we have to offer our clients.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Learn More About MSO
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances.
Morgan Stanley Mobile App
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Learn more about E-Authorization
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
Learn more about E-Sign
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn more about E-Delivery
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
Learn more about Digital Vault
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Learn more about Total Wealth View
Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
Learn more about GPSRetirement Resources
Our team will work with you to understand your priorities and implement a customized strategy for you. Whether it is planning or transitioning into retirement, or managing your assets when already in retirement, our team is equipped with the knowledge and tools to help you accomplish your personal and financial goals.
Understanding Your Savings
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you educate on ways to grow and preserve your wealth.
Adopting a Retirement Mindset
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations that will help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it’s important to be emotionally (not just financially) ready for retirement.
Risks of Retirement
Once you determine what kind of retiree you want to be, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Impact of Taxes
The strategies you use when taking out your retirement savings can have a significant impact on how much you’ll pay in taxes and may help you keep more of the returns. Establishing a tax management strategy for your investments can help you retain more of your investment returns.
Location
2160 Satellite Blvd
Ste 260
Duluth, GA 30097
US
Direct:
(678) 837-3615(678) 837-3615
Meet The Rogan Agnone Jayaswal Group
Phone:
(678) 837-3613(678) 837-3613
Phone:
(678) 837-3612(678) 837-3612
Phone:
(678) 837-3614(678) 837-3614
Phone:
(678) 837-3618(678) 837-3618
Rawanda Goode
Senior Client Service Associate
Phone:
(678) 837-3621(678) 837-3621
Cleone Browne
Client Service Associate
Phone:
(678) 837-3619(678) 837-3619
About Kelli Rogan
Kelli has spent over the past two decades building a wealth management practice focused on providing investment strategies and reliable financial planning advice for clients who wish to not only preserve but also grow their wealth. She believes in understanding the intricacies of each client’s family story and values being there for both the successes and challenges they face throughout their lifetimes. Kelli takes great pride in the many client relationships she has forged over her career, especially those that span multiple generations.
Originally from California, Kelli earned her Masters Degree in Mathematics from Clemson University and holds both the CFP (Certified Financial Planner) and CPM (Certified Portfolio Manager) designations. This strong analytical foundation allows Kelli to not only provide long term planning advice for clients but also synthesize market data and ultimately implement appropriate strategies.
A former cyclist for the Clemson Tigers, Kelli earned All-American honors and became a National Champion in the velodrome Match Sprint race. Her collegiate success resulted in her competing in the 1992 and 1996 Olympic Trials for track cycling.
Kelli has a 15-year-old son, Baden, who is an up-and-coming bike racer and action photographer. In her free time, Kelli enjoys coaching and managing a youth cycling team and traveling with Baden.
Originally from California, Kelli earned her Masters Degree in Mathematics from Clemson University and holds both the CFP (Certified Financial Planner) and CPM (Certified Portfolio Manager) designations. This strong analytical foundation allows Kelli to not only provide long term planning advice for clients but also synthesize market data and ultimately implement appropriate strategies.
A former cyclist for the Clemson Tigers, Kelli earned All-American honors and became a National Champion in the velodrome Match Sprint race. Her collegiate success resulted in her competing in the 1992 and 1996 Olympic Trials for track cycling.
Kelli has a 15-year-old son, Baden, who is an up-and-coming bike racer and action photographer. In her free time, Kelli enjoys coaching and managing a youth cycling team and traveling with Baden.
Securities Agent: MO, TN, OH, VI, WA, VA, UT, TX, SC, PA, OR, NJ, NY, NV, NM, ND, NC, MT, MN, MI, MD, MA, LA, KY, KS, ID, HI, GA, FL, DE, CT, CO, CA, AZ, AR, AL, AK, IL, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 545033
NMLS#: 545033
About Robert Agnone
Robbie has dedicated himself to helping clients meet their financial goals. He enjoys guiding his clients and helping them make great decisions with their money. He really enjoys getting to know his clients and their families over time while helping them reach their goals. He focuses on building new relationships for the team and delivering a goals-based wealth management process to all of his clients. Robbie has a distinctive ability to communicate complex financial solutions in simple terms that helps allow his clients to feel confident in knowing exactly how their strategy is working towards their goals.
Robbie holds a bachelor’s degree from the Lerner College of Business and Economics at the University of Delaware. Robbie began his career as a Financial Advisor at Merrill Lynch in 2013. He then joined Morgan Stanley in 2019 where he became a Senior Vice President and a Senior Portfolio Manager. Robbie currently holds Chartered Retirement Planning Counselor Designation (CRPC®). The CRPC® designation is the result of a comprehensive program that helps financial advisors master the entire retirement planning process, going far beyond retirement income. Before working in financial services, Robbie enjoyed a successful athletic career, playing football at both the collegiate and professional levels.
He, his wife, and their three children currently live in Suwanee, GA. In his free time Robbie enjoys staying active and playing golf.
Robbie holds a bachelor’s degree from the Lerner College of Business and Economics at the University of Delaware. Robbie began his career as a Financial Advisor at Merrill Lynch in 2013. He then joined Morgan Stanley in 2019 where he became a Senior Vice President and a Senior Portfolio Manager. Robbie currently holds Chartered Retirement Planning Counselor Designation (CRPC®). The CRPC® designation is the result of a comprehensive program that helps financial advisors master the entire retirement planning process, going far beyond retirement income. Before working in financial services, Robbie enjoyed a successful athletic career, playing football at both the collegiate and professional levels.
He, his wife, and their three children currently live in Suwanee, GA. In his free time Robbie enjoys staying active and playing golf.
Securities Agent: OK, MO, AZ, NV, OH, NC, KY, FL, NM, MI, LA, CA, AK, MD, WA, MT, KS, CO, VI, NY, MN, AL, TN, SC, PA, NJ, ME, IL, VA, MS, MA, IN, IA, HI, GA, CT, AR, UT, TX, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1054763
NMLS#: 1054763
About Daniel Dix
Daniel’s goal is to fully understand your personal and financial life and how the two interact. He will be in regular contact with you and each conversation or meeting will build upon the last as you progress towards your end goals. When the market throws speed bumps your way, he will be there to make sense of it for you and to thoughtfully help you adjust your approach to keep you on track for your future.
Daniel earned his bachelor’s degree in business administration with a focus in Finance from Georgia Gwinnet College in Lawrenceville, Georgia in 2012. Daniel started his career at Merrill Lynch as a Financial Advisor in 2012. In 2019 Daniel joined Morgan Stanley as a Financial Advisor.
Daniel holds a Chartered Financial Analyst (CFA®) charter which is a designation given to those who have completed the CFA® program. Charter holders are distinguished by their commitment to set a higher standard of excellence, they are sought after as investment management professionals.
Daniel is into the second decade of marriage to the love of his life, together they are raising two children, Sofia and Jonathan. In his free time, he spends a lot of time reading, playing with them, and making sure he carves out time to travel and create memorable experiences for them. When he is not playing with his kids, he enjoys playing the guitar, fishing, spending time on the lake, traveling and mountain biking.
Daniel earned his bachelor’s degree in business administration with a focus in Finance from Georgia Gwinnet College in Lawrenceville, Georgia in 2012. Daniel started his career at Merrill Lynch as a Financial Advisor in 2012. In 2019 Daniel joined Morgan Stanley as a Financial Advisor.
Daniel holds a Chartered Financial Analyst (CFA®) charter which is a designation given to those who have completed the CFA® program. Charter holders are distinguished by their commitment to set a higher standard of excellence, they are sought after as investment management professionals.
Daniel is into the second decade of marriage to the love of his life, together they are raising two children, Sofia and Jonathan. In his free time, he spends a lot of time reading, playing with them, and making sure he carves out time to travel and create memorable experiences for them. When he is not playing with his kids, he enjoys playing the guitar, fishing, spending time on the lake, traveling and mountain biking.
Securities Agent: UT, PA, FL, MN, MA, NC, NY, WA, VI, VA, TX, TN, SC, OR, OK, OH, NV, NM, NJ, MT, MS, MO, MI, ME, MD, LA, KY, KS, IN, IL, IA, GA, DE, CT, CO, CA, AZ, AR, AL, AK, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1093505
NMLS#: 1093505
About Harsh Jayaswal
Harsh is a Certified Financial Planner (CFP®) and has been a Financial Advisor for nearly two decades. Harsh focuses on client relationships, financial and risk reduction strategies to help meet current needs and long-term financial goals of his clients and their families. He works with high-net worth families focusing on their financial plan with consideration to their estate, as well as the next generation to help foster a smooth transition of wealth while helping minimize the taxation effects of the transfer. Harsh's areas of focus are insurance planning, estate planning strategies, and after-tax investment management in an effort to optimize their overall financial plan-- he holds designations in Insurance Planning, Lending, and Alternative Investments.
Harsh earned his bachelor’s degree in Business Administration with a concentration in Risk Management from Georgia State University’s Robinson School of Business in Atlanta, GA in 2005. He currently resides in Alpharetta, GA with his wife, their two daughters and their dogs. In his free time, they love to travel and stay active.
Harsh earned his bachelor’s degree in Business Administration with a concentration in Risk Management from Georgia State University’s Robinson School of Business in Atlanta, GA in 2005. He currently resides in Alpharetta, GA with his wife, their two daughters and their dogs. In his free time, they love to travel and stay active.
Securities Agent: FL, AZ, OR, NM, NJ, MS, KS, MO, MD, HI, AK, MI, MA, IN, CO, AR, WA, SC, PA, CA, AL, VI, OK, UT, TX, TN, NC, IA, NY, NV, ME, CT, VA, OH, MN, LA, KY, MT, GA, DE, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1076731
NMLS#: 1076731
About Jon Striefsky
Jon’s practice is rooted in providing sound advice and developing actionable strategies that are aimed at not only maintaining but also creating wealth for his clients. He takes pride in being someone who handles more than just your investments and believes the best financial advice is a product of both collaboration and truly understanding the people he works with.
Jon earned his bachelor’s degree in finance from the University of Delaware. While at UD, he started three seasons at place kicker for the Division I Blue Hen football program and went from walk-on to consensus 1st Team All American.
Following his time at Delaware, Jon played four seasons in the Arena Football League and was accepted to the University of Pennsylvania, Wharton School of Business "Venture Initiative Program" where he spent two years building a sustainable company in their start-up incubator.
Jon started his career as a Financial Advisor in 2017 at Merrill Lynch in Charlotte, North Carolina before moving to Atlanta, Georgia and ultimately joining Morgan Stanley in 2019. Jon’s experience with start-ups and small businesses led to him gaining the Certified Exit Planner Advisor (CEPA) designation which verifies his knowledge in working with business owners seeking to maximize their company’s value and eventually exit.
Jon lives in Midtown, Atlanta and loves watching sports, traveling, and cigars. He enjoys giving back to the community by teaching kicking lessons and breaking down film for young kickers who are looking to improve their skills but have difficulty affording consistent instruction.
Jon earned his bachelor’s degree in finance from the University of Delaware. While at UD, he started three seasons at place kicker for the Division I Blue Hen football program and went from walk-on to consensus 1st Team All American.
Following his time at Delaware, Jon played four seasons in the Arena Football League and was accepted to the University of Pennsylvania, Wharton School of Business "Venture Initiative Program" where he spent two years building a sustainable company in their start-up incubator.
Jon started his career as a Financial Advisor in 2017 at Merrill Lynch in Charlotte, North Carolina before moving to Atlanta, Georgia and ultimately joining Morgan Stanley in 2019. Jon’s experience with start-ups and small businesses led to him gaining the Certified Exit Planner Advisor (CEPA) designation which verifies his knowledge in working with business owners seeking to maximize their company’s value and eventually exit.
Jon lives in Midtown, Atlanta and loves watching sports, traveling, and cigars. He enjoys giving back to the community by teaching kicking lessons and breaking down film for young kickers who are looking to improve their skills but have difficulty affording consistent instruction.
Securities Agent: HI, NV, OR, TN, VI, WY, LA, MI, IL, WA, VA, UT, TX, SD, SC, PA, OK, OH, NY, NM, NJ, NC, MT, MS, MO, MN, ME, MD, MA, KY, KS, IN, IA, GA, FL, DE, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1712482
NMLS#: 1712482
About Rawanda Goode
Rawanda began her career with our team in 2001. She is an integral part of the team and handles many of the operational and administrative functions for our clients. Rawanda provides fundamental support in all phases of client service and client relationship building. She is committed to seeking innovative ways to provide high quality experiences and solutions for our clients. She lives Lawrenceville, GA with her husband and their two children and enjoys volunteering with her church.
About Cleone Browne
A seasoned veteran of the financial services industry since 1992, Cleone handles client servicing and strives for complete client satisfaction. She maintains a deep professional commitment to developing relationships while ensuring an exemplary client experience. Cleone graduated from The University of the Virgin Islands with a Bachelor’s Degree in both Accounting and Business Administration. In her spare time, she enjoys reading, great movies and home renovation projects.
Contact Kelli Rogan
Contact Robert Agnone
Contact Daniel Dix
Contact Harsh Jayaswal
Contact Jon Striefsky
Wealth Management
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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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
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 Rogan Agnone Jayaswal 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley 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
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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 and other legal matters.
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.
9Morgan 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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:
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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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley 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
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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 and other legal matters.
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.
9Morgan 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)