Roxann Romano, CRPS®, QPFC
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director, Senior Portfolio Management Director
Phone:
(212) 893-6486(212) 893-6486
The Romano Catalano Group at Morgan Stanley
Roxann Romano, CRPS®, QPFCAnthony Catalano, CRPC®, CDFA®Frankki RomanoNikki StevensDan EvansAlly Romano-Morgan
Direct:
(212) 893-6486(212) 893-6486
Toll-Free:
(800) 223-0270(800) 223-0270
Our Mission Statement
We offer experienced perspective and powerful resources to help you craft customized plans based on your unique life and legacy goals.
Welcome
We are a close-knit team of highly experienced investing, planning and client service professionals who combine our talents to help our clients make well-informed financial decisions and put them into action. We take pride in serving a diverse clientele that includes both affluent business owners and the employees who participate in their companies’ 401(k) plans. We strive to help each family or individual create and implement a customized plan to preserve and grow their hard-earned assets, and to pursue their most important life goals.
With a hands-on Portfolio Manager and designated Family Wealth Director at the head of our team, we provide or provide access to a premier trading and execution platform, a full spectrum of investment choices and an extensive range of specialized services for affluent families. In addition to individually crafted investment portfolios, we can assist you with your tax, trust and estate planning, business succession issues, lending solutions and virtually anything else that impacts your financial life.
We look forward to learning more about you, your family and your goals for the future. To begin that conversation, please give us a call at (212) 893 6486.
With a hands-on Portfolio Manager and designated Family Wealth Director at the head of our team, we provide or provide access to a premier trading and execution platform, a full spectrum of investment choices and an extensive range of specialized services for affluent families. In addition to individually crafted investment portfolios, we can assist you with your tax, trust and estate planning, business succession issues, lending solutions and virtually anything else that impacts your financial life.
We look forward to learning more about you, your family and your goals for the future. To begin that conversation, please give us a call at (212) 893 6486.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Asset Management
- Cash Management and Lending ProductsFootnote3
- Estate Planning StrategiesFootnote4
- Retirement PlanningFootnote5
- 401(k) Rollovers
- Corporate Retirement PlansFootnote6
- Business PlanningFootnote7
- Business Succession PlanningFootnote8
- Divorce Financial AnalysisFootnote9
- Alternative InvestmentsFootnote10
- Investment Strategies for Family Offices
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A RARE DISTINCTION
A Family Wealth Director (FWD) is a rare distinction, earned by less than 3% of Morgan Stanley's Financial Advisors. The designation is given advisors who have undergone distinctive training to complement their extensive experience working with ultra-high net worth families.
Roxann Romano, Managing Director and Wealth Advisor, holds this designation and leverages the versatile resources of Morgan Stanley and professionals to help our clients and their families drive family wealth education, making it more likely that all members of the family will have the foundation and support they need to potentially lead meaningful, fulfilled and engaged lives.
Roxann Romano, Managing Director and Wealth Advisor, holds this designation and leverages the versatile resources of Morgan Stanley and professionals to help our clients and their families drive family wealth education, making it more likely that all members of the family will have the foundation and support they need to potentially lead meaningful, fulfilled and engaged lives.
Family Wealth Capabilities
The Family Office Resources Generalists (FORGs) help clients and Financial Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra-high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Trust & Estate Planning
Along the way, we will be by your side. We will examine your tax and estate planning to ensure that your asset allocation analysis appropriately reflects your tax and estate planning's tax features.
Tax Management
There are many tax-smart strategies for your financial plan. We'll help you make the tax decisions today that can help you save for years to come.
Intergenerational Wealth Planning
Our familial team dynamic enables us to carry a various number of specialties. We understand family wealth, and we are experienced for every stage of life. Obstacles are a part of life, and we can help you create a financial plan with those setbacks in mind.
Philanthropy Management
We provide our clients with a smart way to give to causes end charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501( c )(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
How We Work With You
The hallmark of our wealth management process is a longstanding commitment to building customized solutions from the ground up. Our goals-based approach leads to strategies that are not only designed to reach specific financial targets, but are reflective of who you are and how you intend to share your wealth with others.
Step 1: Introduction
We begin with an informal discussion to understand your financial concerns and determine how we can add value. If we all agree to move forward, 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. Upon your approval, we initiate the investment recommendations and begin to implement the additional strategies we’ve discussed. These often encompass risk management and estate planning.
Step 5: Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
Customized Solutions
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your goals, resources and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots, and helps ensure legacy goals are met.
Asset Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a personalized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate income as you require.
Lending Products
We believe it’s important to consider all aspects of your finances when building your plan for the future. We offer a broad array of lending solutions that work together to complement your existing investment strategy – from flexible lines of credit and home mortgages to state-of-the-art cash management systems.
Retirement Planning
One of our key areas of strength is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Estate Planning Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
401(k) Rollovers
If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place. This helps simplify your financial life, keeps you organized and helps make your money work harder for you.
Corporate Retirement Plans
We work directly with you and your leadership team to effectively manage your corporate retirement plan, while optimizing the benefits to your employees and executives. We have the knowledge, experience and resources to manage and oversee your plan, so you can focus on running your business.
Business Planning
The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership through the next generation, we will help you examine your alternatives and develop the best strategy to achieve your goals.
Business Succession Planning
Owning a business represents years, if not decades, of hard work and entrepreneurial savvy. Yet, even the most astute business owners are often unfamiliar with the complexities that go into a successful succession strategy. We understand your succession in the context of your overall financial picture. We also work closely with your other financial advisors to help ensure your priorities are reflected in your succession strategy.
RESOURCE CENTER
We are committed to provide our clients with comprehensive digital tools and proper information to help make informed decisions and manage their wealth. Additionally, the firm strives to ensure that the platforms our clients use are safe, fast and flexible.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
On The Markets
Our detailed views on the economy, US and global equities, fixed income, and monetary policy.
On The Markets - Publication
Total Wealth Tool
Total Wealth allows you to add your non Morgan Stanley accounts into one place. This allows a clearer more holistic view of your entire financial picture and is a great up to date snap shot of your total net worth.
Get Started Here
Wire Transfers
For directions regarding US Dollar denominated wires used to fund Morgan Stanley accounts please reference the link below.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
2025 Tax Tables
This helpful document provides the 2025 tax rate schedule, standard deductions and personal exemption, gift and estate tax exclusions, retirement contribution and deduction limits, etc.
2025 Federal Tax Tables
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Maximum Benefits and Contribution Limits
Better understand the maximum benefits and contribution limits to help fully realized your retirement savings capabilities.
Contribution Limits
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Understanding IRA Required Minimum Distributions
Know how and when to take your retirement distributions is as important to your strategy as the contributions.
Understanding RMDsLocation
399 Park Ave
12th Fl
New York, NY 10022
US
Direct:
(212) 893-6486(212) 893-6486
Toll-Free:
(800) 223-0270(800) 223-0270
Meet The Romano Catalano Group
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(212) 893-6452(212) 893-6452
Frankki Romano
Financial Advisor
Phone:
(212) 271-0393(212) 271-0393
Dan Evans
Wealth Management Associate, Assistant Vice President
Phone:
(212) 893-6340(212) 893-6340
Nikki Stevens
Assistant Vice President, Business Development Director
Phone:
(212) 893-8104(212) 893-8104
Ally Romano-Morgan
Financial Advisor
Phone:
(212) 893-7676(212) 893-7676
About Roxann Romano
Drawing on over 30 years of financial industry experience, Roxann Romano leads a team that creates and implements customized investment strategies and comprehensive financial plans for a diverse group of clients. Among the select Morgan Stanley Financial Advisors to earn the Family Wealth Director designation, Roxann provides access to an extensive range of specialized resources for highly affluent families. She is equally committed to delivering personalized financial solutions to families with more modest savings. A highly experienced investment professional, Roxann oversees the team’s 20 proprietary investment strategies.
Roxann began her career at Morgan Stanley Dean Witter as a Financial Advisor. She moved her practice to UBS for eight years before rejoining Morgan Stanley in 2013. Since 2015, Roxann has been recognized as a member of Morgan Stanley's prestigious President's Club, most recently in 2025.
Roxann attended The Wharton School at the University of Pennsylvania, where she received her Chartered Investment Management Analyst® (CIMA®) certification. She has also attained designations as a Chartered Retirement Plans Specialist SM, and a Qualified Plan Financial Consultant.
Roxann serves as a board member of the Angels on the Bay children’s charity. She founded the Angels on the Bay/Mary Napolitano Festival of Races, and still serves as race director of the fundraising events. She is also on the scholarship committee for the Columbus Citizens Foundation, is the President of the St. Paul the Apostle finance committee and teaches religious education to children at St. Paul’s church.
Roxann and her husband, Paul, live on Long Island and have three grown children, John, Frankki and Ally. She enjoys spending time with her grandson, Johnny, and participating in marathons and triathlons to raise money for various charities.
Roxann began her career at Morgan Stanley Dean Witter as a Financial Advisor. She moved her practice to UBS for eight years before rejoining Morgan Stanley in 2013. Since 2015, Roxann has been recognized as a member of Morgan Stanley's prestigious President's Club, most recently in 2025.
Roxann attended The Wharton School at the University of Pennsylvania, where she received her Chartered Investment Management Analyst® (CIMA®) certification. She has also attained designations as a Chartered Retirement Plans Specialist SM, and a Qualified Plan Financial Consultant.
Roxann serves as a board member of the Angels on the Bay children’s charity. She founded the Angels on the Bay/Mary Napolitano Festival of Races, and still serves as race director of the fundraising events. She is also on the scholarship committee for the Columbus Citizens Foundation, is the President of the St. Paul the Apostle finance committee and teaches religious education to children at St. Paul’s church.
Roxann and her husband, Paul, live on Long Island and have three grown children, John, Frankki and Ally. She enjoys spending time with her grandson, Johnny, and participating in marathons and triathlons to raise money for various charities.
Securities Agent: VA, NY, ND, PA, NM, DC, NJ, MD, TN, CO, AK, NV, ME, LA, GA, AZ, SC, RI, CT, MI, MA, FL, NC, CA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1275779
CA Insurance License #: 0E26141
NMLS#: 1275779
CA Insurance License #: 0E26141
About Anthony Catalano
For over 42 years (32 with Morgan Stanley), Anthony Catalano has provided his clients with the advice and guidance they need to stay on track with their financial goals, often despite disruptions in the financial markets and their personal lives. For many of these families and individuals, the focus has been on establishing and achieving their financial goals, particularly with regards to Wealth Management and Retirement Planning. His experience as a Morgan Stanley Portfolio Management Director and certification as a Chartered Retirement Planning Counselor (CRPC®) guide his practice and inform his approach. Clients have long valued his genuine concern and his ability to break down complex financial matters into simpler, understandable terms and explain their potential impact on investment scenarios.
As a Portfolio Management Director, Anthony creates and maintains highly customized investment portfolios based on each client’s needs and goals. These strategies are one component of a comprehensive wealth management plan that encompasses virtually every aspect of their financial lives.
Anthony began his financial services career at Merrill Lynch in 1982, after earning his MBA in Finance from the University of San Francisco’s McLaren College of Business Administration. He moved to Morgan Stanley and then to UBS, where he joined forces with Roxann Romano, returning to Morgan Stanley in 2013.
Anthony earned his BA in Biochemistry from Canisius College and went on to earn an MA from Syracuse University at the College of Visual and Performing Arts, which included study abroad in London, England.
An avid theater lover and sports fan, Anthony enjoys attending Broadway shows, movies and concerts, as well as New York Yankees and Giants games. He also enjoys spending time with family and friends at his Manhattan home.
As a Portfolio Management Director, Anthony creates and maintains highly customized investment portfolios based on each client’s needs and goals. These strategies are one component of a comprehensive wealth management plan that encompasses virtually every aspect of their financial lives.
Anthony began his financial services career at Merrill Lynch in 1982, after earning his MBA in Finance from the University of San Francisco’s McLaren College of Business Administration. He moved to Morgan Stanley and then to UBS, where he joined forces with Roxann Romano, returning to Morgan Stanley in 2013.
Anthony earned his BA in Biochemistry from Canisius College and went on to earn an MA from Syracuse University at the College of Visual and Performing Arts, which included study abroad in London, England.
An avid theater lover and sports fan, Anthony enjoys attending Broadway shows, movies and concerts, as well as New York Yankees and Giants games. He also enjoys spending time with family and friends at his Manhattan home.
Securities Agent: AK, TN, NM, NJ, ND, CT, CO, RI, CA, PA, GA, DC, AZ, NY, MD, ME, LA, NV, FL, VA, MI, MA, SC, NC, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282705
NMLS#: 1282705
About Frankki Romano
A member of the team for five years, Frankki Romano works closely with the team’s clients and senior partners to craft highly customized investment portfolios and fully comprehensive wealth management plans. Among her many responsibilities, Frankki conducts risk analyses and prepares performance reports for portfolio management clients. In 2017, she was named to the Morgan Stanley Pacesetter’s Club, a global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service within their first five years.
Frankki graduated from Villanova University with a B.A. in Political Science and English. While in college, she interned at UBS Wealth Management and volunteered on political campaigns. She is an active member of the Villanova Alumni Association and continues to enjoy reading literature, as well as skiing and other outdoor activities.
Frankki graduated from Villanova University with a B.A. in Political Science and English. While in college, she interned at UBS Wealth Management and volunteered on political campaigns. She is an active member of the Villanova Alumni Association and continues to enjoy reading literature, as well as skiing and other outdoor activities.
Securities Agent: RI, ME, LA, NJ, CT, VA, TN, PA, NM, FL, AK, SC, CA, MD, DC, MI, GA, AZ, NV, NC, CO, NY, MA, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 1868578
NMLS#: 1868578
About Nikki Stevens
Drawing on nearly three decades of financial services experience, Nikki Stevens is dedicated to helping individuals and businesses develop financial and investment strategies based on their specific needs, goals and tolerances for risk. Nikki seeks to provide every client with targeted, comprehensive financial advice and portfolio management — delivered with the highest level of personal service and professional integrity. She has established long-standing relationships with many of the team’s clients as they have worked together to adjust their financial planning aligned with demands of their evolving lives.
Nikki began her financial services career working with Roxann Romano at Morgan Stanley in 1993, after attending St. John’s University. When her first child was born, she left the team to accept a position closer to home. She moved to Wells Fargo in 2009, where she spent seven years building a successful advisory practice before rejoining the Romano Catalano Group in 2021.
In addition to helping her clients, Nikki is committed to helping her community. She is involved with the local youth hockey organization and her neighborhood martial arts do gang; helping children build the confidence to reach their true potential. Away from the office, she also enjoys traveling and spending time with her family and friends. She lives in Manalapan, New Jersey with her children, Michael and James.
Nikki began her financial services career working with Roxann Romano at Morgan Stanley in 1993, after attending St. John’s University. When her first child was born, she left the team to accept a position closer to home. She moved to Wells Fargo in 2009, where she spent seven years building a successful advisory practice before rejoining the Romano Catalano Group in 2021.
In addition to helping her clients, Nikki is committed to helping her community. She is involved with the local youth hockey organization and her neighborhood martial arts do gang; helping children build the confidence to reach their true potential. Away from the office, she also enjoys traveling and spending time with her family and friends. She lives in Manalapan, New Jersey with her children, Michael and James.
About Ally Romano-Morgan
Ally Romano works closely with many of the team’s clients, exploring innovative approaches to help them achieve their investment objectives and life goals. Ally enjoys introducing her clients to new wealth management capabilities, working to help each client create and implement fully customized, comprehensive solutions. She plays a key role in the team’s business development efforts, working to build close personal relationships with new and existing clients that transcend business relationships.
Ally graduated from Syracuse University with a B.A. in Information Technology Studies and spent several years in the licensing business before beginning her financial services career. Outside of work, she serves as a junior board member of the Angels on the Bay children’s charity. She loves to travel, eating good food, and spending time with family, friends, and her dog, Leo.
NMLS#2148372
Ally graduated from Syracuse University with a B.A. in Information Technology Studies and spent several years in the licensing business before beginning her financial services career. Outside of work, she serves as a junior board member of the Angels on the Bay children’s charity. She loves to travel, eating good food, and spending time with family, friends, and her dog, Leo.
NMLS#2148372
Securities Agent: MI, CT, LA, ND, VA, SC, TX, TN, FL, MA, NV, GA, DC, CO, AK, PA, NM, NC, ME, RI, NY, CA, AZ, NJ, MD; General Securities Representative; Investment Advisor Representative
Contact Roxann Romano
Contact Anthony Catalano
Contact Frankki Romano
Wealth Management
From Our Team
LifeView® Goal Analysis Client Questionnaire
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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 Romano Catalano Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3Morgan 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
4Morgan 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.
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.
6When 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.
7Morgan 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.
8Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
10Alternative 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.
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.
3Morgan 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
4Morgan 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.
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.
6When 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.
7Morgan 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.
8Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
10Alternative 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.
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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.
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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)
