Richard Rosbach
First Vice President, Financial Advisor, Branch Manager
Phone:
(360) 788-7050(360) 788-7050
The Rosbach Rice Group at Morgan Stanley
Direct:
(360) 788-7034(360) 788-7034
Toll-Free:
(800) 247-2884(800) 247-2884
Our Mission Statement
We measure our success by how well we meet your needs. We take pride in helping “fellow Washingtonians” and neighbors in other states address their challenges. We pledge to be a consistent presence in your life and the lives of your children and grandchildren.
The Rosbach Rice Advantage
Rick and Winnie Rosbach are a seasoned husband-wife advisory team who understands the importance of family and the financial freedom to pursue personal interests. Since 2011, we have been honored to work with a select group of individuals, families and business leaders in Washington State and across the country.
In 2020 we joined Morgan Stanley and met Susan Rice. We bonded over our mutual core value of taking excellent care of our clients. We all believe in the same process of working with our clients very closely and continuously ensuring that our clients are being put first. We have a mutual trust and respect for each other as well as all our clients.
We take great pride in helping our clients manage their finances, so they can take care of the people they love and spend more time pursuing the activities they enjoy. We are most proud of the fact that we continue to serve many of the clients that began working with Winnie’s father, 40 years ago. It is a true privilege to be a part of their family stories, as we now work with their children and grandchildren.
With energy and enthusiasm, we deliver a standard of care that puts you in the center of every decision. We are committed to earning your trust every day through a powerful combination of experience, education and empathy. Above all, we strive to ensure every client feels like our only client.
Getting started is easy. It begins with a conversation. We look forward to discussing how we can support and enhance the lifestyle and legacy you envision for you, your children and your grandchildren now and for the years to come.
In 2020 we joined Morgan Stanley and met Susan Rice. We bonded over our mutual core value of taking excellent care of our clients. We all believe in the same process of working with our clients very closely and continuously ensuring that our clients are being put first. We have a mutual trust and respect for each other as well as all our clients.
We take great pride in helping our clients manage their finances, so they can take care of the people they love and spend more time pursuing the activities they enjoy. We are most proud of the fact that we continue to serve many of the clients that began working with Winnie’s father, 40 years ago. It is a true privilege to be a part of their family stories, as we now work with their children and grandchildren.
With energy and enthusiasm, we deliver a standard of care that puts you in the center of every decision. We are committed to earning your trust every day through a powerful combination of experience, education and empathy. Above all, we strive to ensure every client feels like our only client.
Getting started is easy. It begins with a conversation. We look forward to discussing how we can support and enhance the lifestyle and legacy you envision for you, your children and your grandchildren now and for the years to come.
Services Include
- Cash ManagementFootnote1
- Planning for Education FundingFootnote2
- Financial PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Qualified Retirement PlansFootnote5
- Retirement PlanningFootnote6
- Wealth ManagementFootnote7
- 401(k) Rollovers
- Municipal BondsFootnote8
- Sustainable InvestingFootnote9
- Trust AccountsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Journey Together
Our wealth management approach is built on an enduring commitment to building customized solutions from the ground up, utilizing the global resources of Morgan Stanley. We focus on you and your family – getting you from point “A” to point “B.” Working together, we help you navigate the challenges of life’s complexities to make more informed decisions about your wealth. We are with you every step of the way.
1. Discovery
We begin with an in-depth conversation to understand what is important to you, your family and your future. We learn about the values that shape your decisions and identify any circumstances unique to your personal situation. We request important financial documents and identify your top priorities.
2. Analysis and Strategy Development
Next, we review your current and future financial situation, determine the likelihood of reaching your goals and address any shortfalls. We utilize industry-leading financial planning tools to develop a personalized financial plan that may include changes to your investment strategy, as well as advice on particularly complex issues, such as estate planning and tax minimization strategies.
3. Plan Presentation
In this step, we present your financial plan in detail. We feel strongly about giving you choices in how to achieve your goals and explaining the differences of each option. We also believe it’s critical that you understand the “why” behind each recommendation.
4. Implementation
Upon your approval, we begin to implement the strategies outlined in your plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, we walk you through the details of your new statement and introduce all of the tools and resources now available to you.
5. Ongoing Service and Care
We are committed to delivering a first-class experience to you and your family. We focus on developing longstanding relationships that provide special value. We speak with you regularly to provide updates on your accounts. We also monitor progress towards each of your goals, adjusting your financial plan to reflect changes in your life as they occur.
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
Our Commitment to You
At The Rosbach Rice Group, we believe successful wealth management is a process, not an event. As a result, we have built a personalized, first-class service experience that is based on three critical components: continuous service, mutual understanding of goals and direction, and ongoing relationship building. Our services enables us to provide a customized experience that can potentially be both value-added and differentiating. The number one way we attract new clients – and maintain existing ones – is our premium service experience.
Quarterly Calls
As part of our commitment to superior service, we schedule quarterly conversations with you. Each call is intended to address different topics that can help you effectively reach your goals. During this time, we also discuss updates in your life, questions you may have about the market and timely information about your portfolio.
Semi-Annual Reviews
In addition to our quarterly calls, we schedule semi-annual performance reviews to discuss your investments in detail. These meetings are typically face-to-face or utilize virtual platforms. The purpose of these meetings is to provide a “no surprise strategy” in managing your assets. Our ultimate goal is to help ensure your plan remains on track and reflects changes in your life or changes in the markets.
Accessibility
As stewards of your personal wealth, we believe you should have immediate access to us, as well as the vast services offered through Morgan Stanley. In addition to the above scheduled activities, we are always available to answer your questions, either in person or by phone. Our number one priority is to be your first call for any financial matter – no matter how simple or complex the situation.
Transparency
It is critically important for you to always know where you stand and it is our responsibility to keep you informed. We stay in direct contact with you and provide ongoing communication about your plan and investment portfolio. We believe in transparency of process and pricing and utilize an “open architecture” platform with non-proprietary investments to ensure there is never a conflict of interest.
Ongoing Education
Financial education is a vital element of our practice and helps ensure continuity as wealth moves from one generation to the next. We believe it is our responsibility to assist you and family members as they face important financial challenges. We provide access to important resources and are here to answer critical questions that may impact the long-term wealth of your extended family.
Proactive Communication
We are committed to contacting you during times of significant market volatility and work with you to help anticipate and plan for changing financial and family needs. We also work with your accountant, attorney and other advisors to gain the precise knowledge needed to effectively manage your wealth, while helping ensure all recommendations are fully aligned and implemented.
Investor Resources
GIC On the Markets
The latest edition of “On the Markets,” a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
Read Here
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Listen Here
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read Here
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen Here
Donor Advised Funds
There’s more to charitable giving than you may realize. Here’s one method that provides flexibility and can help maximize your impact.
Read Here
IRA Rollover Guide
Navigating the world of IRA rollovers can be complex, but understanding the guidelines is crucial for managing your retirement funds effectively. Whether you're transitioning jobs or consolidating accounts, knowing the rules can help you avoid penalties and make informed decisions.
Location
2200 Rimland Drive
Suite 105
Bellingham, WA 98226
US
Direct:
(360) 788-7034(360) 788-7034
Toll-Free:
(800) 247-2884(800) 247-2884
Fax:
(360) 788-7070(360) 788-7070
Meet The Rosbach Rice Group
Phone:
(360) 788-7034(360) 788-7034
Phone:
(360) 788-7005(360) 788-7005
Barbara Johnson
Senior Registered Associate
Phone:
(360) 788-7040(360) 788-7040
About Richard Rosbach
Richard A. Rosbach
Branch Manager
First Vice President
Financial Advisor
An experienced Financial Advisor and co-founder of The Rosbach Rice Group at Morgan Stanley, Rick has dedicated his career to serving the specialized needs of successful professionals, business leaders and families living in the greater Bellingham area and around the country. He enjoys educating clients on how to create and implement an effective financial plan and helping them make more informed and confident decisions about their wealth.
Growing up on the east coast, Rick had a strong work ethic and an affinity for math. He also enjoyed helping others – from the time he was a teenager washing dishes and working at Kmart to managing the local Blockbuster video store when he was attending Franklin and Marshall College. It was during his college years that he met Winnie, his future wife and business partner. Winnie’s father was a highly successful advisor at Merrill Lynch. He immediately recognized Rick’s strong attributes and encouraged him to consider a career in financial services. In 2002, Rick became a Financial Advisor at Merrill and two years later teamed up with his father-in-law. Winnie joined the practice in 2011.
Today, Rick enjoys working with like-minded clients who value and appreciate the level of skill and service he and his team deliver. His goals-based process begins with asking the right questions and listening intently. This information then serves as the foundation for the development of a comprehensive plan and investment portfolio that reflects each client’s goals for the future. Rick receives great satisfaction knowing he is helping make a significant impact on the quality of his clients’ lives and often becomes one of the most important relationships to their families.
Rick believes balance is vital to a happy life. Outside of the office, his life centers on a love for his family and community. Rick is a team manager for WFC Rangers soccer team, a Washington State licensed Soccer Referee, and a Board Member of the Bayside Swim Club. A proud Phi Kappa Sigma alumni, Rick is a huge movie buff, loves watching soccer (Go Sounders!) and enjoys traveling and outdoor adventures with Winnie and the family, and their two dogs.
Branch Manager
First Vice President
Financial Advisor
An experienced Financial Advisor and co-founder of The Rosbach Rice Group at Morgan Stanley, Rick has dedicated his career to serving the specialized needs of successful professionals, business leaders and families living in the greater Bellingham area and around the country. He enjoys educating clients on how to create and implement an effective financial plan and helping them make more informed and confident decisions about their wealth.
Growing up on the east coast, Rick had a strong work ethic and an affinity for math. He also enjoyed helping others – from the time he was a teenager washing dishes and working at Kmart to managing the local Blockbuster video store when he was attending Franklin and Marshall College. It was during his college years that he met Winnie, his future wife and business partner. Winnie’s father was a highly successful advisor at Merrill Lynch. He immediately recognized Rick’s strong attributes and encouraged him to consider a career in financial services. In 2002, Rick became a Financial Advisor at Merrill and two years later teamed up with his father-in-law. Winnie joined the practice in 2011.
Today, Rick enjoys working with like-minded clients who value and appreciate the level of skill and service he and his team deliver. His goals-based process begins with asking the right questions and listening intently. This information then serves as the foundation for the development of a comprehensive plan and investment portfolio that reflects each client’s goals for the future. Rick receives great satisfaction knowing he is helping make a significant impact on the quality of his clients’ lives and often becomes one of the most important relationships to their families.
Rick believes balance is vital to a happy life. Outside of the office, his life centers on a love for his family and community. Rick is a team manager for WFC Rangers soccer team, a Washington State licensed Soccer Referee, and a Board Member of the Bayside Swim Club. A proud Phi Kappa Sigma alumni, Rick is a huge movie buff, loves watching soccer (Go Sounders!) and enjoys traveling and outdoor adventures with Winnie and the family, and their two dogs.
Securities Agent: NH, OK, TN, VI, VT, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OR, PA, PR, RI, SC, SD, TX, UT, VA, WA, WI, IA, LA, MD; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 526727
NMLS#: 526727
About Winnie Rosbach
Winifred A. Rosbach, CRPC®
Associate Vice President
Financial Advisor
Winnie is a Chartered Retirement Planning Counselor® (CRPC®), Financial Advisor and founding partner of The Rosbach Rice Group at Morgan Stanley, a highly skilled advisory team located in Bellingham, Washington. Serving as a mentor and advocate, Winnie empowers clients to help achieve new levels of success through a disciplined and personalized wealth management approach. She enjoys helping individuals, families and business owners solve their financial challenges. For Winnie, professional success is measured in terms of client well-being and goal achievement.
As the daughter of a veteran Merrill Lynch advisor for 40 years, Winnie grew up in a household dedicated to serving the needs of local families. She watched as her father diligently helped them achieve their financial goals, ultimately having a profound impact on the quality of their lives. After earning her degree from Franklin and Marshall College in Lancaster, Pennsylvania, Winnie began her career at Chubb Insurance and U.S. Bank before joining the family practice with her father and husband in 2010.
Today, Winnie takes pride following in her father’s footsteps, helping families manage their finances, so they can take care of the people they love, pursue the activities they enjoy and leave a lasting legacy. She is most proud of the fact that she serves many of the families that began working with her father over 40 years ago and is honored to be a part of the next chapter of their family’s story.
Born in San Francisco and raised in Bellingham, Winnie enjoys living in her hometown with her husband and business partner, Rick, and their three young adult children. Together they maintain a healthy and active lifestyle that includes working out, skiing and traveling to warm destinations. In addition, Winnie enjoys volunteering for Sehome High School. She is a former team manager for WFC Rangers and a former board member of the Geneva Elementary and Kulshan Middle School PTA. Winnie is a proud Chi Omega alum and current member of PEO, Chapter AP. In her free time, she likes to participate in Barre 3 classes, cook, attend her son's club and high school soccer games, travel to visit her two college kids and take her dogs, Libby and Lola, for walks.
Associate Vice President
Financial Advisor
Winnie is a Chartered Retirement Planning Counselor® (CRPC®), Financial Advisor and founding partner of The Rosbach Rice Group at Morgan Stanley, a highly skilled advisory team located in Bellingham, Washington. Serving as a mentor and advocate, Winnie empowers clients to help achieve new levels of success through a disciplined and personalized wealth management approach. She enjoys helping individuals, families and business owners solve their financial challenges. For Winnie, professional success is measured in terms of client well-being and goal achievement.
As the daughter of a veteran Merrill Lynch advisor for 40 years, Winnie grew up in a household dedicated to serving the needs of local families. She watched as her father diligently helped them achieve their financial goals, ultimately having a profound impact on the quality of their lives. After earning her degree from Franklin and Marshall College in Lancaster, Pennsylvania, Winnie began her career at Chubb Insurance and U.S. Bank before joining the family practice with her father and husband in 2010.
Today, Winnie takes pride following in her father’s footsteps, helping families manage their finances, so they can take care of the people they love, pursue the activities they enjoy and leave a lasting legacy. She is most proud of the fact that she serves many of the families that began working with her father over 40 years ago and is honored to be a part of the next chapter of their family’s story.
Born in San Francisco and raised in Bellingham, Winnie enjoys living in her hometown with her husband and business partner, Rick, and their three young adult children. Together they maintain a healthy and active lifestyle that includes working out, skiing and traveling to warm destinations. In addition, Winnie enjoys volunteering for Sehome High School. She is a former team manager for WFC Rangers and a former board member of the Geneva Elementary and Kulshan Middle School PTA. Winnie is a proud Chi Omega alum and current member of PEO, Chapter AP. In her free time, she likes to participate in Barre 3 classes, cook, attend her son's club and high school soccer games, travel to visit her two college kids and take her dogs, Libby and Lola, for walks.
Securities Agent: IL, GA, AR, NM, KY, NC, TX, ID, CO, WA, OR, CA, RI, IA, NJ, PA, VA, MN, AZ, NY, MT, MI, OH, NV, MA, FL, AK, SC, KS, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 526728
CA Insurance License #: 0H67343
NMLS#: 526728
CA Insurance License #: 0H67343
About Susan E Rice
Susan E. Rice
Financial Advisor
Financial Planning Specialist
Susan is a highly accomplished financial professional, bringing her experience and compassion to empower clients in achieving their financial goals and securing their futures. With a tenure at Morgan Stanley since 2001 as a Financial Advisor and Financial Planning Specialist, Susan has established herself as a dedicated advisor for individuals and families in the enchanting city of Bellingham, WA.
Susan attended Western Washington University Bellingham, WA where she received her degree in Business Administration. Since then she has received licenses such as her Series7, 63 and 65. On top of this she also has a Financial Planning Specialist Designation from Morgan Stanley as well as immense knowledge on Life/Health/Disability Insurance and Property & Casualty Insurance.
Prior to her successful career at Morgan Stanley, Susan honed her skills as a Financial Advisor at Merrill Lynch from 1996 to 2001. Before this she worked as a Registered Representative at Murphey Favre from 1989 to 1996, where she gained invaluable experience in the financial industry and further honed her focus in serving her clients with grace and precision.
Beyond her professional achievements, Susan is also an active member in her community. She was the past president of the Boys and Girls Clubs of Whatcom Count foundation and is still an active supporter of the Clubs. Susan was also the past president of the Skagit women in Business, as well as a member of the Assistance League of Bellingham.
Outside of work, Susan finds joy in exploring the beauty of the San Juan Islands and creating cherished memories with her beloved husband. Susan values her family very much and enjoys spending as much time as she can with her children and grandchildren.
Susan's unique blend of financial experience, compassionate guidance, and unwavering support make her an invaluable asset to those seeking to navigate the complexities of the financial landscape. She prides herself on building enduring relationships with her clients, based on trust, integrity, and a shared commitment to financial success.
Financial Advisor
Financial Planning Specialist
Susan is a highly accomplished financial professional, bringing her experience and compassion to empower clients in achieving their financial goals and securing their futures. With a tenure at Morgan Stanley since 2001 as a Financial Advisor and Financial Planning Specialist, Susan has established herself as a dedicated advisor for individuals and families in the enchanting city of Bellingham, WA.
Susan attended Western Washington University Bellingham, WA where she received her degree in Business Administration. Since then she has received licenses such as her Series7, 63 and 65. On top of this she also has a Financial Planning Specialist Designation from Morgan Stanley as well as immense knowledge on Life/Health/Disability Insurance and Property & Casualty Insurance.
Prior to her successful career at Morgan Stanley, Susan honed her skills as a Financial Advisor at Merrill Lynch from 1996 to 2001. Before this she worked as a Registered Representative at Murphey Favre from 1989 to 1996, where she gained invaluable experience in the financial industry and further honed her focus in serving her clients with grace and precision.
Beyond her professional achievements, Susan is also an active member in her community. She was the past president of the Boys and Girls Clubs of Whatcom Count foundation and is still an active supporter of the Clubs. Susan was also the past president of the Skagit women in Business, as well as a member of the Assistance League of Bellingham.
Outside of work, Susan finds joy in exploring the beauty of the San Juan Islands and creating cherished memories with her beloved husband. Susan values her family very much and enjoys spending as much time as she can with her children and grandchildren.
Susan's unique blend of financial experience, compassionate guidance, and unwavering support make her an invaluable asset to those seeking to navigate the complexities of the financial landscape. She prides herself on building enduring relationships with her clients, based on trust, integrity, and a shared commitment to financial success.
Securities Agent: CO, MI, FL, NY, NV, NM, MT, ID, AZ, AK, SC, RI, PA, WA, MN, KY, AR, CT, MA, CA, IA, TX, OR, KS, IL, GA, VA, NJ, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1290656
NMLS#: 1290656
About Barbara Johnson
Barbara is a native of Whatcom County, born and raised in Ferndale, WA. Married to David Johnson of 46 years, they have three grown children Kyle, Courtney, Kara and 9 grandchildren. Barbara has 29 years’ experience in the industry. She currently holds the 7, 63 and 65 licenses.
Outside of the office, Barbara enjoys spending time with family. Favorite activities include cooking, attending the grandchildren’s sporting events, traveling, boating and camping.
Outside of the office, Barbara enjoys spending time with family. Favorite activities include cooking, attending the grandchildren’s sporting events, traveling, boating and camping.
Contact Richard Rosbach
Contact Winnie Rosbach
Contact Susan Rice
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Rylan Nordquist
Associate Private Banker
About Rylan Nordquist
Rylan Nordquist is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rylan began his career in financial services in 2012, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Rylan is a graduate of Le Moyne College in Syracuse New York, where he received a double Major of Bachelor Science in Finance and Management Analysis. He lives in Seattle, Washington with his wife, Emily. Outside of the office, Rylan enjoys playing music, hiking, boating, and spending time with family and friends.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rylan began his career in financial services in 2012, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Rylan is a graduate of Le Moyne College in Syracuse New York, where he received a double Major of Bachelor Science in Finance and Management Analysis. He lives in Seattle, Washington with his wife, Emily. Outside of the office, Rylan enjoys playing music, hiking, boating, and spending time with family and friends.
NMLS#: 1272286
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
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Ready to start a conversation? Contact The Rosbach Rice Group today.
1Morgan 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
2When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Morgan 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.
4Morgan 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9The 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.
10Morgan 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.
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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
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
2When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Morgan 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.
4Morgan 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9The 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.
10Morgan 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.
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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)
