Senior Vice President, Financial Advisor, Senior Portfolio Management Director, CERTIFIED FINANCIAL PLANNER®
Phone:
(914) 225-0718(914) 225-0718
The Rosenberg Chin Group at Morgan Stanley
Direct:
(914) 225-0718(914) 225-0718
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Asset Management
- Cash ManagementFootnote4
- Wealth ManagementFootnote5
- 401(k) Rollovers
- Exchange Traded FundsFootnote6
- Alternative InvestmentsFootnote7
- Corporate Retirement PlansFootnote8
- Estate Planning StrategiesFootnote9
- Fixed IncomeFootnote10
- Municipal BondsFootnote11
- 529 PlansFootnote12
- Planning for Education FundingFootnote13
- Long Term Care InsuranceFootnote14
- Life InsuranceFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education: Robert J Rosenberg
- M.B.A. - Master of Business Administration, Fordham University, New York, NY
- BA - Brooklyn College, Brooklyn, NY
- Certified Financial Planner (CFP®)
- Portfolio Management Director
- Financial Planning Specialist Designation
- Series 7, 31, 63 & 65 Variable Annuities Long Term Care
- Life & Health Insurance
- BA - Brooklyn College, Brooklyn, NY
- Certified Financial Planner (CFP®)
- Portfolio Management Director
- Financial Planning Specialist Designation
- Series 7, 31, 63 & 65 Variable Annuities Long Term Care
- Life & Health Insurance
Education: Eric Chin
- BS - Finance, concentration in Alternative Investments, Fordham University, New York, NY
- Minor - Economics
- Qualified Plan Financial Consultant
- Series 7 & 66
- Portfolio Manager
- Financial Planning Specialist Designation
- CAIA Fundamentals of Alternative Investments Certificate Holder
- Minor - Economics
- Qualified Plan Financial Consultant
- Series 7 & 66
- Portfolio Manager
- Financial Planning Specialist Designation
- CAIA Fundamentals of Alternative Investments Certificate Holder
Awards
- 2025 Century Club Morgan Stanley
- 2025 Pacesetter Club Morgan Stanley
- Blue Chip Council Smith Barney
- Century Council Morgan Stanley
- Master's Club Morgan Stanley
- 2020 & 2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded November 2020 and 2021) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2020 Award - 10/14/2019 through 04/24/2020
2021 Award - 2/15/2021 through 09/10/2021
Five Star Professional Wealth Manager- 2025 Pacesetter Club Morgan Stanley
- Blue Chip Council Smith Barney
- Century Council Morgan Stanley
- Master's Club Morgan Stanley
- 2020 & 2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded November 2020 and 2021) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2020 Award - 10/14/2019 through 04/24/2020
2021 Award - 2/15/2021 through 09/10/2021
Associations
- American Cancer Society
- American Heart Association
- Chamber of Commerce - Yorktown, NY
- Fordham University Alumni Association - New York, NY
- Iona Preparatory, Board of Directors - New Rochelle, NY
- American Heart Association
- Chamber of Commerce - Yorktown, NY
- Fordham University Alumni Association - New York, NY
- Iona Preparatory, Board of Directors - New Rochelle, NY
Planning for the Future
Our team will work with you to understand what your priorities are during these crucial years and implement a customized plan that works for you. Whether it's planning for retirement, making the transition into retirement or managing your assets post retirement. No matter the stage in life, our team is equipped with the tools and knowledge to help you accomplish your financial and personal goals.
GPS Platform
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Learn More
What Kind of Retiree Do You Want to Be?
Everyone has a different idea of their dream retirement. Whatever you envision, it’s essential to plan ahead so that your nest egg will last.
Learn More
Retirement Plan Options When You Leave a Job
You have several choices for what to do with your qualified retirement plan when you leave a job. Deciding among them is an important step in managing your retirement savings over time.
Learn More
Overcoming Your 5 Biggest Retirement Challenges
While saving for a retirement is an important topic, it’s at least as important as what comes next: Your plan of action once you enter retirement.
Learn More
A Simple Six-Step Retirement Checkup
Given recent market volatility, checking in on your retirement plan may make a lot of sense. Here’s a six-step retirement plan checkup that may be helpful, including how a Financial Advisor can help you adjust your plan as needed.
Learn More
The Millennial and Gen Z Guide to a Sweet Retirement
How the power of time can help savvy young investors grow an impressive portfolio. Even small contributions can make a big difference to an overall retirement portfolio.
Learn More
1031 Exchanges
Learn more about 1031 Exchanges and the benefits that they can offer
What Is a 1031 Exchange?Creating Your Plan
To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with your financial concerns and your long-term goals.
Our four step process was developed to help you achieve that goal:
Our four step process was developed to help you achieve that goal:
1. Setting Your Financial Objectives
Through a process of discovery and discussion, We will work with you to articulate your wealth goals. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, We'll look for potential gaps that may exist between your goals, and develop sound strategies to help clear the path.
2. Creating Your Strategy
Working from our understanding of you and your objectives, we will propose a financial plan that contains specific strategies designed to help meet those goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio.
3. Implementing Your Strategy
After discussing and refining your strategy, we'll work closely with you to bring the elements to life. Planning is a vital part of our process. Using tools to actively monitor your plans progress, making sure you are on track to meet your financial goals and objectives. If you prefer to invest in individual securities, We can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever the approach may be, we'll help you keep your strategy on track.
4. Reviewing Objectives & Performance
We view ongoing communications as the foundation of our successful collaboration with you. We'll make every effort to stay aware of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request when circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.
Digital Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
Morgan Stanley Online & MSMobile
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps. Enjoy features such as eAuthorizations, eDelivery and Total Wealth View.
Login to Morgan Stanley Online
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Total Wealth View
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eDelivery
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital Vault
2025 Tax Tables
For 2025 federal tax information, including Income Tax Tables, Deadlines, Contribution Limits and more.
View HereLocation
2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-0718(914) 225-0718
Meet The Rosenberg Chin Group
Financial Advisor, Financial Planning Specialist, Qualified Plan Financial Consultant, Portfolio Manager
Phone:
(914) 225-0692(914) 225-0692
Luke Tagliaferri
Registered Client Service Associate
Phone:
(914) 225-2007(914) 225-2007
About Robert J Rosenberg
Rob is a Senior Vice President, Senior Portfolio Management Director, and Financial Planning Specialist at the Purchase, NY office of Morgan Stanley. He has earned the CERTIFIED FINANCIAL PLANNER certification, awarded by awarded by the Certified Financial Planner Board of Standards, Inc.
Rob has a Masters Degree in Business Administration Majoring in Finance from Fordham University and has over 23 years of experience as a Financial Advisor. He is a seasoned professional who is competent to assist you in all your financial concerns. He is extremely focused on meeting the needs of his clients with the highest integrity and endeavors to treat everyone he works with, as he would work with a member of his own family. By utilizing his education and experience in financial matters, he strives to help his clients achieve their personal goals and dreams. He works diligently to make his clients feel comfortable to consult with him on all their financial issues.
He is married with two daughters, who are now both pursuing successful careers. In his spare time, he enjoys tennis, other sports, exercise, movies, travel, meeting new people and furthering his knowledge on a variety of subjects.
Rob has a Masters Degree in Business Administration Majoring in Finance from Fordham University and has over 23 years of experience as a Financial Advisor. He is a seasoned professional who is competent to assist you in all your financial concerns. He is extremely focused on meeting the needs of his clients with the highest integrity and endeavors to treat everyone he works with, as he would work with a member of his own family. By utilizing his education and experience in financial matters, he strives to help his clients achieve their personal goals and dreams. He works diligently to make his clients feel comfortable to consult with him on all their financial issues.
He is married with two daughters, who are now both pursuing successful careers. In his spare time, he enjoys tennis, other sports, exercise, movies, travel, meeting new people and furthering his knowledge on a variety of subjects.
Securities Agent: RI, DE, HI, TN, NY, NC, CO, SC, MO, VA, UT, OH, MI, CT, NM, MA, IL, DC, CA, WA, OR, NJ, KY, PA, FL, TX, MD, LA, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279562
NMLS#: 1279562
About Eric Chin
Working alongside my family members in their business created a passion for the business world. I subsequently chose to pursue the field of finance in college and as a profession. While still a youth I was introduced to the power of investing, and began to understand the impact and value of having a financial advisor to assist my family with their personal and business investment decisions. Wishing to have the same impact on those who surrounded me, I joined Morgan Stanley in 2019 and focused on holistic financial planning, wealth management, and investment strategies.
I earned a Bachelor’s Degree at Fordham University, and graduated at the top of my class. I studied Finance, with a concentration in Alternative Investments, and minored in Economics. Today, combining this specialized education with my experience, I am a professional determined to assist you in achieving your personal goals and addressing all of your financial concerns. Our team does this by employing custom asset allocations, risk management and disciplined investing. Our clients are like family, and we work diligently toward helping them achieve their goals. In doing this, our clients feel comfortable relying us for all of their financial matters. This allows them to focus more on their life priorities.
In my spare time, I enjoy golfing, skiing, and giving back to my alma maters, Iona Prep and Fordham University.
I earned a Bachelor’s Degree at Fordham University, and graduated at the top of my class. I studied Finance, with a concentration in Alternative Investments, and minored in Economics. Today, combining this specialized education with my experience, I am a professional determined to assist you in achieving your personal goals and addressing all of your financial concerns. Our team does this by employing custom asset allocations, risk management and disciplined investing. Our clients are like family, and we work diligently toward helping them achieve their goals. In doing this, our clients feel comfortable relying us for all of their financial matters. This allows them to focus more on their life priorities.
In my spare time, I enjoy golfing, skiing, and giving back to my alma maters, Iona Prep and Fordham University.
Securities Agent: OR, MI, LA, CT, FL, DC, WA, NY, NJ, MA, GA, VA, UT, OH, NC, CA, TX, NM, MO, MD, DE, PA, KY, IL, RI, HI, CO, TN, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2214501
NMLS#: 2214501
About Luke Tagliaferri
As a Client Service Associate at The Rosenberg Chin Group at Morgan Stanley, Luke is often the first line of contact on a broad array of client services. He is committed to providing each client with caring and personalized attention. He finds fulfillment in helping clients solve problems and delivering a positive experience with every interaction. Luke obtained his Series 7 and Series 66 as a testament to his continued education.
Through ongoing outreach and communication, Luke leads a number of important client servicing initiatives for the team. His many responsibilities include onboarding new clients and maintaining and enhancing client relationships. He takes a collaborative approach with clients while working with them on administrative and operational matters. He enjoys building deep and lasting relationships with clients and receives great satisfaction knowing he is helping them simplify their finances and achieve their long-term financial goals.
Prior to joining Morgan Stanley in 2021, Luke worked for the New York State Department of Health as a Case Investigator. He attended Fordham University and graduated from the Gabelli School of Business obtaining his degree in Applied Accounting and Finance. A Westchester native and current resident of Yonkers, NY, Luke enjoys traveling, fishing, and golfing in his free time.
Through ongoing outreach and communication, Luke leads a number of important client servicing initiatives for the team. His many responsibilities include onboarding new clients and maintaining and enhancing client relationships. He takes a collaborative approach with clients while working with them on administrative and operational matters. He enjoys building deep and lasting relationships with clients and receives great satisfaction knowing he is helping them simplify their finances and achieve their long-term financial goals.
Prior to joining Morgan Stanley in 2021, Luke worked for the New York State Department of Health as a Case Investigator. He attended Fordham University and graduated from the Gabelli School of Business obtaining his degree in Applied Accounting and Finance. A Westchester native and current resident of Yonkers, NY, Luke enjoys traveling, fishing, and golfing in his free time.
Contact Robert J Rosenberg
Contact Eric Chin
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
Yvette-Michelle Wynn
Senior Private Banker
About Yvette-Michelle Wynn
Yvette-Michelle Wynn is a Senior Private Banker serving Morgan Stanley Wealth Management offices in New York and Connecticut.
Private Bankers partner with 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.
Yvette joined Morgan Stanley in 2010. Prior to joining the firm, she was a Private Bank Sales Director for the Bank of New York. While at Bank of New York, her roles included Private Bank Relationship Manager, Regional Sales Manager and Branch Manager. She began her career as a personal financial planner at IDS Financial Services, now known as Ameriprise Financial.
Yvette is a graduate of Pace University, where she received a Bachelor of Business Administration in Finance. She is also a graduate of Fordham University, where she received a Master of Economics, and New York University, where she received a Master of Arts & Sciences in Liberal Studies. Additionally, Yvette earned a Professional Diploma in Credit Analysis from NYU.
Within the firm, Yvette serves as Co-COO of U.S. Banks BLEND (Black & Latino Employees for Network & Development), Membership & Community Working Group of the Black Employee Network (BEN), facilitator for the BEN Allyship series and is a #IamRemarkable facilitator. She was also inducted to the MAKERS Class of 2020 at Morgan Stanley. Outside of the office, she dedicates her time to community and faith organizations including President of the Metropolitan Association, United Church of Christ (UCC) and President of the Estate Planning Council of Westchester Counties Inc. She serves on the board of United Church Funds, Children’s Village and co-chairs the Loan Committee of Committee for Community Capital of New York, a Community Development Financial Institution (CDFI). She is active with Alpha Kappa Alpha (AKA) Sorority Incorporated and served as a Graduate Advisor. Yvette is active in ministry studies, dances hula and enjoys figure skating, tennis and traveling.
Private Bankers partner with 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.
Yvette joined Morgan Stanley in 2010. Prior to joining the firm, she was a Private Bank Sales Director for the Bank of New York. While at Bank of New York, her roles included Private Bank Relationship Manager, Regional Sales Manager and Branch Manager. She began her career as a personal financial planner at IDS Financial Services, now known as Ameriprise Financial.
Yvette is a graduate of Pace University, where she received a Bachelor of Business Administration in Finance. She is also a graduate of Fordham University, where she received a Master of Economics, and New York University, where she received a Master of Arts & Sciences in Liberal Studies. Additionally, Yvette earned a Professional Diploma in Credit Analysis from NYU.
Within the firm, Yvette serves as Co-COO of U.S. Banks BLEND (Black & Latino Employees for Network & Development), Membership & Community Working Group of the Black Employee Network (BEN), facilitator for the BEN Allyship series and is a #IamRemarkable facilitator. She was also inducted to the MAKERS Class of 2020 at Morgan Stanley. Outside of the office, she dedicates her time to community and faith organizations including President of the Metropolitan Association, United Church of Christ (UCC) and President of the Estate Planning Council of Westchester Counties Inc. She serves on the board of United Church Funds, Children’s Village and co-chairs the Loan Committee of Committee for Community Capital of New York, a Community Development Financial Institution (CDFI). She is active with Alpha Kappa Alpha (AKA) Sorority Incorporated and served as a Graduate Advisor. Yvette is active in ministry studies, dances hula and enjoys figure skating, tennis and traveling.
NMLS#: 796676
Wealth Management
From Our Team
What to Do If You Are Off Track on Your Goals
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Rosenberg Chin Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
3Morgan 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.
4Morgan 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
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Alternative 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Municipal 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.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
13When 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.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
3Morgan 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.
4Morgan 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
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Alternative 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Municipal 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.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
13When 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.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
