Chuck Rosenfield, CFP®
Senior Vice President, Financial Advisor, Investment Management Specialist
Phone:
(301) 396-3188(301) 396-3188
The Rosenfield Group at Morgan Stanley
Direct:
(301) 645-9304(301) 645-9304
Toll-Free:
(800) 992-3194(800) 992-3194
Our Mission Statement
For individuals and organizations who want to do more with their wealth, The Rosenfield Group is the financial services team that creates opportunity and delivers peace of mind by planning and managing a clear roadmap for your success.
Our Story
Located in the heart of Southern Maryland, The Rosenfield Group provides comprehensive wealth management solutions to local investors seeking advice and coordination of their financial affairs.
Investing is only one part of helping you manage your wealth, financial advisors with The Rosenfield Group take the time to get to know you and what you care about in order to create a plan to help you achieve your goals, preserve your wealth, and honor your legacy.
Investing is only one part of helping you manage your wealth, financial advisors with The Rosenfield Group take the time to get to know you and what you care about in order to create a plan to help you achieve your goals, preserve your wealth, and honor your legacy.
Services Include
- Wealth ManagementFootnote1
- Cash Management and Lending ProductsFootnote2
- Professional Portfolio ManagementFootnote3
- Financial PlanningFootnote4
- Retirement PlanningFootnote5
- Business PlanningFootnote6
- Planning for Education FundingFootnote7
- Corporate Retirement PlansFootnote8
- Trust ServicesFootnote9
- Stock Plan ServicesFootnote10
- Philanthropic ManagementFootnote11
- Estate Planning StrategiesFootnote12
- 401(k) Rollovers
- Alternative InvestmentsFootnote13
- Life InsuranceFootnote14
- Long-term Care InsuranceFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
DISCOVER - Our relationship begins with a thorough understanding of you - your needs, your lifestyle, your family, and your goals for the future.
CREATE - We work with you to develop a roadmap to help you pursue the outcomes you envision.
ACT - Next, we can help you implement investment, retirement, trust services, cash management and insurance solutions suited to your needs.
ADJUST - Achieving your goals requires vigilance and flexibility. We help you monitor your performance and recommend adjustments as life evolves, markets and tax laws shift, and priorities change.
CREATE - We work with you to develop a roadmap to help you pursue the outcomes you envision.
ACT - Next, we can help you implement investment, retirement, trust services, cash management and insurance solutions suited to your needs.
ADJUST - Achieving your goals requires vigilance and flexibility. We help you monitor your performance and recommend adjustments as life evolves, markets and tax laws shift, and priorities change.
Our Clients
Clients come to us for a multitude of reasons – but the biggest is trying to understand if they are on track to meet their goals. They have immediate concerns that can’t be answered by charts & graphs or an asset allocation:
• "What do I have to do to maintain my current lifestyle in retirement?"
• "Should I make a real estate purchase?"
• "What do I need to do to make sure my children are set for college?"
• “How much can I be gifting to my children and charity?”
• Their portfolio may consist of assets and liabilities in a variety of accounts, and they are looking to make sense of it all in a simple and efficient way.
Our team at Morgan Stanley's Laplata branch is comprised of experienced Financial Advisors who understand that most people simply want to know what they have to do to feel financially secure. And for different people, feeling financially secure can mean very different things. Whether you are seeking optimal portfolio construction and investment manager selection, or looking to understand how much to save or spend to stay on track to meet your goals, you can count on us to help you manage your financial life, no matter how complex it may be.
We help get you organized and understand what you’re earning, spending and saving and determine if the combination is putting you on the right road to achieving your goals. We help you make effective and efficient decisions for your financial life. As your life stage changes, so do your goals. We offer comprehensive financial planning that encompasses virtually every aspect of your financial life including banking, investing, borrowing, risk management, insurance, and estate planning. Finally, we offer exceptional service. Yes, we know everyone says that, but to us, service means saying yes more often than no. It means being there for you no matter what is happening in your life. It means providing you with solutions to your most complex challenges. And most of all, it means caring about you, your family, your plan, and your finances more than anyone else.
• "What do I have to do to maintain my current lifestyle in retirement?"
• "Should I make a real estate purchase?"
• "What do I need to do to make sure my children are set for college?"
• “How much can I be gifting to my children and charity?”
• Their portfolio may consist of assets and liabilities in a variety of accounts, and they are looking to make sense of it all in a simple and efficient way.
Our team at Morgan Stanley's Laplata branch is comprised of experienced Financial Advisors who understand that most people simply want to know what they have to do to feel financially secure. And for different people, feeling financially secure can mean very different things. Whether you are seeking optimal portfolio construction and investment manager selection, or looking to understand how much to save or spend to stay on track to meet your goals, you can count on us to help you manage your financial life, no matter how complex it may be.
We help get you organized and understand what you’re earning, spending and saving and determine if the combination is putting you on the right road to achieving your goals. We help you make effective and efficient decisions for your financial life. As your life stage changes, so do your goals. We offer comprehensive financial planning that encompasses virtually every aspect of your financial life including banking, investing, borrowing, risk management, insurance, and estate planning. Finally, we offer exceptional service. Yes, we know everyone says that, but to us, service means saying yes more often than no. It means being there for you no matter what is happening in your life. It means providing you with solutions to your most complex challenges. And most of all, it means caring about you, your family, your plan, and your finances more than anyone else.
Upcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
Online
Additional Replays
Community Involvement
Chuck is the current chair of the University of Maryland Charles Regional Hospital Board of Trustees and a former president of the St. Mary's Hospital Board of Directors. He shares his love of golf by assistant coaching McDonough High Schools golf team. An active member of the Terrapin Club, you will often find Chuck at University of Maryland events.
Kim is a member and past president of Zonta of Charles County, a member of the Leadership Maryland Class of 2014 and Leadership Southern Maryland class of 2010. She is a past president of the College of Southern Maryland Foundation Board of Directors and is the current President of the board for the Association of Professional Investment Consultants (APIC.)
Ben serves on the Board of Trustees for Sagepoint Senior Living.
Reese is the freshman team basketball coach at McDonough High School.
Kim is a member and past president of Zonta of Charles County, a member of the Leadership Maryland Class of 2014 and Leadership Southern Maryland class of 2010. She is a past president of the College of Southern Maryland Foundation Board of Directors and is the current President of the board for the Association of Professional Investment Consultants (APIC.)
Ben serves on the Board of Trustees for Sagepoint Senior Living.
Reese is the freshman team basketball coach at McDonough High School.
Location
107 Centennial St.
Ste 102A
La Plata, MD 20646
US
Direct:
(301) 645-9304(301) 645-9304
Toll-Free:
(800) 992-3194(800) 992-3194
Meet The Rosenfield Group
Kimberly Rosenfield, CFP®, CRPS®
First Vice President, Wealth Management, Financial Advisor
Phone:
(301) 396-3189(301) 396-3189
Benjamin Ganley
Financial Advisor
Phone:
(301) 396-3194(301) 396-3194
Reese Mona, QPFC
Financial Advisor
Phone:
(301) 396-3192(301) 396-3192
Liam Sheehy
Client Service Associate
Phone:
(301) 396-3185(301) 396-3185
About Chuck Rosenfield
In 1982, Chuck found his purpose and passion in helping people plan for their future and reach their financial goals. He works to ensure that they can live their best lives, free from financial concerns and worries.
Chuck was led to this role by his own personal experience. Just as he was celebrating his graduation from the University of Maryland in 1981, he lost both of his parents within an 18-month period. He learned at a very young age the power of having a financial plan and the peace of mind that comes with intentional preparation and prudent investment management.
With more than 40 years of experience, Chuck is a skilled and knowledgeable advisor. As the founder of The Rosenfield Group, Chuck oversees all aspects of the client experience – from discovery to financial planning and through implementation. He is the resident economic expert, lead idea generator, and treasured mentor to the rest of the team. He finds great fulfillment in helping clients understand complex financial concepts and feel confident in their investment decisions.
One of the core values to both Morgan Stanley and Chuck is giving back to the community. He has served Christmas in April, The Rotary Club of Leonardtown, St. Mary’s County Chamber of Commerce, St. Mary’s Hospital, and The University of Maryland Terrapin Club – and many as chair or president. He is currently the chair of the board of trustees for University of Maryland Charles Regional Medical Center. When he’s not working, serving, or spending time with his wife, Kim, you’ll see Chuck happily driving his convertible 1967 Chevrolet Chevelle to an area golf course.
Chuck was led to this role by his own personal experience. Just as he was celebrating his graduation from the University of Maryland in 1981, he lost both of his parents within an 18-month period. He learned at a very young age the power of having a financial plan and the peace of mind that comes with intentional preparation and prudent investment management.
With more than 40 years of experience, Chuck is a skilled and knowledgeable advisor. As the founder of The Rosenfield Group, Chuck oversees all aspects of the client experience – from discovery to financial planning and through implementation. He is the resident economic expert, lead idea generator, and treasured mentor to the rest of the team. He finds great fulfillment in helping clients understand complex financial concepts and feel confident in their investment decisions.
One of the core values to both Morgan Stanley and Chuck is giving back to the community. He has served Christmas in April, The Rotary Club of Leonardtown, St. Mary’s County Chamber of Commerce, St. Mary’s Hospital, and The University of Maryland Terrapin Club – and many as chair or president. He is currently the chair of the board of trustees for University of Maryland Charles Regional Medical Center. When he’s not working, serving, or spending time with his wife, Kim, you’ll see Chuck happily driving his convertible 1967 Chevrolet Chevelle to an area golf course.
Securities Agent: DC, CA, VA, LA, IL, WI, TX, NV, GA, PA, ME, MA, AL, WA, SC, NY, NC, WV, UT, TN, RI, MT, MD, HI, FL, NJ, DE, NH, MI, KY, IN, AK, CT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1279511
NMLS#: 1279511
About Kimberly Rosenfield
Kim often describes herself as a social worker for people with money concerns. Just as a social worker is devoted to helping people work through challenges they face in everyday life, good financial advisors are committed to strengthening and improving the lives of individuals, families, and organizations through personalized financial management.
Kim believes in the transformative power of education, so focuses on teaching and empowering her clients to make good financial choices. Investing is hard – from understanding complex products to overcoming natural human emotions that often lead to poor decisions. Kim is passionate about helping her clients learn, understand, and appreciate all that their money can do and use it to improve their own lives, their families, and their communities.
Kim has earned the CERTIFIED FINANCIAL PLANNER™, Chartered Retirement Plan Specialist™, and Qualified Plan Financial Consultant credentials. She holds special designations in workplace wealth so she can help deliver solutions to inspire both employers and employees toward financial wellbeing. Kim has completed leadership programs through Leadership Southern Maryland, Leadership Maryland, and Towson University’s Professional Leadership Program for Women.
Active in the community, Kim serves in governance roles for the Zonta Club of Charles County and The College of Southern Maryland Foundation where she focuses on empowering women by increasing access to education. Her work for the Association of Professional Investment Consultants (APIC) and the DC/Annapolis Complex Diversity & Inclusion Council centers around attracting more women to the financial services field.
Her greatest blessing is the opportunity to work with her best friend and husband, Chuck. Having successfully raised three children into adulthood and out of the house, they spend their free time traveling, playing golf, and working out at Coal Road CrossFit.
Kim believes in the transformative power of education, so focuses on teaching and empowering her clients to make good financial choices. Investing is hard – from understanding complex products to overcoming natural human emotions that often lead to poor decisions. Kim is passionate about helping her clients learn, understand, and appreciate all that their money can do and use it to improve their own lives, their families, and their communities.
Kim has earned the CERTIFIED FINANCIAL PLANNER™, Chartered Retirement Plan Specialist™, and Qualified Plan Financial Consultant credentials. She holds special designations in workplace wealth so she can help deliver solutions to inspire both employers and employees toward financial wellbeing. Kim has completed leadership programs through Leadership Southern Maryland, Leadership Maryland, and Towson University’s Professional Leadership Program for Women.
Active in the community, Kim serves in governance roles for the Zonta Club of Charles County and The College of Southern Maryland Foundation where she focuses on empowering women by increasing access to education. Her work for the Association of Professional Investment Consultants (APIC) and the DC/Annapolis Complex Diversity & Inclusion Council centers around attracting more women to the financial services field.
Her greatest blessing is the opportunity to work with her best friend and husband, Chuck. Having successfully raised three children into adulthood and out of the house, they spend their free time traveling, playing golf, and working out at Coal Road CrossFit.
Securities Agent: WV, LA, WA, VA, KY, IN, HI, GA, AL, NY, NJ, AK, TN, IL, DC, WI, RI, PA, NV, SC, NH, MA, DE, CA, FL, CT, UT, ME, MD, MT, TX, NC, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1268229
NMLS#: 1268229
About Benjamin Ganley
Ben is committed to helping individuals and families achieve their financial goals. He takes the time necessary to gain a deep and intimate understanding of his clients to build a foundation of trust. This enables Ben to develop tailored plans for clients that optimize each dollar earned, saved, invested, and donated to elicit the highest potential happiness.
Ben has a passion for educating clients on complex financial matters using relatable stories and analogies and believes in empowering them to make informed decisions about their wealth.
Ben started his career at Morgan Stanley Wealth Management in 2018 and joined The Rosenfield Group at Morgan Stanley in 2020. He serves as the team's head of financial planning. He graduated from Bentley University in 2016 with a degree in finance and worked as a credit risk associate at KPMG in Boston preceding his career transition to Morgan Stanley.
Ben and his wife, Aditi, have been happily married since 2021 and live in Old Town, Alexandria with their lovely dog, Peaches. He is an avid golfer and will forever remain a passionate Boston and New England sports fan. He enjoys cooking and eating foreign cuisines and has an insatiable passion for expanding his understanding of unfamiliar cultures and customs.
Ben has a passion for educating clients on complex financial matters using relatable stories and analogies and believes in empowering them to make informed decisions about their wealth.
Ben started his career at Morgan Stanley Wealth Management in 2018 and joined The Rosenfield Group at Morgan Stanley in 2020. He serves as the team's head of financial planning. He graduated from Bentley University in 2016 with a degree in finance and worked as a credit risk associate at KPMG in Boston preceding his career transition to Morgan Stanley.
Ben and his wife, Aditi, have been happily married since 2021 and live in Old Town, Alexandria with their lovely dog, Peaches. He is an avid golfer and will forever remain a passionate Boston and New England sports fan. He enjoys cooking and eating foreign cuisines and has an insatiable passion for expanding his understanding of unfamiliar cultures and customs.
Securities Agent: AK, KY, AZ, VA, MI, LA, IN, MD, DE, CO, CA, CT, MA, HI, FL, DC, MT, WV, WA, TN, SC, NV, NH, ME, KS, AL, NC, OR, WI, PA, GA, TX, NY, NJ, UT, SD, RI, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1968227
NMLS#: 1968227
About Reese Mona
Growing up on his family’s 37-acre working farm taught Reese Mona the values of hard work, humility, self-motivation, patience, and the importance of caring for others. Those values translated into a successful basketball career at the University of Maryland and have shaped him into the compassionate financial advisor he is today.
As a fully licensed advisor who has also earned the Qualified Plan Financial Consultant® credential, Reese has the knowledge and qualifications to provide advice, financial planning, and investment management solutions. But Reese’s real strength is his ability to build relationships and make connections. He develops comprehensive plans for individuals, families, and business owners to help them achieve their financial goals and leave the legacy they desire. Your family achieving their financial goals is as important to Reese as it is to his clients. That additional credential he earned also allows him to help corporate retirement directors build and manage retirement plans to provide the best care for their employees.
Reese played for four years on the University of Maryland Men’s Basketball Team, including the 2020 Big Ten Championship Team, while earning a Bachelor of Science degree in Finance and a Master of Science degree in Business Management. He still attends as many games as he can and is a member of The Terrapin Club. Reese maintains close connections with his fellow basketball alumni.
Reese enjoys being involved in athletic activities in his community. He works out at Coal Road CrossFit in La Plata, is the head freshman and assistant varsity coach for the Maurice J. McDonough High School basketball teams and plays in a pickleball league at Hawthorne Country Club. He also enjoys spending time with his close family and hiking and traveling with his wife, Brooke Mona. Reese and Brooke, both scholar athletes, met during their freshman year at Maryland
As a fully licensed advisor who has also earned the Qualified Plan Financial Consultant® credential, Reese has the knowledge and qualifications to provide advice, financial planning, and investment management solutions. But Reese’s real strength is his ability to build relationships and make connections. He develops comprehensive plans for individuals, families, and business owners to help them achieve their financial goals and leave the legacy they desire. Your family achieving their financial goals is as important to Reese as it is to his clients. That additional credential he earned also allows him to help corporate retirement directors build and manage retirement plans to provide the best care for their employees.
Reese played for four years on the University of Maryland Men’s Basketball Team, including the 2020 Big Ten Championship Team, while earning a Bachelor of Science degree in Finance and a Master of Science degree in Business Management. He still attends as many games as he can and is a member of The Terrapin Club. Reese maintains close connections with his fellow basketball alumni.
Reese enjoys being involved in athletic activities in his community. He works out at Coal Road CrossFit in La Plata, is the head freshman and assistant varsity coach for the Maurice J. McDonough High School basketball teams and plays in a pickleball league at Hawthorne Country Club. He also enjoys spending time with his close family and hiking and traveling with his wife, Brooke Mona. Reese and Brooke, both scholar athletes, met during their freshman year at Maryland
Securities Agent: NV, LA, GA, FL, RI, MI, IN, TN, MT, ME, IL, DC, WV, UT, SC, MD, MA, CT, AL, AK, WA, VT, VA, PA, NJ, NH, NC, KY, CO, WI, TX, OR, NY, HI, DE, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2497307
NMLS#: 2497307
Contact Chuck Rosenfield
Contact Kimberly Rosenfield
Contact Benjamin Ganley
Contact Reese Mona
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
Sean W. Ruediger
Private Banker
About Sean W. Ruediger
Sean Ruediger is a Private Banker serving Morgan Stanley’s Wealth Management offices in Washington D.C. and Maryland.
Sean began his career in financial services in 2012 and joined Morgan Stanley in 2016. Prior to joining the firm, Sean worked at PHH Mortgage as a Senior Loan Processor assigned to Morgan Stanley’s clients. Additionally, he was PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean is a Lean Six Sigma certified yellow belt. He and his wife reside in Maryland. Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
Sean began his career in financial services in 2012 and joined Morgan Stanley in 2016. Prior to joining the firm, Sean worked at PHH Mortgage as a Senior Loan Processor assigned to Morgan Stanley’s clients. Additionally, he was PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean is a Lean Six Sigma certified yellow belt. He and his wife reside in Maryland. Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
NMLS#: 1192383
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Rosenfield Group today.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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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
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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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When 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.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
13Alternative 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.
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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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
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 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.
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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When 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.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
13Alternative 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.
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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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)
