Senior Vice President, Financial Advisor, Financial Planning Specialist, Alternative Investments Director, Insurance Planning Director
Phone:
(858) 597-7726(858) 597-7726
The TRJ Group at Morgan Stanley
Direct:
(858) 597-7724(858) 597-7724
Our Mission Statement
To empower our clients with personalized financial advice that helps them achieve their goals and secure their financial futures.
Our Story and Services
As a multigenerational team of financial advisors, we bring a wealth of knowledge, and experience to the table. We are passionate about helping our clients achieve their financial objectives and we recognize that every individual has unique goals, aspirations, and concerns. That's why we take the time to understand your financial situation, your investment preferences, and your long-term goals, in order to deliver a tailored strategy that aligns with your needs.
We are committed to preserving and growing your wealth over time, which is why we leverage our collective skills, experience, and insights to deliver a range of financial resources to you. You will 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.
At the heart of our approach is collaboration. We work closely with you and your family to develop a customized plan that is both comprehensive and flexible, so that it can adapt to changes in your life, the markets, and the economy. Our goal is to help you make informed decisions and avoid common emotional biases that can derail your investment strategy.
We are committed to preserving and growing your wealth over time, which is why we leverage our collective skills, experience, and insights to deliver a range of financial resources to you. You will 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.
At the heart of our approach is collaboration. We work closely with you and your family to develop a customized plan that is both comprehensive and flexible, so that it can adapt to changes in your life, the markets, and the economy. Our goal is to help you make informed decisions and avoid common emotional biases that can derail your investment strategy.
Services Include
- AnnuitiesFootnote1
- Business PlanningFootnote2
- Alternative InvestmentsFootnote3
- 529 PlansFootnote4
- Asset Management
- Business Succession PlanningFootnote5
- Cash ManagementFootnote6
- Certificates of DepositFootnote7
- Defined Contribution PlansFootnote8
- Estate Planning StrategiesFootnote9
- Exchange Traded FundsFootnote10
- Financial PlanningFootnote11
- Fixed IncomeFootnote12
- Life InsuranceFootnote13
- LGBT+ Planning ServicesFootnote14
- Long Term Care InsuranceFootnote15
- Municipal BondsFootnote16
- Philanthropic ManagementFootnote17
- Planning for Education FundingFootnote18
- Planning for Individuals with Special Needs and their Families
- Qualified Retirement PlansFootnote19
- Retirement PlanningFootnote20
- Sustainable InvestingFootnote21
- Stock Plan ServicesFootnote22
- Structured ProductsFootnote23
- Trust AccountsFootnote24
- Trust ServicesFootnote25
- UGMA/UTMAFootnote26
- Wealth PlanningFootnote27
- Wealth ManagementFootnote28
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PROCESS: FOCUSED ON YOU AND YOUR FAMILY
Our process begins with you. Charting a clear, confident course to financial success begins with understanding your values, priorities and aspirations. Working together, we define your personal goals, financial goals, and investment objectives and then develop the solutions and a financial plan to help you get there.
Client Discovery
Every client's situation is unique; we begin by learning about you, your family and your financial complexities. What we learn helps us to formulate specific strategies and, of equal importance, it helps us customize the entire relationship to your preferences and requirements,
Asset Allocation
After a comprehensive analysis of your goals we develop a tailored roadmap to help achieve the outcomes you eek. Managing wealth involves identifying the proper asset allocation mix to help achieve the goals we establish with the appropriate amount of risk and high regard for tax and estate considerations.
Portfolio Construction
Next, we help you implement the strategies we formulate together based on extensive analysis of expected results across a range of market scenarios. This process can help create the most efficient balance of risk and return for your specific strategy.
Monitoring & Review
Achieving your goals requires vigilance and flexibility. We help monitor progress and make adjustments to the wealth plan and investment strategy as markets and tax laws shift, life happens and priorities evolve.
Financial Planning for Every Aspect of Life
Our team is committed to helping our clients navigate the financial complexities of life through all stages. We work with our clients to develop detailed wealth plans and concrete strategies, from planning for retirement to planning for a family legacy, we can help every step of the way.
What is a Financial Plan?
A financial plan is more than just an investment strategy. It is a personalized roadmap that can help you make decisions about financial tradeoffs and manage your money throughout your life. In our working relationship, we'll review your assets, such as your investment portfolio; consider your liabilities, such as debt; and discuss your personal goals. Those details can help create a step-by-step plan that will map out your timeline to achieve short-and long-term goals.
What Is a Financial Plan and Why Do I Need One?Why Us?
As Financial Planning Specialists, Tomer Rabizadeh and Jacob Ruysschaert have underwent continuing education requirements that supplement their vast knowledge of planning concepts. We take pride in our diligent planning process and our tailored and personalized financial plans.
What Are Your Priorities?
We can help to formulate a tailored financial plan specific to your goals and needs. Wherever your priorities are, we can help!
- Retirement Planning
- Estate/Legacy Planning
- Wealth Accumulation
- Retirement Income
- Philanthropy Management
- Tax-Efficiency
- Insurance Planning
- Education Planning
Whether listed here or not, we are here to help.
- Retirement Planning
- Estate/Legacy Planning
- Wealth Accumulation
- Retirement Income
- Philanthropy Management
- Tax-Efficiency
- Insurance Planning
- Education Planning
Whether listed here or not, we are here to help.
MULTIGENERATIONAL WEALTH PLANNING WITH A MULTIGENERATIONAL TEAM
As a multigenerational team of financial advisors, we bring a wealth of knowledge and experience to the table. We are committed to and passionate about helping our clients achieve their financial objectives and preserving and growing family legacies.
Estate and Legacy Planning Strategies
We work with families to provide a roadmap for their assets. Estate planning begins with careful thinking about your family's goals and legacy. We take a holistic approach to the process and help our clients every step of the way: from important documents, insurance planning, coordination with your attorneys, trust services, to succession planning - all with tax efficiency in mind.
Wealth Transfer Planning Brochure
Philanthropy Management
We help our clients pursue their charitable and philanthropic goals, partnering with Morgan Stanley's Family Office Resources. For the families we work with, we help to determine the right strategy for realizing their philanthropic goals while maximizing the value of their gifts.
Philanthropy Management: Capabilities for Individuals and Families
Trust Services
We collaborate with Family Office Resources and Trust Specialists to help our clients build, protect and pass on their legacies. Building, protecting and passing on a legacy involves much more than just investing wisely, it requires careful analysis of your objectives, intelligent structuring of your assets, and integrated, strategic planning and implementation.
Preparing for Your Meeting with an Estate Planning Attorney
A Commitment to Multigenerational Education
Our commitment to the families we work with involves the entire family. We place great value in family conversations - preparing future generations with knowledge on the various factors of wealth planning. We aim to serve as a beacon for financial education.
Financial Planning Specialists (Jake Ruysschaert and Tomer Rabizadeh)
The Financial Planning Specialist (FPS) designation is a Morgan Stanley Wealth Management sponsored designation that provides the fundamentals of wealth accumulation and wealth management specifically for high-net-worth individuals. Advisors with this designation have a deep knowledge of key aspects of financial planning including investment strategies, tax implications, retirement planning, and estate planning.
Portfolio Manager (Jake Ruysschaert)
The Portfolio Manager designation is for active financial advisors who are certified in the Portfolio Management (PM) program. This designation indicates advisors that are able to manage client assets on a discretionary basis and is designed to provide personalized portfolio management typically reserved for major institutions, allowing financial advisors to tailor investment strategies to meet individual client needs.
Alternative Investments Director (Tomer Rabizadeh)
The Alternative Investments Director designation is for Financial Advisors who have the knowledge and experience to present Alternative Investments to qualified investors. As an Alternative Investments Director, Tomer provides individuals and institutions access to world-class investment strategies spanning private equity, real assets, private credit, hedge funds, and digital assets.
Insurance Planning Director (Tomer Rabizadeh)
The Insurance Planning Director (IPD) designation signifies a commitment to holistic goals-based wealth management planning by incorporating insurance solutions as a foundational component of risk management. This designation is designed for Financial Advisors who have demonstrated an understanding of integrating insurance into their practice. As an Insurance Planning Director, Tomer works with you to identify strategies that fit your family's unique situation and can be incorporated into your comprehensive wealth and legacy plan.
Location
4350 La Jolla Village Dr
Ste 1000
San Diego, CA 92122
US
Direct:
(858) 597-7724(858) 597-7724
Meet The TRJ Group
Phone:
(858) 597-7820(858) 597-7820
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(858) 597-7828(858) 597-7828
Adam Arthur
Registered Client Service Associate
Phone:
(858) 597-7725(858) 597-7725
Anthony Law
Registered Client Service Associate
Phone:
(858) 597-7724(858) 597-7724
Liza Rabizadeh
Registered Client Service Associate
Phone:
(858) 597-7712(858) 597-7712
About Tomer Rabizadeh
Tomer’s passion for helping families with their financial needs began in 2002, when he graduated from high school and immediately got a job working as a bank teller. After 5 years in retail banking, Tomer left to focus more time and effort on his education. While at UCLA, he focused on his other passion: everything having to do with American and Middle East politics. He graduated Summa Cum Laude from UCLA in 2008 with a Major in Political Science and a Minor in Public Affairs and then moved to New York City in 2009, to start his career.
Ironically, the Great Recession drew Tomer to a career in financial services, as the events of that period piqued his interest in Capital Markets. That, along with his perpetual thirst for knowledge, combined with his commitment to client service and education were the motivations for his choice to pursue his career. By early 2010 Tomer was licensed with a Series 7 and 63 and began working on Wall Street at a small firm in the heart of Manhattan’s Financial District. While in New York Tomer not only learned a great deal about U.S. equity markets and how to work with High Net Worth clients, he also met his wife. And after 4 short years, he realized he wanted to expand his client offering and begin a family.
Those factors led to his return to Los Angeles in 2013 and to him starting the next chapter of his career at Morgan Stanley as a Financial Advisor. Since then he has attained a Series 66, California Life Insurance and Long Term Care, an NMLS license as well as earning the Financial Planning Specialist and Portfolio Management designations at Morgan Stanley.
Direct:(818) 382-5703
Tomer.Rabizadeh@MorganStanley.com
Ironically, the Great Recession drew Tomer to a career in financial services, as the events of that period piqued his interest in Capital Markets. That, along with his perpetual thirst for knowledge, combined with his commitment to client service and education were the motivations for his choice to pursue his career. By early 2010 Tomer was licensed with a Series 7 and 63 and began working on Wall Street at a small firm in the heart of Manhattan’s Financial District. While in New York Tomer not only learned a great deal about U.S. equity markets and how to work with High Net Worth clients, he also met his wife. And after 4 short years, he realized he wanted to expand his client offering and begin a family.
Those factors led to his return to Los Angeles in 2013 and to him starting the next chapter of his career at Morgan Stanley as a Financial Advisor. Since then he has attained a Series 66, California Life Insurance and Long Term Care, an NMLS license as well as earning the Financial Planning Specialist and Portfolio Management designations at Morgan Stanley.
Direct:(818) 382-5703
Tomer.Rabizadeh@MorganStanley.com
Securities Agent: CA, ME, WA, ID, AR, IL, NH, MA, IA, AZ, NY, NJ, MI, MD, CO, NM, NC, VA, NV, HI, TN, OR, OH, FL, UT, AL, WY, TX, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1288225
CA Insurance License #: 0I78995
NMLS#: 1288225
CA Insurance License #: 0I78995
About Me
When Chip was 8 years old, his family moved across the world to Brussels Belgium. His father was in the pharmaceutical business and Parke Davis transferred him to Europe. After his high school graduation from The International School of Brussels, Chip decided to attend San Diego State University.
Chip’s first real job out of college was in financial services with The John Hancock Company. Chip never left the industry and thus has been in the Wealth Management business for 35 plus years. Chip considers Morgan Stanley to the best firm on Wall Street. Throughout the 35 years of friendships he has built with clients, Chip understands that trust between him and the client is the most important thing.
Chip has two sons Jake and Brady. Brady is a Life Flight Helicopter Medic for Mercy Air. Jake is a part of the team. Chip lives a very active lifestyle and loves to sail, play drums, snowboard, walk his dog, and travel.
Chip’s first real job out of college was in financial services with The John Hancock Company. Chip never left the industry and thus has been in the Wealth Management business for 35 plus years. Chip considers Morgan Stanley to the best firm on Wall Street. Throughout the 35 years of friendships he has built with clients, Chip understands that trust between him and the client is the most important thing.
Chip has two sons Jake and Brady. Brady is a Life Flight Helicopter Medic for Mercy Air. Jake is a part of the team. Chip lives a very active lifestyle and loves to sail, play drums, snowboard, walk his dog, and travel.
Securities Agent: NY, MS, ME, CT, UT, FL, TX, TN, IA, NC, MI, MA, SC, NV, NM, MD, IL, CA, ID, AZ, AL, WA, OR, OH, MT, CO, AR, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2266301
NMLS#: 2266301
About Jacob Ruysschaert
With more than 12 years of experience in the financial services industry, Jake offers comprehensive financial planning and investment strategies to high net-worth individuals, families, retirees, and business owners. He holds the coveted firm designation of Financial Planning Specialist, which provides additional retirement planning, wealth accumulation, and wealth management strategies and tools for high net-worth individuals.
Jake brings a service-oriented mindset and client-first approach to his work, honed from serving in multiple roles at UBS prior to joining Morgan Stanley. He holds a Bachelor of Arts degree in Economics from San Diego State University, of which he is a proud alumnus.
Outside of work, Jake enjoys living an active lifestyle and spending quality time with his wife, family, and friends. Some of his favorite hobbies include golf, snowboarding, camping, fishing, and backpacking.
Jake brings a service-oriented mindset and client-first approach to his work, honed from serving in multiple roles at UBS prior to joining Morgan Stanley. He holds a Bachelor of Arts degree in Economics from San Diego State University, of which he is a proud alumnus.
Outside of work, Jake enjoys living an active lifestyle and spending quality time with his wife, family, and friends. Some of his favorite hobbies include golf, snowboarding, camping, fishing, and backpacking.
Securities Agent: OH, NY, MI, SC, NC, IA, NV, ID, TX, NM, NJ, MD, WA, VA, OR, MA, FL, UT, TN, AR, PA, ME, IL, CA, CO, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2290379
CA Insurance License #: 4161527
NMLS#: 2290379
CA Insurance License #: 4161527
About Adam Arthur
Adam was born in Carmel, California before moving to San Diego in 2019 to attend San Diego State University. Here, he studied Business Administration with a focus in Finance. Upon graduating in May of 2023, Adam worked for a startup company where he supported independent financial advisors with Cetera Advisor Networks. He used this time to obtain his securities licenses and learn as much as he can about the financial services industry. In his free time, Adam enjoys golfing, taking his dog to the beach, and camping.
About Anthony Law
Anthony is originally from a small town in the northern part of New Jersey. He attended Fordham University where he was a double major in political science and sociology. Four years ago, Anthony moved out to San Diego. Most recently, he has been working at Charles Schwab as a Manager in their Advisor Services department where he would support independent financial advisors and their clients. Outside of work, he enjoys running, cycling, and spending time with friends – alongside his dog, Tino, and cat, Lucky.
About Liza Rabizadeh
Liza began her career with Morgan Stanley in January of 2020, after previously working in several operations' driven roles. She graduated from Penn State University with a dual degree in International Relations and Russian Literature.
Liza is looking forward to closely working with the team to enhance new and existing client relationships through Morgan Stanley's Client Service Model, streamlining the team's operations and driving client engagement in Morgan Stanley's proprietary modern wealth tools.
Liza, Tomer and their three children recently relocated to San Diego and are enjoying everything it has to offer.
Liza is looking forward to closely working with the team to enhance new and existing client relationships through Morgan Stanley's Client Service Model, streamlining the team's operations and driving client engagement in Morgan Stanley's proprietary modern wealth tools.
Liza, Tomer and their three children recently relocated to San Diego and are enjoying everything it has to offer.
Contact Tomer Rabizadeh
Contact Raymond "Chip" Ruysschaert
Contact Jacob Ruysschaert
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
A Simple Six-Step Retirement Checkup
Article Image
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
Rational Investing in an Age of Uncertainty
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
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
Article Image
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
Ready to start a conversation? Contact The TRJ Group today.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Alternative 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.
4Investors 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.
5Morgan 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.
6Morgan 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
7Investors 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.
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.
10An 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.
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Municipal 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.
17Products 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.
18When 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.
19When 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.
20When 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.
21Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
22Morgan 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.
23Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
24Morgan 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.
25Morgan 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.
26Morgan 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.
27Morgan 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.
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.
28Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Alternative 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.
4Investors 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.
5Morgan 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.
6Morgan 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
7Investors 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.
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.
10An 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.
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Municipal 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.
17Products 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.
18When 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.
19When 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.
20When 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.
21Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
22Morgan 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.
23Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
24Morgan 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.
25Morgan 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.
26Morgan 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.
27Morgan 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.
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.
28Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)