Senior Vice President, Wealth Advisor, Senior Portfolio Manager, Insurance Planning Director
Phone:
(201) 670-3466(201) 670-3466
The Sagamore Group at Morgan Stanley
Toll-Free:
(833) 365-0134(833) 365-0134
Our Mission Statement
The Sagamore Group’s collective experience, intellectual capital and dedicated client service model delivers a distinct experience, helping clients best navigate their individual set of financial needs and life goals.
Our Story and Services
The Sagamore Group is a team of experienced Financial Advisors, combining 100+ years of investment management experience with Morgan Stanley’s best-in-class wealth management platform to help clients navigate an ever-evolving financial landscape. Our primary mission is to offer the long-term guidance, stability and solutions necessary for our clients to preserve and grow their wealth while minimizing portfolio risks.
We place a high value on transparency, and our collaborative process is straightforward. Starting with a deep dive by Morgan Stanley’s proprietary Goals Planning System, we assess each client’s unique situation and develop a thorough understanding required to chart the proper course ahead. Next, using our portfolio risk analysis platform we analyze existing portfolios and potential liabilities to develop a complete picture of each client’s current financial health. Drawing upon the full resources of Morgan Stanley and our investment management expertise, we then construct a personal financial plan, including immediate actions required, to position you for short and long term success. Our proactive service model helps anticipate and evaluate any potential financial concerns, whether expected or unexpected, and we work dynamically with our clients to monitor and adapt to any changes that may occur over time.
The investment management industry finds itself at an inflection point of technological and innovative change the world has never before experienced. The steadfast guidance of a trusted advisor is needed now more than ever. Consistent, knowledgeable, and dependable, The Sagamore Group will serve as that trusted partner and guide throughout all of life’s journeys ahead. Please contact us through the “Contact us” button above to schedule a meeting and/or discuss our practice and philosophy in more detail.
Mike, Kevin, and Dave
We place a high value on transparency, and our collaborative process is straightforward. Starting with a deep dive by Morgan Stanley’s proprietary Goals Planning System, we assess each client’s unique situation and develop a thorough understanding required to chart the proper course ahead. Next, using our portfolio risk analysis platform we analyze existing portfolios and potential liabilities to develop a complete picture of each client’s current financial health. Drawing upon the full resources of Morgan Stanley and our investment management expertise, we then construct a personal financial plan, including immediate actions required, to position you for short and long term success. Our proactive service model helps anticipate and evaluate any potential financial concerns, whether expected or unexpected, and we work dynamically with our clients to monitor and adapt to any changes that may occur over time.
The investment management industry finds itself at an inflection point of technological and innovative change the world has never before experienced. The steadfast guidance of a trusted advisor is needed now more than ever. Consistent, knowledgeable, and dependable, The Sagamore Group will serve as that trusted partner and guide throughout all of life’s journeys ahead. Please contact us through the “Contact us” button above to schedule a meeting and/or discuss our practice and philosophy in more detail.
Mike, Kevin, and Dave
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You to Define and Achieve Your Goals
As a client of the Sagamore Group, our relationship begins with a thorough understanding of you – your needs, your lifestyle, family, and your goals for the future. Leveraging our vast resources, including intellectual capital, experience, and dedicated service, we can work with you to create a personalized wealth strategy. Over time, we will adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you.
Morgan Stanley’s personalized wealth management process is designed to provide a road map to your financial future.
This process can help you visualize the financial future you want for yourself and your family and outline the steps to achieve it.
Morgan Stanley’s personalized wealth management process is designed to provide a road map to your financial future.
This process can help you visualize the financial future you want for yourself and your family and outline the steps to achieve it.
Develop Understanding
Our process begins with an in-depth conversation with you to help clarify your financial goals, investment preferences and risk tolerance.
Conduct Analysis
Next, your Financial Advisor can review your current and future financial situation, identify the likelihood of reaching your goals, and address any potential shortfalls or the impact of unexpected life events.
Identify Risks
At the Sagamore Group, we proactively help our clients identify any potential risks that may pose a threat to their financial well-being. Using a dynamic risk assessment overlay, we identify current risks within your investment portfolios and offer suggestions for risk-mitigation strategies that will help decrease future portfolio volatility. Said another way, we help our clients understand the risks that they are currently taking and ensure that they are getting properly compensated for those risks they are willing to take.
To Learn More about the Portfolio Risk Process Click HereTailor Solutions
Utilizing all of the information ascertained through this thorough discovery process, your Financial Advisor will then create a customized strategy to help you achieve your objectives.
Implement and Deliver
As a client of the Sagamore Group along with the trusted guidance from your Financial Advisor, you’ll have access to a comprehensive array of products, services and accounts that, collectively, can provide you with the foundation for implementing and carrying out your financial strategy.
Ongoing Commitment
Finally, with the experience of our team and the comprehensive resources of Morgan Stanley, our Wealth Management process will monitor your progress in light of changing market conditions — or changes in your circumstances — and can recommend adjustments to help keep you on track.
Alternatives and how they can help your portfolio
Overview:
At the Sagamore Group, we utilize the Morgan Stanley Investment Management platform to help our clients best achieve their goals. As a leading provider of alternative investment strategies with expertise that spans across private equity, private credit, hedge funds, real estate, infrastructure and managed futures markets there is an individually tailored solution for each client’s unique needs. We are dedicated to serving the needs of our clients by delivering exceptional portfolios and custom alternative investment programs.
Philosophy:
Our alternative investments teams pursue a broad range of strategies in diverse markets and geographies, yet they share a common perspective on value creation meant to deliver improved risk-adjusted portfolio returns. Over the long term, the best means to deliver attractive, uncorrelated returns is to focus on segments where specialized expertise and a partnership approach is rewarded; structural dislocation, capital supply/demand imbalances and complexity prevail; and Morgan Stanley's resources and reputation provide unique sourcing, information and value-creation advantages. The use of alternative investments is a critical part of the Sagamore Group’s differentiated portfolio composition process and we look forward to exploring the solution that fits best for your individual needs.
At the Sagamore Group, we utilize the Morgan Stanley Investment Management platform to help our clients best achieve their goals. As a leading provider of alternative investment strategies with expertise that spans across private equity, private credit, hedge funds, real estate, infrastructure and managed futures markets there is an individually tailored solution for each client’s unique needs. We are dedicated to serving the needs of our clients by delivering exceptional portfolios and custom alternative investment programs.
Philosophy:
Our alternative investments teams pursue a broad range of strategies in diverse markets and geographies, yet they share a common perspective on value creation meant to deliver improved risk-adjusted portfolio returns. Over the long term, the best means to deliver attractive, uncorrelated returns is to focus on segments where specialized expertise and a partnership approach is rewarded; structural dislocation, capital supply/demand imbalances and complexity prevail; and Morgan Stanley's resources and reputation provide unique sourcing, information and value-creation advantages. The use of alternative investments is a critical part of the Sagamore Group’s differentiated portfolio composition process and we look forward to exploring the solution that fits best for your individual needs.
Custom Multi-Asset Solutions
Our expertise lies in managing custom alternative investment solutions that enable financial advisors to address the unique risk, return and liquidity objectives of their clients
Click here to learn morePrivate Equity
We seek unique situations where we have deep expertise, strong sourcing advantages and the ability to create value by leveraging the unparalleled resources of Morgan Stanley
Click here to learn morePrivate Credit
We are a financing source for middle-market companies and late-stage businesses in high-growth sectors primarily located in North America and Western Europe
Click here to learn moreHedge Funds
Our hedge fund solutions include custom portfolios; broadly-diversified, opportunistic and strategy-specific funds; and advisory services
Click here to learn moreReal Estate
We specialize in global opportunistic and regional core real estate investment strategies
Click here to learn moreInfrastructure
We focus on large-scale transportation, energy and utilities, communications, and social infrastructure projects in OECD countries and select emerging markets
Click here to learn more
Morgan Stanley Total Tax 365
Total Tax 365Tax Planning Checklist
Steps that May Reduce Taxes on Your Income and PortfolioTax Rates and Dates
2025 Tax TablesMorgan Stanley's Tax Resource Center
Please click on the link below for more tax resources as well as more ideas to help build and protect your wealth. Please contact the Sagmore group for additional details regarding any of these strategies and we would be happy to assist you.
Morgan Stanley's Tax Resource CenterWhy Your Corporate Retirement Plan Needs a Financial Advisor
You are providing your employees with one of the critical cornerstones of financial wellness. You are also enhancing your ability to retain your current employees and making your company more attractive to prospective ones. However, if you’re like many plan sponsors, the prospect of overseeing a complex retirement program and the investment options with the plan may seem overwhelming. Thankfully, there is help.
One of our Financial Advisors, Kevin Foord, retains the Corporate Retirement Director designation from our firm. Our goal is to help you provide the best plan to meet your business’s specific needs at a competitive cost without sacrificing service or value. I do this through benchmarking the plan platform; increasing administrative efficiencies; assisting with investment selection and monitoring; keeping you informed on changes in ERISA regulation and current best practices; and continuing plan management and engagement. Working with you to provide a competitive benefit, and communicating that value to your employees, are the critical components of sponsoring a successful retirement plan.
We would welcome a conversation about your plan today. Please click on the “Contact Us” button at the top of our website to set up time. In the meantime, see the resources below on how we can help.
One of our Financial Advisors, Kevin Foord, retains the Corporate Retirement Director designation from our firm. Our goal is to help you provide the best plan to meet your business’s specific needs at a competitive cost without sacrificing service or value. I do this through benchmarking the plan platform; increasing administrative efficiencies; assisting with investment selection and monitoring; keeping you informed on changes in ERISA regulation and current best practices; and continuing plan management and engagement. Working with you to provide a competitive benefit, and communicating that value to your employees, are the critical components of sponsoring a successful retirement plan.
We would welcome a conversation about your plan today. Please click on the “Contact Us” button at the top of our website to set up time. In the meantime, see the resources below on how we can help.
Location
61 South Paramus Road, 3rd
Fl
Paramus, NJ 07652
US
Toll-Free:
(833) 365-0134(833) 365-0134
Meet The Sagamore Group
Vice President, Financial Advisor, 401(k) Consulting Director, Corporate Retirement Director
Phone:
(201) 670-3472(201) 670-3472
Phone:
(201) 967-6331(201) 967-6331
Thomas LaMacchia
Registered Associate
About Michael Seaver
Michael Seaver, Senior Vice President Wealth Advisor, possesses 30+ years of finance industry experience, including more than 18 years as a Financial Advisor with Morgan Stanley. He is one of the founding partners of The Sagamore Group. As a designated Wealth Advisor at Morgan Stanley, Michael has developed a successful practice over the last two decades, focusing on solutions for high-net-worth individuals and families.
After earning his BS in finance from Providence College, Michael began his career in finance at Prudential Securities in Manhattan, where he was an institutional bond trader, treasuries and agencies, and rose to the level of Vice President. In addition, he served as a Vice President at Cantor Fitzgerald. Michael is Series 7, 31, 63 and 65 licensed by the Financial Industry Regulatory Authority (FINRA), as well as life and health insurance licensed by numerous states, including New Jersey, New York and Massachusetts, among others. He draws on Morgan Stanley’s vast resources and his own deep industry experience to help his clients achieve their most important goals.
Michael has lived in Ridgewood, N.J. with his wife, Ellen, and their two children for more than 20 years. Active in the community, Michael has been involved with numerous organizations, including the Ridgewood Chamber of Commerce, Ridgewood Soccer Association, and local Knights of Columbus Council, a service ministry of Our Lady of Mt. Carmel Church. Michael enjoys traveling with his family in his spare time and spending time together on beaches and hiking trails, from Cape Cod to California. He is an avid skier, golfer and cyclist.
After earning his BS in finance from Providence College, Michael began his career in finance at Prudential Securities in Manhattan, where he was an institutional bond trader, treasuries and agencies, and rose to the level of Vice President. In addition, he served as a Vice President at Cantor Fitzgerald. Michael is Series 7, 31, 63 and 65 licensed by the Financial Industry Regulatory Authority (FINRA), as well as life and health insurance licensed by numerous states, including New Jersey, New York and Massachusetts, among others. He draws on Morgan Stanley’s vast resources and his own deep industry experience to help his clients achieve their most important goals.
Michael has lived in Ridgewood, N.J. with his wife, Ellen, and their two children for more than 20 years. Active in the community, Michael has been involved with numerous organizations, including the Ridgewood Chamber of Commerce, Ridgewood Soccer Association, and local Knights of Columbus Council, a service ministry of Our Lady of Mt. Carmel Church. Michael enjoys traveling with his family in his spare time and spending time together on beaches and hiking trails, from Cape Cod to California. He is an avid skier, golfer and cyclist.
Securities Agent: CA, MD, TX, IL, FL, VT, UT, RI, NH, CO, PA, NC, LA, VA, CT, AZ, SC, NY, NJ, MN, MA, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274671
CA Insurance License #: 0I40182
NMLS#: 1274671
CA Insurance License #: 0I40182
About Kevin Foord
Kevin Foord's focus is on his client's achieving all that is important to them through a process that incorporates asset consolidation and comprehensive financial planning.
He enjoys working with individuals and business owners, helping them first identify their goals quantifying them and them providing his clients with practical, realistic recommendations, seeking to simplify complex financial situations into manageable pieces. His ability to express complex concepts in simple terms is one of the main reasons he is chosen to become his clients primary financial advisor. This affords him the opportunity to deal with clients holistically -- thereby assuring the coordinated management of all their assets.
He is the Chair of the American Heart Association, serves on the American Heart Association New York State Advocacy Committee and is Vice President of The Mended Hearts Chapter. Kevin and his wife Susan, married 41 years, reside in Washington Township, NJ and have four grown children and three grandchildren.
He enjoys walking his two dogs, going to the gym, cycling, swimming, gardening, and home improvement.
He enjoys working with individuals and business owners, helping them first identify their goals quantifying them and them providing his clients with practical, realistic recommendations, seeking to simplify complex financial situations into manageable pieces. His ability to express complex concepts in simple terms is one of the main reasons he is chosen to become his clients primary financial advisor. This affords him the opportunity to deal with clients holistically -- thereby assuring the coordinated management of all their assets.
He is the Chair of the American Heart Association, serves on the American Heart Association New York State Advocacy Committee and is Vice President of The Mended Hearts Chapter. Kevin and his wife Susan, married 41 years, reside in Washington Township, NJ and have four grown children and three grandchildren.
He enjoys walking his two dogs, going to the gym, cycling, swimming, gardening, and home improvement.
Securities Agent: CA, CT, DC, FL, GA, IL, LA, MA, ME, MN, NC, NE, NH, NJ, NV, NY, OH, PA, RI, SC, TX, VA, CO, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282530
NMLS#: 1282530
About David Natt
David Natt began his investment career in 1996 after earning a Bachelor's degree in Finance and Economics from Manhattan College. While working in various capacities, including research and institutional sales, at asset management firm Neuberger Berman, David received his MBA from Fordham University with a dual concentration in Finance and Economics. With a general focus on financial institutions, David continued his career with financial specialist firm Keefe, Bruyette & Woods on the institutional sales desk.
Prior to joining Morgan Stanley in 2018, David helped found Autonomous Research, an independent broker-dealer focused on the financials vertical. At Autonomous, he served on the Managing Partners committee and was responsible for managing the trading desk. Series 7, 24, 55, 63 and 67 licensed, David possesses a spotless regulatory record and exemplary supervisory background. Following a very successful and multi-faceted institutional career, David offers unique insights and experience for the benefit of his clients here at Morgan Stanley.
David currently serves on the finance committee for St. Paul R.C. Church in Ramsey, NJ and as Treasurer for the Mahwah Raiders travel soccer club. A graduate of Don Bosco Prep in Ramsey, NJ, he remains active in his local community and currently resides in Mahwah, NJ with his wife Christen and four children.
In his free time, he enjoys playing golf, spending time with his friends and family, and staying active in his parish community of St Paul R.C. Church. As a member of the Sagamore Group at Morgan Stanley, David looks forward to working closely with you to help best navigate the financial path ahead.
Prior to joining Morgan Stanley in 2018, David helped found Autonomous Research, an independent broker-dealer focused on the financials vertical. At Autonomous, he served on the Managing Partners committee and was responsible for managing the trading desk. Series 7, 24, 55, 63 and 67 licensed, David possesses a spotless regulatory record and exemplary supervisory background. Following a very successful and multi-faceted institutional career, David offers unique insights and experience for the benefit of his clients here at Morgan Stanley.
David currently serves on the finance committee for St. Paul R.C. Church in Ramsey, NJ and as Treasurer for the Mahwah Raiders travel soccer club. A graduate of Don Bosco Prep in Ramsey, NJ, he remains active in his local community and currently resides in Mahwah, NJ with his wife Christen and four children.
In his free time, he enjoys playing golf, spending time with his friends and family, and staying active in his parish community of St Paul R.C. Church. As a member of the Sagamore Group at Morgan Stanley, David looks forward to working closely with you to help best navigate the financial path ahead.
Securities Agent: CT, CO, PA, LA, TX, MA, CA, OH, FL, GA, SC, VA, RI, NC, MN, AZ, NY, NH, IL, NJ; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1864191
NMLS#: 1864191
About Thomas LaMacchia
Thomas LaMacchia joined the Sagamore Group in August of 2022 as a Registered Associate. He graduated with honors from Montclair State University with a degree in Business Administration, concentrating in Finance. Tom, who holds his Series 7 and 66 Licenses, as well as Life and Health Insurance Licenses, has a passion for cultivating client relationships and will assist our team with day-to-day operational and administrative duties.
Prior to joining Morgan Stanley, he was employed by Allied Wealth Partners, an Independent Registered Investment Advisory firm, where he worked closely with a wide variety of clients, developing comprehensive financial plans and striving to meet client goals.
Tom currently resides in Glen Rock, NJ. He remains active in his local community by volunteering for the Glen Rock Hockey Association and helps run the Morgan Hoffman Foundation at Arcola Country Club. In his free time, he enjoys spending time with family and friends, traveling, golfing, and playing hockey.
Prior to joining Morgan Stanley, he was employed by Allied Wealth Partners, an Independent Registered Investment Advisory firm, where he worked closely with a wide variety of clients, developing comprehensive financial plans and striving to meet client goals.
Tom currently resides in Glen Rock, NJ. He remains active in his local community by volunteering for the Glen Rock Hockey Association and helps run the Morgan Hoffman Foundation at Arcola Country Club. In his free time, he enjoys spending time with family and friends, traveling, golfing, and playing hockey.
Securities Agent: AK, NV, CA, SC, OK, MS, MN, ID, DC, AZ, VA, KY, IL, DE, AL, PR, PA, IN, FL, CO, WA, SD, OR, NJ, MA, LA, IA, HI, AR, WY, WV, UT, TX, OH, VT, VI, TN, RI, MO, WI, NY, NM, NH, ND, MT, NE, NC, MI, ME, MD, KS, GA, CT; General Securities Representative; Investment Advisor Representative
Contact Michael Seaver
Contact Kevin Foord
Contact David Natt
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
Don Janevski
Private Banker
About Don Janevski
Don Janevski is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
NMLS#: 197095
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
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Ready to start a conversation? Contact The Sagamore Group today.
1Investors 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.
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Structured 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.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Structured 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.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
