Kenneth O'Connell, CRPS®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Advisor, Corporate Retirement Director, Global Sports and Entertainment Associate
Phone:
(702) 242-8361(702) 242-8361
The Sage Rock Wealth Management Group at Morgan Stanley
Kenneth O'Connell, CRPS®Michael BenShimon, CFA, CAIA, CPWA®Robert MartinAnnie Evans, CDFA®Ian Schmutz, CFP®Jerri Pratt
Direct:
(702) 242-8310(702) 242-8310
Toll-Free:
(800) 808-8440(800) 808-8440
Our Mission Statement
With a deep understanding of your priorities, we serve as your one point of contact for all aspects of your financial life by providing advice beyond investing. We strive to guide you in growing, preserving and distributing your wealth so you can focus on what brings meaning to your life.
Welcome
Welcome to The Sage Rock Wealth Management Group at Morgan Stanley, a team firmly rooted in Las Vegas, Nevada, while servicing clients nationwide. Our unique name encapsulates the philosophy and vision that drives our dedication to delivering clientele an exceptional wealth management journey. With over 100 years of combined industry experience, we apply a consultative, team-based approach, aiming to be the trusted source for all your financial needs.
"Sage," a term loaded with rich, dual symbolism, draws inspiration from the resilient Sagebrush, Nevada's state flower, standing as a testament to our deep-seated connection with our locale. In addition, "Sage" signifies the insightful and proactive advice we seek to provide. Our team is an assemblage of financial experts, seasoned with wisdom, prudence, and extensive experience in working through complex client situations. We pride ourselves on delivering sage advice, striving to help simplify, organize, and streamline the financial life of our clients.
"Rock" stands as a powerful metaphor, encapsulating our dedication to fostering stability and laying solid financial footing for our clients. Our goal is to provide a steadfast foundation amidst the many phases of life, empowering our clients to build robust and resiliently customized investment strategies.
At The Sage Rock Group, we seamlessly merge deep local insight, expansive financial acumen, and a steadfast commitment to helping our clients achieve their goals, whatever that might be.
"Sage," a term loaded with rich, dual symbolism, draws inspiration from the resilient Sagebrush, Nevada's state flower, standing as a testament to our deep-seated connection with our locale. In addition, "Sage" signifies the insightful and proactive advice we seek to provide. Our team is an assemblage of financial experts, seasoned with wisdom, prudence, and extensive experience in working through complex client situations. We pride ourselves on delivering sage advice, striving to help simplify, organize, and streamline the financial life of our clients.
"Rock" stands as a powerful metaphor, encapsulating our dedication to fostering stability and laying solid financial footing for our clients. Our goal is to provide a steadfast foundation amidst the many phases of life, empowering our clients to build robust and resiliently customized investment strategies.
At The Sage Rock Group, we seamlessly merge deep local insight, expansive financial acumen, and a steadfast commitment to helping our clients achieve their goals, whatever that might be.
Services Include
- Wealth PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Estate Planning StrategiesFootnote3
- Alternative InvestmentsFootnote4
- Business Succession PlanningFootnote5
- Cash Management and Lending ProductsFootnote6
- Philanthropic ManagementFootnote7
- Endowments and FoundationsFootnote8
- Executive Financial ServicesFootnote9
- Corporate Retirement PlansFootnote10
- Trust AccountsFootnote11
- Retirement PlanningFootnote12
- Divorce Financial AnalysisFootnote13
- Structured ProductsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
APPROACH
Step 1: Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Step 2: Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Step 3: Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Step 4: Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Step 5: Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Step 6: Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Our Suite Of Services
We deliver comprehensive services to a broad range of clients, who have accumulated a higher level of wealth and seek financial guidance on the following activities:
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connection across your personal life, your family, your career, and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Wealth Management
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles designed to help your assets appreciate appropriately or generate cash-flow or income as you require.
Professional Portfolio Management
Alternative Investments
Morgan Stanley’s global network affords us the ability to offer appropriate clients a wide array of alternative investments to consider – from Private Equity and REITs to Hedge Funds and Private Credit. Our recommendations are based on your own goals and your tolerance for investment risk.
Alternative Investments
Cash Management
Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Cash Management
Estate Planning and Philanthropic Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Estate Planning and Philanthropic StrategiesDigital Tools
Our comprehensive suite of digital tools are designed to help enhance most aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of digital features that help you keep track of your finances. They include mobile check deposit, paying your bills online, sending money through Zelle®, and accessing current market data, research, company profiles and quotes
Morgan Stanley Online
Cyber Security Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Cyber Security Resources
Total Wealth View
It’s hard to see the complete picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions in one location to give you and your financial advisor a full picture of your financial wealth and health. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Total Wealth View
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that awards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
Digital Vault
Digital Vault, available on Morgan Stanley Online and the Mobile App, allows you to build a centralized document library where files are stored using encryption.
Digital VaultA FINANCIAL PLAN MADE FOR YOU
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future and achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future and achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Portfolio Risk Platform - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More HerePortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Location
8548 Rozita Lee Ave
Ste 400
Las Vegas, NV 89113
US
Direct:
(702) 242-8310(702) 242-8310
Toll-Free:
(800) 808-8440(800) 808-8440
Meet The Sage Rock Wealth Management Group
Michael BenShimon, CFA, CAIA, CPWA®
Senior Vice President, Wealth Management, Family Wealth Director, Alternative Investments Director, Global Sports and Entertainment Associate, Certified Private Wealth Advisor®
Phone:
(702) 242-8331(702) 242-8331
Robert Martin
First Vice President, Financial Advisor
Phone:
(702) 242-8388(702) 242-8388
Phone:
(702) 242-8318(702) 242-8318
Ian Schmutz, CFP®
Vice President, Private Wealth Management, Financial Advisor
Phone:
(702) 242-8362(702) 242-8362
Jerri Pratt
Portfolio Associate
Phone:
(702) 242-8310(702) 242-8310
About Kenneth O'Connell
Kenny O’Connell, Chartered Retirement Plan Specialist CRPS®, joined Morgan Stanley as a Financial Advisor in 2010, and is currently a Executive Director. He started his career in 1997 with Prudential Securities. At Morgan Stanley, he holds the designations of Corporate Retirement Director, Senior Portfolio Manager, and Family Wealth Advisor. Kenny continually seeks higher education to remain at the forefront of current financial planning and investment strategies. Throughout his career, he has worked with many individual and corporate high net worth clients and has a passion for helping them achieve their many financial goals. Kenny has recently been named Forbes list as a Best-In-State advisor in 2023. Aside from being a member of Morgan Stanley’s Masters Club, Kenny was recently names to the prestigious Presidents Club.
Kenny has been a resident of Las Vegas since 1988 and is active in his church and community. He is an avid outdoorsman and loves riding his bike, skiing, and climbing mountains. Kenny is married to his best friend Jamie, and together they have three daughters. Their three daughters are all married and have blessed them with four grandkids. They all love spending time together as a family, which gives Kenny and Jamie the chance to spoil their grandchildren.
Kenny has been a resident of Las Vegas since 1988 and is active in his church and community. He is an avid outdoorsman and loves riding his bike, skiing, and climbing mountains. Kenny is married to his best friend Jamie, and together they have three daughters. Their three daughters are all married and have blessed them with four grandkids. They all love spending time together as a family, which gives Kenny and Jamie the chance to spoil their grandchildren.
Securities Agent: MA, KY, HI, WY, UT, NY, NV, LA, ID, SC, OK, ME, MD, KS, DC, OH, MT, AK, FL, WA, PA, OR, MN, IL, IA, CA, AZ, WI, NC, GA, TX, TN, NJ, IN, VA, NH, MS, MI, DE, CT, CO, AR, PR, WV, NE, AL, ND, SD, NM, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1265120
CA Insurance License #: 0C89938
NMLS#: 1265120
CA Insurance License #: 0C89938
About Michael BenShimon
Michael BenShimon CFA®, CAIA®, CPWA®, joined Morgan Stanley in September of 2019 and is currently a First Vice President, Financial Advisor. Previously, Michael spent time at BNY Mellon Wealth Management where he was a Senior Portfolio Manager. Prior to that, he was an Investment Strategist for Wells Fargo Private Bank, where he built customized investment strategies for high net worth and ultra-high net worth clients, worked on numerous research and white papers, and helped educate and train Financial Advisors throughout the state of Nevada. Michael has been involved in the Investment and Wealth Management space with a focus on High-Net Worth and Ultra High-Net Worth clientele for almost 15 years.
Michael graduated cum laude from the University of Nevada Las Vegas, with a dual major in Business Finance and Entrepreneurship. Michael currently holds the Chartered Financial Analyst Designation (CFA®), the Chartered Alternative Investment Analyst Designation (CAIA®), and the Certified Private Wealth Advisor Designation (CPWA®). He is very involved in the local community and non-profit space. Michael is currently a Board Member of the Boys & Girls Club of Southern Nevada, as well as a member of their Finance & Governance Committee. He is also a Board Member of Jewish Nevada.
Michael graduated cum laude from the University of Nevada Las Vegas, with a dual major in Business Finance and Entrepreneurship. Michael currently holds the Chartered Financial Analyst Designation (CFA®), the Chartered Alternative Investment Analyst Designation (CAIA®), and the Certified Private Wealth Advisor Designation (CPWA®). He is very involved in the local community and non-profit space. Michael is currently a Board Member of the Boys & Girls Club of Southern Nevada, as well as a member of their Finance & Governance Committee. He is also a Board Member of Jewish Nevada.
Securities Agent: NV, MD, IN, WI, WA, KS, HI, MO, GA, MN, DE, UT, TN, KY, IA, SC, OK, WY, NC, AZ, MT, MA, CA, OH, NY, MI, CO, FL, NJ, MS, ID, CT, VA, TX, PA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1925832
NMLS#: 1925832
About Robert Martin
Bob Martin has over 40 years of experience in the financial services industry. He joined Morgan Stanley in September of 2019 as a Vice President, Financial Advisor. Previously, Bob spent 14 years at BNY Mellon Wealth Management where he was Regional President. Prior to that, he was Regional President of Irwin Union Bank here in Las Vegas, Nevada after spending 17 years at Bank of America as a Senior Vice President in the Commercial Banking Group.
Bob received a bachelor’s degree from the University of Nevada, Reno. He is extremely involved in the local community and active in a wide variety of charitable and youth-oriented sports and education organizations. He is on the Executive Board of the Clark County Public Education Foundation, a member of the Board of Safe Nest and Co-Chairman of the annual Lions All-star Football Game. He is also a member of the Association for Financial Professionals, Henderson Chamber of Commerce, Las Vegas Chamber of Commerce, Southern Nevada Estate Planning Council, UNR Baseball Dugout Club, and UNLV Football Foundation.
Bob received a bachelor’s degree from the University of Nevada, Reno. He is extremely involved in the local community and active in a wide variety of charitable and youth-oriented sports and education organizations. He is on the Executive Board of the Clark County Public Education Foundation, a member of the Board of Safe Nest and Co-Chairman of the annual Lions All-star Football Game. He is also a member of the Association for Financial Professionals, Henderson Chamber of Commerce, Las Vegas Chamber of Commerce, Southern Nevada Estate Planning Council, UNR Baseball Dugout Club, and UNLV Football Foundation.
Securities Agent: NC, IA, AZ, MD, IL, DE, WI, MS, UT, NY, VA, HI, NJ, GA, NV, MI, WY, ID, CO, KY, CT, WA, TX, CA, PA, MO, KS, IN, FL, OH, MN, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1956795
NMLS#: 1956795
About Annie Evans
Annie Chang Evans has over 15 years of experience in the financial industry, working at TD Ameritrade, Merrill Lynch, and Charles Schwab. Annie is currently a Certified Divorce Financial Analyst and pursuing her international designation. Annie develops customized investment strategies designed to help her clients achieve their financial goals.
Annie has received several community awards for her activeness in the Asian American Community of Las Vegas. She was born in Taipei, Taiwan and moved to the United States at the age of two. Annie was also previously Miss Chinatown San Francisco and Miss Asian San Francisco. She speaks fluent Mandarin and enjoys traveling, spending time with her three children and watching the Golden Knights games!
Annie has received several community awards for her activeness in the Asian American Community of Las Vegas. She was born in Taipei, Taiwan and moved to the United States at the age of two. Annie was also previously Miss Chinatown San Francisco and Miss Asian San Francisco. She speaks fluent Mandarin and enjoys traveling, spending time with her three children and watching the Golden Knights games!
Securities Agent: NV, MD, KS, DE, WI, WA, TX, MN, ID, CO, UT, IL, NJ, NC, MO, IA, WY, MI, HI, FL, VA, CA, OH, AZ, NY, MS, IN, GA, PA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1032659
NMLS#: 1032659
About Ian Schmutz
Ian Schmutz, Financial Advisor, joined Morgan Stanley in 2019. Ian holds his FINRA Series 7 and 66 licenses and earned the prestigious CERTIFIED FINANCIAL PLANNER™️ in 2023. Ian received a Bachelor of Science degree in Finance from Utah Valley University.
Ian quickly learned the importance of retirement planning. Through a goals-based planning process, and first –class investment resources, Ian works closely with clients to provide a clear understanding, so they feel confident while preparing for their retirement.
Ian was born and raised in Orem, Utah but relocated with his wife and son in 2019. Together, they have planted roots and now call Northwest Las Vegas home. In his free time, Ian can be found running around with his son, Emmett and daughter, Georgia. He enjoys playing golf, basketball, and spending time with family and friends
Ian quickly learned the importance of retirement planning. Through a goals-based planning process, and first –class investment resources, Ian works closely with clients to provide a clear understanding, so they feel confident while preparing for their retirement.
Ian was born and raised in Orem, Utah but relocated with his wife and son in 2019. Together, they have planted roots and now call Northwest Las Vegas home. In his free time, Ian can be found running around with his son, Emmett and daughter, Georgia. He enjoys playing golf, basketball, and spending time with family and friends
Securities Agent: OH, NV, NM, IA, MI, WY, MO, DE, WA, MS, MN, IL, CT, SC, KS, ID, CO, CA, AZ, SD, NJ, MT, LA, HI, FL, DC, WI, UT, PA, MA, GA, TX, OK, NY, IN, VA, TN, NC, MD, KY, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1923257
NMLS#: 1923257
About Jerri Pratt
Jerri Pratt, Portfolio Associate, began her career in the financial industry in 1982 with Dean Witter Reynolds, Inc. as a receptionist. After becoming a Registered Sales Assistant, she was promoted to Operations Manager, the office she held until leaving to take the position of Administrative Manager at Prudential Securities. In November 2005, she was approached by Jason and Kenny, whom she had worked with at Prudential Securities, to be a part of their group at Banc of America Investment Services, Inc.
Jerri holds the following securities licenses: General Securities Representative (Series 7), General Securities Sales Supervisor (Series 9/10), Uniform Securities Agent State Law (Series 63), Uniform Investment Adviser Law (Series 65). She is also Health, Life, Variable Annuities/Variable Life insurance licensed.
Jerri was born and raised in Las Vegas. She is married with three children and five grandchildren.
Jerri holds the following securities licenses: General Securities Representative (Series 7), General Securities Sales Supervisor (Series 9/10), Uniform Securities Agent State Law (Series 63), Uniform Investment Adviser Law (Series 65). She is also Health, Life, Variable Annuities/Variable Life insurance licensed.
Jerri was born and raised in Las Vegas. She is married with three children and five grandchildren.
Contact Kenneth O'Connell
Contact Michael BenShimon
Contact Robert Martin
Contact Annie Evans
Contact Ian Schmutz
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
Savanah Arellano
Associate Private Banker
About Savanah Arellano
Savanah Arellano is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Nevada and California.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Savanah began her career in financial services in 2005, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Associate at U.S. Bancorp.
She lives in Las Vegas, NV with her family. Outside of the office, Savanah enjoys reading, cooking and spending time with her kids at their sporting events and volunteering in their classrooms.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Savanah began her career in financial services in 2005, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Associate at U.S. Bancorp.
She lives in Las Vegas, NV with her family. Outside of the office, Savanah enjoys reading, cooking and spending time with her kids at their sporting events and volunteering in their classrooms.
NMLS#: 679740
Wealth Management
From Our Team
An Overview of 2017 Tax Legislation
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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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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.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The Sage Rock Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan 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.
4Alternative 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.
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
7Products 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.
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, charitable giving, philanthropic planning and other legal matters.
9Morgan 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.
10When 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.
11Morgan 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.
12When 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.
13Morgan 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.
14Structured 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.
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
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan 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.
4Alternative 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.
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
7Products 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.
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, charitable giving, philanthropic planning and other legal matters.
9Morgan 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.
10When 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.
11Morgan 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.
12When 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.
13Morgan 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.
14Structured 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.
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
CRC 6491812 (04/2024)
