Jack Evans
Senior Vice President, Financial Advisor
Phone:
(843) 727-7732(843) 727-7732
The Salt Marsh Group at Morgan Stanley
Jack EvansTerri MurrayDavid Armstrong, CFP®Madeline HugginsJoseph Lassiter, CAIA®, Chartered Alternative Investment Analyst
Direct:
(843) 727-7720(843) 727-7720
Toll-Free:
(800) 727-7701(800) 727-7701
Our Mission Statement
Helping clients like you achieve all of your retirement and investing goals
Welcome
What exactly do we do? Simply put, we help a select group of people to make important financial decisions. Our motto is "comprehensive wealth management with a personal touch."
What are some of those important financial decisions? "Will you be able to retire comfortably?" "Can you recreate your paycheck with the assets you have accumulated?" "When you stop working, will you be able to maintain your lifestyle?" "How will you be able to minimize risk during your retirement years?"
Our comprehensive wealth management process begins with a clear understanding of your financial goals and objectives as well as a deep appreciation of your comfort level with the inherent risk that investing brings. As the Salt Marsh Group at Morgan Stanley, we provide you with customized strategies for retirement planning, wealth accumulation and risk management. We accomplish this by bringing to you many years of experience, knowledge, and wisdom.
We have developed and refined our consultative process so that it begins with an in-depth discussion of your current finances and future plans. We can help address issues you might have overlooked that can have a significant impact on your ability to reach those dearly-held goals and objectives. And, finally, we will determine how we can help you adjust your investment strategy to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise before and during retirement.
What are some of those important financial decisions? "Will you be able to retire comfortably?" "Can you recreate your paycheck with the assets you have accumulated?" "When you stop working, will you be able to maintain your lifestyle?" "How will you be able to minimize risk during your retirement years?"
Our comprehensive wealth management process begins with a clear understanding of your financial goals and objectives as well as a deep appreciation of your comfort level with the inherent risk that investing brings. As the Salt Marsh Group at Morgan Stanley, we provide you with customized strategies for retirement planning, wealth accumulation and risk management. We accomplish this by bringing to you many years of experience, knowledge, and wisdom.
We have developed and refined our consultative process so that it begins with an in-depth discussion of your current finances and future plans. We can help address issues you might have overlooked that can have a significant impact on your ability to reach those dearly-held goals and objectives. And, finally, we will determine how we can help you adjust your investment strategy to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise before and during retirement.
Services Include
- Planning for Individuals with Special Needs and their Families
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- 401(k) Rollovers
- Business PlanningFootnote3
- Wealth ManagementFootnote4
- Wealth PlanningFootnote5
- Trust AccountsFootnote6
- Structured ProductsFootnote7
- Executive Financial ServicesFootnote8
- Estate Planning StrategiesFootnote9
- Divorce Financial AnalysisFootnote10
- Business Succession PlanningFootnote11
- AnnuitiesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Understanding Your Needs
As Family Wealth Advisors we believe that Comprehensive Wealth Management begins with a clear and concise understanding of our clients' financial goals and objectives, coupled with a deep appreciation of their risk tolerance. As The Salt Marsh Group at Morgan Stanley, our mission is to help people make better (or important) financial decisions, providing them with customized solutions for their retirement planning, wealth accumulation, risk management, and estate planning needs. This is accomplished by bringing many years of experience, knowledge, and wisdom to our client relationships.
Planning
Help you prioritize, organize, and simplify your financial situation—we manage the financial affairs of a select group of families, approaching our work as a “process” and not an “event”.
Diversification
Help you determine realistic goals, and manage your investments seeking to meet those personal goals rather than meet a benchmark—we will diversify and systematically re-balance your portfolio in order to help manage risk.
Clarity
Help you focus on Legacy Planning and keep you on track to facilitate the continuity of your family’s financial plan through the generations—we will help educate your children and grandchildren about investments and financial concepts if warranted.
Review
Review your external investments, such as: company 401(k) and 403(b) plans, and suggest modifications that aim to increase your income during retirement—help you decide when is the best time to start taking Social Security.
Taxes
Provide referrals to other professionals, such as attorneys and CPAs—work closely with your tax and legal advisors—direct you to a professional to assist with your trust and estate planning and probate needs.
Monitor
Guide you through difficult market periods by sharing historical perspectives—pay close attention to market conditions by being disciplined, organized, nimble, and opportunistic.
Assistance
Monitor changes in your life and family situation and remain only a phone call away to answer any of your financial questions without charge.
Transparency
Always be honest with you and be your trusted source for advice in all financial matters.
On Your Mind
We seek to have an advisory based relationship with our clients... a "consultative" relationship where clients pay for performance and advice, not transactions. This approach puts our clients' interest first and foremost. This is accomplished by having a collective 75+ years of experience in the financial services industry. We want to completely understand what our clients hope to achieve by having a relationship with us. In order for us to manage expectations, we need to know that we are a good fit for the client and that they are a good fit for our practice.
Here are a few questions asked by some of our clients. If you believe any of these questions relate to your financial concerns, or if you are looking for financial advice at all, please reach out to us.
Here are a few questions asked by some of our clients. If you believe any of these questions relate to your financial concerns, or if you are looking for financial advice at all, please reach out to us.
Am I Currently Saving or Investing Enough?
We understand that investors have financial issues that keep them awake at night. We want to know what these issues are and provide solutions that can make you feel more confident with your financial situation.
When I Stop Working, Will I Be Able To Maintain My Lifestyle?
We know that people have activities in which they wish to engage when they retire. Our job is to find those out what those dreams are and help accomplish them by constantly monitoring your retirement savings, providing recommendations in your best interest.
How Can I Leave Behind A Legacy?
Whether its for your generations to come or your choice of charity, we strive to help you decide when and how you want your assets to be distributed. We help initiate the steps necessary in order for you to leave an impact.
Do I Have An Exit Strategy Ready In Place?
Whether you are transitioning into retirement, pursuing a different career, or looking to sell a closely held family business, we are here to help you create a financial plan so that you don't fall behind. Life can present many opportunities, don't let your financial concerns stop you from starting a new chapter.
Why Morgan Stanley?
By working with us, you gain access to world class resources that we leverage in personal and customized ways. One example of how our clients benefit is by having access to the intellectual capital of our Global Investment Committee, a group of leading market expert uniquely dedicated to providing high-quality, industry-leading investment ideas to wealth management clients.
Learn More About Morgan Stanley Wealth Management HereAdditional Questions That We Help Answer
Do I have the proper choices in my 401(k) plan and is it enough to allow me to retire when I intend to?
Do I have the proper amount of insurance so my family will be taken care of if I die, become disabled, or am sued?
Is my estate plan up to date and do I have a will, a durable power of attorney, or a trust?
Does long-term care make sense for me?
Disclaimer:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Do I have the proper amount of insurance so my family will be taken care of if I die, become disabled, or am sued?
Is my estate plan up to date and do I have a will, a durable power of attorney, or a trust?
Does long-term care make sense for me?
Disclaimer:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect 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 features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Learn More Here- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn More Here
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More HereThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn More Here
Aladdin
Morgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Read Here
Goal Planning System
Morgan Stanley was awarded for its Goals Planning System (GPS) which integrates proprietary goal planning with the Firm’s investment proposal tool, allowing Financial Advisors to scale their practice, deliver an engaging client experience and provide an enhanced and intuitive platform for goal tracking and reporting.
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.
Read HereBuilt 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.
The Salt Marsh Group National Client Coverage Map
Our team works on a national level, having the licensing required to service clients from 30 different states. If you live in one of these states and are looking for someone who can take a deep dive into your assets and help provide you with the clarity you need for financial freedom, then contact one of our financial advisors today to get started.
We're eager to keep growing, so if you currently reside in a state we do not work with, please reach out to us and we can further discuss the possibilities of extending our coverage.
We're eager to keep growing, so if you currently reside in a state we do not work with, please reach out to us and we can further discuss the possibilities of extending our coverage.
Location
850 Morrison Drive
Ste 800
Charleston, SC 29403
US
Direct:
(843) 727-7720(843) 727-7720
Toll-Free:
(800) 727-7701(800) 727-7701
Meet The Salt Marsh Group
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(843) 727-7722(843) 727-7722
Madeline Huggins
Wealth Management Associate
Phone:
(843) 727-7740(843) 727-7740
Joseph Lassiter, CAIA®, Chartered Alternative Investment Analyst
Registered Client Service Associate
Phone:
(843) 727-7720(843) 727-7720
About Jack Evans
Jack Evans is a Senior Vice President and Financial Advisor who has been with Morgan Stanley since 2007. He has been a financial advisor since 1981, previously with Smith Barney and its predecessor firm, Robinson Humphrey. He has a wealth of knowledge, experience, and wisdom in helping people make important financial decisions.
A Charleston area native, Jack graduated with a BA and a Master’s from Clemson University. He and his attorney wife, Evie, have lived in Mt. Pleasant since 1983. They have three married children also living in the Charleston area: Drew and Kelly Evans, Emily and Thomas Limehouse, and Forrest and Anna Evans. Jack is active in church and community, serving as both a Deacon and an Elder at Mt. Pleasant Presbyterian, Past-President of the Rotary Club of Mt. Pleasant, and Past-President of Charleston Men’s Chorus, where he has been a member since 1994.
“Over all these many years I have been blessed to have been able to work with and been exposed to the very best of our industry. What they taught me about helping people make important financial decisions doesn’t have a shelf life. Investors want to work with someone they can trust, and that principal will stand the test of time.”
A Charleston area native, Jack graduated with a BA and a Master’s from Clemson University. He and his attorney wife, Evie, have lived in Mt. Pleasant since 1983. They have three married children also living in the Charleston area: Drew and Kelly Evans, Emily and Thomas Limehouse, and Forrest and Anna Evans. Jack is active in church and community, serving as both a Deacon and an Elder at Mt. Pleasant Presbyterian, Past-President of the Rotary Club of Mt. Pleasant, and Past-President of Charleston Men’s Chorus, where he has been a member since 1994.
“Over all these many years I have been blessed to have been able to work with and been exposed to the very best of our industry. What they taught me about helping people make important financial decisions doesn’t have a shelf life. Investors want to work with someone they can trust, and that principal will stand the test of time.”
Securities Agent: CO, KY, IL, TN, IN, VT, NJ, MD, FL, AR, AL, UT, OK, NH, KS, TX, OH, NY, AZ, WV, SC, OR, DC, MO, MA, LA, GA, CA, WA, VA, RI, NM, NC, MI, DE, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1288250
NMLS#: 1288250
About Terri Murray
Terri Collins Murray, a Financial Advisor with Morgan Stanley since 2015, brings to our team over 20 years of business experience managing relationships in the technology and financial services industries, previously working as a Personal Financial Consultant at Ernst & Young, Managing Director at Babson Capital now Barings, and Executive Customer Relations Manager at Amazon. Terri received a Bachelor of Science in Business Administration degree from the University of Richmond and a law degree from the Dickinson School of Law. Her education and professional and personal experiences fuel her passion for serving clients in the wealth management space. Terri’s focus areas include Financial Planning, Relationship Management, and Modern Wealth Management.
Terri has made Charleston her home since 2004. She has two sons, Briggs and Keaton, and loves to travel, read, ski, run, cook, and spend time with family and friends.
Terri has made Charleston her home since 2004. She has two sons, Briggs and Keaton, and loves to travel, read, ski, run, cook, and spend time with family and friends.
Securities Agent: PA, MO, MA, SC, NC, DC, CA, TX, OR, NJ, KY, IL, CO, WA, VT, NH, GA, AZ, MI, LA, FL, RI, KS, IN, DE, AL, WV, VA, UT, NY, TN, OK, OH, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1612991
NMLS#: 1612991
About David Armstrong
David always hoped he’d get the opportunity to work with his mother in the financial services industry someday. Instead, he got the opportunity to work with both his parents. The Financial Advisor team he founded with them provides clients with guidance that encompasses not only investments, but other dimensions of their financial lives. Dave's parents have since moved on from advisory, but Dave continues their legacy each & every day working with his clients.
David is a Morgan Stanley-credentialed Portfolio Manager who relieves clients of day-to-day investment decisions they would rather not make on their own. The proprietary portfolio strategy he developed is based on the concept of relative strength, a discipline that attempts to identify sectors with the greatest likelihood of outperforming or underperforming the overall market for the foreseeable future.
A veteran who served in the US Army, David received a BS in Business Administration from the E. Claiborne Robins School of Business at The University of Richmond. He is a firm believer in the value of education, having continued his studies to qualify for the prestigious Certified Financial Planner designation. These credentials help him take a more comprehensive view of his clients’ finances and create strategies that work in concert toward even their most challenging financial goals.
Outside the office, David coaches girls’ lacrosse in Readington Township, even though his two daughters have long since moved on to other interests. A former Eagle Scout who still takes pride in that accomplishment, David resides in Whitehouse Station with his family, not too far from where he was brought up and first envisioned his future career.
David is a Morgan Stanley-credentialed Portfolio Manager who relieves clients of day-to-day investment decisions they would rather not make on their own. The proprietary portfolio strategy he developed is based on the concept of relative strength, a discipline that attempts to identify sectors with the greatest likelihood of outperforming or underperforming the overall market for the foreseeable future.
A veteran who served in the US Army, David received a BS in Business Administration from the E. Claiborne Robins School of Business at The University of Richmond. He is a firm believer in the value of education, having continued his studies to qualify for the prestigious Certified Financial Planner designation. These credentials help him take a more comprehensive view of his clients’ finances and create strategies that work in concert toward even their most challenging financial goals.
Outside the office, David coaches girls’ lacrosse in Readington Township, even though his two daughters have long since moved on to other interests. A former Eagle Scout who still takes pride in that accomplishment, David resides in Whitehouse Station with his family, not too far from where he was brought up and first envisioned his future career.
Securities Agent: KS, IL, VT, OR, TN, PA, NY, NC, GA, CA, AL, IN, FL, DC, AZ, SC, WA, VA, UT, TX, OK, MA, DE, OH, MD, NH, KY, CO, NJ, LA, WV, RI, MO, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1272702
NMLS#: 1272702
About Madeline Huggins
As a dedicated employee to the business, Madeline helps run the team's client relationship management. She is responsible for welcoming new clients and ensuring current clients are taking full advantage of all our team has to offer. Her experience moving every 2 to 4 years with a father in the Navy has developed her ability to form lasting relationships with people so that she knows how to help meet each client's specific need as well as how to anticipate them. She has been working in the financial services industry with Morgan Stanley since graduating from the College of Charleston in 2012. She is FINRA Series 7 and 66 licensed and holds an Insurance license. Madeline currently resides in Mt. Pleasant and enjoys all of the water sports and sunshine that Charleston has to offer.
About Joseph Lassiter, CAIA®
A native of Mount Pleasant, Joe has worked along multiple channels of the financial services industry across Wall Street and local firms here in Charleston. He attended the University of South Carolina, where he graduated Summa Cum Laude with Degrees in Finance and Marketing from the Darla Moore School of Business. He currently holds life, accident, health, and disability insurance licenses as well as registration of Series 7/66 and his Chartered Alternative Investment Analyst designation. He takes great pride in serving clients to the best of his ability and being a team player regardless of the situation. In his spare time, he enjoys volunteering with youth basketball in the Lowcountry area, spending time with family, venturing outdoors and on the water, reading, and SEC football.
Contact Jack Evans
Contact Terri Murray
Contact David Armstrong
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Salt Marsh 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.
1When 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.
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.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
6Morgan 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.
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 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan 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.
11Morgan 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.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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
1When 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.
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.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
6Morgan 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.
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 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan 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.
11Morgan 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.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
