Phone:
(860) 572-2579(860) 572-2579
The Sartori Morales Group at Morgan Stanley
Direct:
(860) 572-2599(860) 572-2599
Our Mission Statement
Helping families pursue their financial goals by understanding their needs, offering impactful investment advice and providing a high level of service that leads to successful, lasting relationships
Our Story and Services
With more than 50 years of combined experience in the financial services industry, our team is dedicated to helping individuals meet their financial needs by developing investment plans around their long-term goals and risk tolerance. Our extensive experience throughout major shifts in the market, coupled with the vast resources of Morgan Stanley enables us to help our clients structure balanced portfolios to address their specific financial goals.
Services Include
- Wealth PlanningFootnote1
- Alternative InvestmentsFootnote2
- Professional Portfolio ManagementFootnote3
- Corporate Retirement PlansFootnote4
- Stock Option PlansFootnote5
- Business Succession PlanningFootnote6
- Cash Management and Lending ProductsFootnote7
- Long-term Care InsuranceFootnote8
- Divorce Financial AnalysisFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At the Sartori Morales Group we have a three-step process for determining whether we share a mutual connection with prospective clients and if we would work well together.
Step One: A Casual Introduction
There’s no need to bring any statements to this meeting. We first want to get to know you and your values. We have a conversation about what your needs are and ensure we connect on an individual level. Robert and JohnPaul will also discuss their background and how they are compensated.
Step Two: Dive into the Weeds
Your statements will be important for this meeting. Your financial resources and goals will be discussed to develop a plan that is unique to you and your needs.
Step Three: Implementation Begins
Once we present our plan and you agree to entrust us with your assets, we’ll begin logistical steps to formally start implementation, like account transfers and paperwork. We also set expectations for what you can expect moving forward – such as how often you prefer to check-in and how you like to be contacted.
Step Four: Monitor & Adjust
Life changes and we want to be by your side every step of the journey. We will conduct ongoing reviews to ensure our strategy adapts to ever-changing financial conditions and changes in your personal life. As your goals evolve we will adjust your strategy to help make sure you stay on the right track.
Helpful Resources For Our Valued Clients
Morgan Stanley Online
The Morgan Stanley Online (MSO) website and app acts as a home base to view your account balance and recent activity.
Within MSO you can:
* Approve wire transfers once enrolled in eAuthorization
* Send Money with Zelle®
* Manage everyday finances and track your spending
Login or Register for MSOWithin MSO you can:
* Approve wire transfers once enrolled in eAuthorization
* Send Money with Zelle®
* Manage everyday finances and track your spending
Total Wealth View
Through Morgan Stanley Online, Total Wealth View (TWV) gives you the ability to link and manage multiple financial accounts from different firms all in one place. This will allow you to conveniently see your entire wealth picture, analyze cash flows and benefit from more informed wealth planning.
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Sign up for eDelivery to start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient and secure.
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2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
See Tax Tables
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Report
Thoughts on the Market Podcast
Mike Wilson offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Listen HereWhen Your Employees Thrive, Your Company Thrives Too
We believe there’s no better investment your company can make than in your employees. When they work at their best, so does your business. We work to deliver financial solutions that can help employees build financial confidence and help you attract and retain top talent.
Financial Wellness
Our workplace solutions give employees the confidence to take charge of their finances – and their future. By improving your employees’ financial wellness, you can benefit from a more productive workforce.
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Equity Solutions
We design equity compensation solutions that can grow alongside your business and people at any stage. With tailored solutions, modern technology, hands-on guidance and dedicated service, we help you effectively administer equity while managing risk and compliance on a global scale.
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Make it easier on your leaders to understand their equity compensation, so they can focus on what matters: moving your company forward. Our Executive Services team will help your key employees understand how to stay compliant, while providing access to solutions that can support a diverse range of financial and lifestyle goals.
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Through a Nonqualified Deferred Compensation (NQDC) plan, your executives can save for the future while having the ability to take advantage of Morgan Stanley Wealth Management services.
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Secure 2.0 Act
Congress recently passed the Secure 2.0 Act, which is intended to make it easier for businesses to offer retirement plans to their employees. There are over 90 retirement-related provisions in the law, including a 100% start-up credit for small employers implementing a 401(k) plan for the first three years. You could be eligible for tax credits up to $5,000 based on the act. Please get in touch if you'd like to discuss this further.
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Stock Plan Participant Survey
Morgan Stanley at Work fielded a survey with 86,000 U.S. stock plan participants to gather insights and feedback about stock plan experiences and to explore the value of stock plan benefits in driving employee retention.
Read MoreResources to Support Employees
We are committed to promoting education and supporting employees on their financial journeys. No matter where you are in your life or career, we are here to help address your needs.
Budgeting 101
A budget is the backbone of any financial management strategy, but creating and sticking to one is often easier said than done. Check out the Budgeting 101 webinar to learn to help meet your needs and work toward your goals.
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Investing 101
Investing is an important life skill at any stage of a person’s career. Our Investing 101 webinar covers the fundamentals of investing to help individuals make informed decisions and put their money to work for them. When you've finished get in touch to learn about our Investing 201 webinar.
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Credit 101
Understanding your credit score—both how it’s calculated and how to establish a healthy one early on—can help increase your financial freedom and purchasing power in the future.
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Equity Compensation
Equity compensation can be one of the most valuable benefits offered by your company, but it’s important to understand how it works—and how it’s taxed.
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Creating an Emergency Fund
Keeping a reserve of cash on hand in case of an emergency is essential. Learn more about the steps you can take to create and maintain a proper emergency fund.
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Planning for Retirement
Whatever your unique vision for retirement looks like, proactive planning is the first step in bringing it to life.
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Saving for College
Saving money for the college costs of a child or grandchild can help limit how much your future student will have to borrow. Consider putting those funds into a 529 education plan, a tax-advantaged way to invest toward education expenses.
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The Psychology of Money
Exploring your relationship with money—what it means to you and what you hope to accomplish with it—can help you focus on managing your wealth to achieve your goals.
Learn MoreLocation
12 Coogan Blvd.
Suite 201
Mystic, CT 06355
US
Direct:
(860) 572-2599(860) 572-2599
Meet The Sartori Morales Group
Robert Sartori
Executive Director, Financial Advisor, Portfolio Management Director
Phone:
(860) 572-2576(860) 572-2576
Brenda Ayers
Senior Registered Client Service Associate
Phone:
(860) 572-2599(860) 572-2599
Anne Marie Petersen
Senior Client Service Associate
Phone:
(860) 572-2588(860) 572-2588
About Me
JohnPaul tailors his practice to holistic personal investment planning as well as family wealth preservation, generational transfers, corporate 401(k) plans, pensions, and profit sharing plans.
JohnPaul has over 21 years of experience in the financial industry. He enjoys getting a deeper understanding of his client's family’s goals, aspirations, and passions. Prior to being a Financial Advisor, JohnPaul was an accountant, controller, and 401(k) Trustee in the software engineering and government sector for 11 years. JohnPaul holds an Associate's Degree in Accounting from Dean College and a Bachelor's Degree in Accounting from the University of New Haven.
In his free time, JohnPaul enjoys cycling, golf, yoga, vegan cooking, and spending time with his family on Martha's Vineyard and in Portland, Maine. JohnPaul is an active member of the community where he has participated with the Enders Island Event Committee, Paul Newman's Hole in the Wall Camp, the Eastern Connecticut Symphony Orchestra, the Mystic YMCA, and the Dean College Business Advisory Board. JohnPaul lives in Stonington, Connecticut with his wife Donna and their two children Erica and JohnPaul Jr.
JohnPaul has over 21 years of experience in the financial industry. He enjoys getting a deeper understanding of his client's family’s goals, aspirations, and passions. Prior to being a Financial Advisor, JohnPaul was an accountant, controller, and 401(k) Trustee in the software engineering and government sector for 11 years. JohnPaul holds an Associate's Degree in Accounting from Dean College and a Bachelor's Degree in Accounting from the University of New Haven.
In his free time, JohnPaul enjoys cycling, golf, yoga, vegan cooking, and spending time with his family on Martha's Vineyard and in Portland, Maine. JohnPaul is an active member of the community where he has participated with the Enders Island Event Committee, Paul Newman's Hole in the Wall Camp, the Eastern Connecticut Symphony Orchestra, the Mystic YMCA, and the Dean College Business Advisory Board. JohnPaul lives in Stonington, Connecticut with his wife Donna and their two children Erica and JohnPaul Jr.
Securities Agent: LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, MA, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, HI, IA, NY, ID, IN, KS, KY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 174505
NMLS#: 174505
About Me
Bob provides comprehensive investment planning and portfolio construction. If a working relationship is developed, he can work with you to help achieve your goals.
For nearly three decades Bob has helped clients address their financial concerns and develop sound strategies by focusing on each individual's specific needs. With extensive experience throughout major shifts in the markets, Bob has dedicated his career to delivering the personalized investment planning services his clients deserve.
Bob began his career as a Financial Advisor in 1996 where he developed his fundamental investment knowledge and continues to take a team approach in providing personalized financial advice for individuals and families. Bob holds a bachelor's degree in Business from Eastern Connecticut State University where he was a 4 year baseball letterman and led his team to the 1987 College World Series.
Bob spends his free time with his wife, Athena, and their children Ben & Alaina. They like to stay active both physically and mentally, whether it's coaching an AAU baseball team or helping organize various fundraisers in their community. Bob enjoys skiing at Okemo Mountain, off-shore fishing in Beverly, MA, and golfing at various courses.
For nearly three decades Bob has helped clients address their financial concerns and develop sound strategies by focusing on each individual's specific needs. With extensive experience throughout major shifts in the markets, Bob has dedicated his career to delivering the personalized investment planning services his clients deserve.
Bob began his career as a Financial Advisor in 1996 where he developed his fundamental investment knowledge and continues to take a team approach in providing personalized financial advice for individuals and families. Bob holds a bachelor's degree in Business from Eastern Connecticut State University where he was a 4 year baseball letterman and led his team to the 1987 College World Series.
Bob spends his free time with his wife, Athena, and their children Ben & Alaina. They like to stay active both physically and mentally, whether it's coaching an AAU baseball team or helping organize various fundraisers in their community. Bob enjoys skiing at Okemo Mountain, off-shore fishing in Beverly, MA, and golfing at various courses.
Securities Agent: FL, CT, PA, MD, AZ, NV, NE, NC, RI, VT, NY, IL, VA, NJ, TX, NH, CA, MA, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2607958
NMLS#: 2607958
About Brenda Ayers
Brenda is passionate about helping clients achieve their financial goals and brings over 15 years of industry experience to the team. Prior to joining Morgan Stanley, Brenda was a Registered Client Service Associate and Financial Relationship Advisor at Wells Fargo Advisors. Before that she worked at TD Bank and Fleet Bank/Bank of America. In her day-to-day role with the Sartori Morales Group, Brenda delivers exceptional client service and assists with administrative and account needs.
Brenda holds a Bachelor's Degree in Business Administration and Finance from Eastern Connecticut State University and a Master's Degree in Business Management and Marketing from Rensselaer Polytechnic Institute.
In her free time, Brenda enjoys biking, running, skiing and gardening. She also loves spending time with her family and friends, including her two sons. Brenda resides in Niantic, Connecticut.
Brenda holds a Bachelor's Degree in Business Administration and Finance from Eastern Connecticut State University and a Master's Degree in Business Management and Marketing from Rensselaer Polytechnic Institute.
In her free time, Brenda enjoys biking, running, skiing and gardening. She also loves spending time with her family and friends, including her two sons. Brenda resides in Niantic, Connecticut.
About Anne Marie Petersen
Anne Marie is a financial professional with over 15 years of experience in the industry. She is highly knowledgeable about the many components of clients’ financial lives and is committed to delivering the highest level of customer service. Anne Marie manages day-to-day operations for the team and assists clients with administrative and operational account needs.
Anne Marie and her husband Bob live in Mystic, Connecticut, where they raised their three daughters. Spending time with her daughters, grandsons and extended family in the US and Ireland is very important to her. Anne Marie enjoys being outdoors, especially camping and kayaking. She is also actively involved in the community through a local organization working with the elderly and families in need.
Anne Marie and her husband Bob live in Mystic, Connecticut, where they raised their three daughters. Spending time with her daughters, grandsons and extended family in the US and Ireland is very important to her. Anne Marie enjoys being outdoors, especially camping and kayaking. She is also actively involved in the community through a local organization working with the elderly and families in need.
Contact JohnPaul Morales
Contact Robert Sartori
Wealth Management
From Our Team
The Sartori Morales Group - June 2024 Newsletter
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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
Article Image
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 Sartori Morales Group today.
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.
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’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.
4When 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.
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 (“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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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, charitable giving, philanthropic planning and other legal matters.
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
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.
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’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.
4When 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.
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 (“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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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, charitable giving, philanthropic planning and other legal matters.
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)
