Scott A. Lewis, CFP®, QPFC, RICP®
Senior Vice President, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(517) 324-8005(517) 324-8005
The Scott Lewis Group at Morgan Stanley
Direct:
(517) 324-8005(517) 324-8005
Our Mission Statement
SERVE. EDUCATE. LEAD. INVEST. Taking a client-centric approach to wealth planning, we provide custom strategies for every step of your life. We help you build, preserve and transfer your wealth with clarity and confidence. Prioritizing relationships and advice over fees and commissions.
Our Story and Services
The Scott Lewis Group is a team of professionals, relentlessly focused on building genuine relationships, to make an impactful difference in the lives of our clients. The achievement of your financial and life goals is possible with the guidance of a dedicated and versatile wealth management group. Our client first approach identifies your most important needs and goals in order to construct a wealth management plan that is uniquely yours. Through each step of your own journey, we provide personalized advice and unwavering support to help make sure you have every opportunity to achieve your most ambitious life goals. We will apply a "blue collar" work ethic and work as hard for you, as you work for your money. As our team often says, "wealth doesn't just happen, it is a planned event," and we would like to help you plan for your future events.
Serve
We focus in working with the mass affluent, these investors are typically extremely driven, successful and intelligent individuals. We realize that many of our clients have the capability to self-direct their wealth management, if they wanted to invest the time and energy. That is why we put such at high emphasis on SERVICE. Our goal is to pay meticulous attention to detail on all the necessary, yet mundane tasks, so our clients can spend more doing things they enjoy. Our experienced support professionals will make sure to reach out proactively to help ensure regularly scheduled reviews are completed, to keep clients on track to meet their goals.
Educate
We are continually honing our craft to better ourselves for our clients. EDUCATION starts internally with our team. We subscribe to being life learners, consistently striving for new financial designations, degrees, and licensing. While at the same time, incorporating the latest financial technology tools into our practice. We then shift our educational goal to learning about our client. We typically say the hardest part of our job is getting to know the person, behind the portfolio. Before we can give quality advice, we must first EDUCATE ourselves on our client. We need to start with the end in mind, by learning our client's hopes, dreams, and goals. Only then can we begin to formulate a path forward. The last step is to EDUCATE our client on all the options, perils and items they will need to consider in an effort to accomplish their goals. Our clients are smart and don't necessarily need recommendations, they need to be educated on topics of their interest, to give them the resources and knowledge to make sound financial decisions.
Lead
Emotions can be a large part of anyone's financial journey. We will LEAD our clients through volatile times in their life and the market, with non-emotional, academically grounded advice. We will LEAD with quality ideas that are centered around client stated objectives. We will LEAD by collaborating with other professionals, our clients work with and depend on, such as CPA's and Estate planning Attorneys. We will LEAD by example in our own personal and financial lives.
Invest
Investing appropriately, is the bi-product of our first three pillars. We will use the depth and breadth of the firm's resources to potentially maximize return while seeking to reduce risk. As the saying goes buyers are born and sellers are educated. We will assist in the inception, monitoring, and the eventual sale of assets under management. Our goal is to help build, preserve and transfer wealth, though generational wealth planning and investing.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Plan Today to Achieve your Goals for Tomorrow
2025 Tax Tables
Make sure you're prepared for tax season by checking out the 2025 Tax Tables
Business Planning
You work hard to maintain your business and satisfy your clients - you also need to meet your own needs as well as the needs of your employees. You and your employees need to know that the hard work you perform will be rewarded. One of the ways to see your hard work pay off is by maintaining a retirement plan for your business.
Tax Smart Strategies for Your Retirement
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of retirement planning. Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
Retirement Account Conversions
By converting to a Roth IRA, you have taken a step that will potentially provide you with a tax-free income for your retirement and/or tax-free inheritance for your heirs. However, there are significant differences in how Roth IRAs are treated versus Traditional IRAs. The following questions and answers are designed to help you understand your new opportunities and limitations.
Strategies to Finance Your Business
Growth could be within your grasp—if you can get the right financing. We can help you take the right steps towards financing your business.
Social Security Benefits
If you've built a healthy nest egg for your retirement, you may not be relying on Social Security benefits to cover expenses when you stop working. Still, there are important considerations to keep in mind around when and how to claim Social Security that can help you make the most of your benefits for retirement and other financial goals.
Six Step Retirement Checkup
We'll help you understand the fundamentals of finance and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
Financal Literacy
Education is one of the four main pillars for The Scot Lewis Group. Financial literacy is one of the main determinants of someone's financial success, which is why we spend so much time on this topic. Everyone faces decisions about how to handle money. Our goal is to provide foundational knowledge to help invest, spend and save money wisely.
The Scott Lewis Group Monthly Newsletter
Mike Wilson: Thoughts On The Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Global Investment Committee On The Markets
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
Choosing a financial planner may be one of the most important decisions you make for yourself and your loved ones. Financial planners can provide you and your family with guidance over your lifetime, or work with you to address specific concerns as needed. A planner can play a central role in helping you meet your life goals and achieve financial well-being. Consequently, take the time to select a financial planner who is competent and dedicated, one on whom you can depend for professional advice and services. Your future depends on the choices you make.
Our Process
By implementing our six-step process, we will utilize a holistic approach to wealth management. We help to identify your most important needs and goals in order to construct a financial plan that is uniquely yours. This is your journey; we simply want to provide personalized advice and unwavering support to make sure you have every opportunity to achieve your most ambitious life goals. As our team often says, "wealth doesn't just happen, it is a planned event," and we would like to help you plan for your future.
Our CFP® Value: Scott Lewis
Unlike many financial advisors, CFP® professionals must develop their theoretical and practical knowledge by completing a comprehensive course of study at a college or university offering a financial planning curriculum approved by CFP Board.
Examination:
CFP® professionals must pass the comprehensive CFP® Certification Exam, which tests their abilities to apply financial planning knowledge to real-life situations.
Ethics:
When it comes to ethics and professional responsibility, CFP® professionals are held to the highest of standards. They are obliged to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence as outlined in CFP Board's Code of Ethics. The Rules of Conduct require CFP® professionals to put your interests ahead of their own at all times and to provide their financial planning services in the best interest of their financial planning clients.
Why Choose a CFP® Professional
Most people think all financial planners are "certified," but this isn't true. Anyone can use the title "financial planner", but only those who have fulfilled the certification and renewal requirements of CFP Board can display the CFP® certification trademarks. This represents a high level of competency, ethics and professionalism. Because they are held to a fiduciary standard of care, a CFP® professional is required to act in your best interest.
RICP®
The RICP® is the nation's leading credential for building integrated and comprehensive retirement income plans. A key focus is understanding, choosing, and executing a sustainable retirement income strategy from available resources—whether that means using systematic withdrawals from a portfolio, building a retirement income floor with bonds or annuities, or using a bucket strategy. The program, developed by more than 45 of the nation's top financial retirement advisors, provides RICP® credential holders with best practices in areas including:
• Social Security claiming
• Evaluating and addressing risks faced in retirement financial planning
• Choosing distributions from employer sponsored retirement financial plans
• Medicare and other health insurance choices
• Planning for long-term care needs
• Choosing appropriate housing
• Retirement income tax and legacy planning.
The Bottom Line
The Scott Lewis Group takes a client centric approach to comprehensive wealth planning by providing solutions for every step of your life; such as helping build, preserve, and transferring wealth. Once the planning has been done, our work is just beginning. We then will proactively monitor your progress to help ensure you're on track to achieve you short term and long term goals. Your plan is always a work in progress and it is never complete, but through consistent communication and team work we hope to make your financial planning journey a success.
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.
How to Stay Engaged
Watch videos of our Financial Advisors describing the advantages of working with The Scott Lewis Group. Also, check here for information on Morgan Stanley's virtual events featuring insight from professionals across all business, sports, and entertainment landscapes.
The first 6 videos are The Scott Lewis Groups' 6 step process implemented with all clients. The rest are informational pieces about timely content we believe all investors should tune into.
If you would like to learn more about any of these topics, use the "Contact Me" button on our Financial Advisor carousel to reach out!
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Wealth Education for the Next Generation: Money & Savings I Monday May 5th, 4:00PM ET
Learn about strategic financial planning at Morgan Stanley's next Wealth Education for the Next Generation session, "Money & Saving: Financial Planning and Why It Matters to Me." Financial planning is critically important in achieving personal financial goals like acquiring a dream home, starting a family or ensuring a secure retirement. Register today!
100 Days of Trump | Thursday, April 24th, 4:15PM ET
What do the policies of the administration's first 100 days indicate for the economy and the markets?
Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.
Location
2900 West Rd
Ste 300
East Lansing, MI 48823
US
Direct:
(517) 324-8005(517) 324-8005
Meet The Scott Lewis Group
Raquel Hernandez
Client Relationship Analyst
Phone:
(517) 203-2888(517) 203-2888
Emma Blanchard
Client Service Associate
Phone:
(517) 324-8003(517) 324-8003
About Scott A. Lewis
Scott A. Lewis, CFP®, QPFC, RICP®
Senior Vice President, Financial Advisor
Workplace Advisor - Equity Compensation
Investment Management Consultant (IMC)
Scott is a Financial Advisor, Senior Vice President, Certified Financial Planner™ (CFP®), Qualified Plan Financial Consultant (QPFC), Retirement Income Certified Professional (RICP®), Investment Management Consultant (IMC) and founding partner of the Scott Lewis Group. Scott also has completed a Collaborative Divorce Training and is considered a financial neutral.
Scott enjoys helping successful individuals, families and business owners solve their financial challenges. His results-driven approach includes the development of a tailored wealth plan and a commitment to ongoing education with outstanding service. Scott works closely with his clients to simplify their lives so they may enjoy their wealth and leave the legacy they desire.
Growing up in Lansing, Scott learned first-hand the joys and challenges of being an entrepreneur as he watched his parents run a successful plumbing business in town. Their achievements inspired Scott to build his own business that would be centered around his two biggest passions: finance and helping people. After graduating from Saginaw Valley State University (SVSU) with a degree in Finance, Scott began his wealth management career at Hilliard Lyons in 1999 and never looked back.
Over the years, Scott has built a successful practice around advising families on how to better understand and manage their total financial wealth and health. Through a goals-based process, he works diligently to provide clients with clarity and confidence about their finances. Scott’s motivation is fueled by the significant impact he strives to have on the quality of his client’s lives.
Scott’s passion for helping clients is equaled only by his dedication to his family and community. He and his wife, Jaime, currently live in Charlotte with their two children. They realize that being parents is the most rewarding job they will ever have and having children under their roof is an opportunity that exists on a timeline. Because of this, they try to spend as much time with their children as possible coaching or watching them play sports, riding bikes, hanging out at the lake, fishing, going on family adventures, doing therapy work with their family dog, and being outdoors. Scott and Jaime are very active in a number of local organizations, including St Gerard Church, JDRF, ADA, Ele's Place, Coaches vs. Cancer and Blessing in a Back Pack.
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.
Senior Vice President, Financial Advisor
Workplace Advisor - Equity Compensation
Investment Management Consultant (IMC)
Scott is a Financial Advisor, Senior Vice President, Certified Financial Planner™ (CFP®), Qualified Plan Financial Consultant (QPFC), Retirement Income Certified Professional (RICP®), Investment Management Consultant (IMC) and founding partner of the Scott Lewis Group. Scott also has completed a Collaborative Divorce Training and is considered a financial neutral.
Scott enjoys helping successful individuals, families and business owners solve their financial challenges. His results-driven approach includes the development of a tailored wealth plan and a commitment to ongoing education with outstanding service. Scott works closely with his clients to simplify their lives so they may enjoy their wealth and leave the legacy they desire.
Growing up in Lansing, Scott learned first-hand the joys and challenges of being an entrepreneur as he watched his parents run a successful plumbing business in town. Their achievements inspired Scott to build his own business that would be centered around his two biggest passions: finance and helping people. After graduating from Saginaw Valley State University (SVSU) with a degree in Finance, Scott began his wealth management career at Hilliard Lyons in 1999 and never looked back.
Over the years, Scott has built a successful practice around advising families on how to better understand and manage their total financial wealth and health. Through a goals-based process, he works diligently to provide clients with clarity and confidence about their finances. Scott’s motivation is fueled by the significant impact he strives to have on the quality of his client’s lives.
Scott’s passion for helping clients is equaled only by his dedication to his family and community. He and his wife, Jaime, currently live in Charlotte with their two children. They realize that being parents is the most rewarding job they will ever have and having children under their roof is an opportunity that exists on a timeline. Because of this, they try to spend as much time with their children as possible coaching or watching them play sports, riding bikes, hanging out at the lake, fishing, going on family adventures, doing therapy work with their family dog, and being outdoors. Scott and Jaime are very active in a number of local organizations, including St Gerard Church, JDRF, ADA, Ele's Place, Coaches vs. Cancer and Blessing in a Back Pack.
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.
Securities Agent: CA, TN, SC, MA, ID, MD, CO, PA, MI, IL, IA, VA, MN, FL, DE, WI, UT, GA, IN, WA, TX, KY, NC, NM, AZ, OH, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297709
NMLS#: 1297709
About Raquel Hernandez
As a Client Relationship Analyst, Raquel focuses on building strong client relationships and providing excellent client service. She is highly adept at handling a broad array of responsibilities and enjoys providing clients with a concierge service experience.
Raquel began her career in 2009 at Jackson National in the firm’s financial resource group. She joined Morgan Stanley in 2013 for the opportunity to work more directly with clients. Her industry knowledge and attention to detail provides clients with confidence, as she works to find potential solutions to their particular concerns. She earned her Associates Degree in Hospitality and Tourism from Lansing Community College in 2004. She is currently pursuing her Series 65 exam, her last one before she will be completely registered.
Raquel and her husband, Kiefer live in Holt. They have two boys Sheppard & Roman. She is an active volunteer for the Lansing Food Bank, Junior Achievement, Program of All-Inclusive Care for the Elderly (PACE), and other local organizations. In her free time, she enjoys golf, bowling, sand volleyball and traveling. She is also a huge Harry Potter “nerd” and has decorated her home with many images of the Hogwarts castle and quotes from the books. She even named her Shiba Inu Gryffindor.
Raquel began her career in 2009 at Jackson National in the firm’s financial resource group. She joined Morgan Stanley in 2013 for the opportunity to work more directly with clients. Her industry knowledge and attention to detail provides clients with confidence, as she works to find potential solutions to their particular concerns. She earned her Associates Degree in Hospitality and Tourism from Lansing Community College in 2004. She is currently pursuing her Series 65 exam, her last one before she will be completely registered.
Raquel and her husband, Kiefer live in Holt. They have two boys Sheppard & Roman. She is an active volunteer for the Lansing Food Bank, Junior Achievement, Program of All-Inclusive Care for the Elderly (PACE), and other local organizations. In her free time, she enjoys golf, bowling, sand volleyball and traveling. She is also a huge Harry Potter “nerd” and has decorated her home with many images of the Hogwarts castle and quotes from the books. She even named her Shiba Inu Gryffindor.
About Emma Blanchard
Emma is currently pursuing a degree in finance at Michigan State University and will graduate Spring of 2025. Her passion for wealth management and helping individuals achieve their financial goals began early in life. She has always been intrigued by the complexities of personal finance and balancing it all. This interest was greatly influenced by her parents, who have supported and pushed her to strive to be the best version of herself and to pursue her goals.
Emma began her career during my sophomore year by securing a competitive internship, leading to a client service associate position on her current team. This role has allowed Emma to develop hands-on expertise in client relations, financial planning, and service excellence, and is now transitioning into a paraplanner role. Alongside her career and academics, Emma successfully passed both the SIE and Series 7 exams and is currently preparing for the Series 66—an accomplishment she proud of as she balanced both academic and professional commitments.
Emma is excited to build upon these experiences and look forward to transitioning into an advisory role where she can contribute even more to clients’ financial success. Outside of work, Emma loves spending time with her two younger sisters, exploring new places, and walking her dog. Emma firmly believes that a well-balanced life is essential for success and fulfillment, a principle she aims to bring into all aspects of her career.
Emma began her career during my sophomore year by securing a competitive internship, leading to a client service associate position on her current team. This role has allowed Emma to develop hands-on expertise in client relations, financial planning, and service excellence, and is now transitioning into a paraplanner role. Alongside her career and academics, Emma successfully passed both the SIE and Series 7 exams and is currently preparing for the Series 66—an accomplishment she proud of as she balanced both academic and professional commitments.
Emma is excited to build upon these experiences and look forward to transitioning into an advisory role where she can contribute even more to clients’ financial success. Outside of work, Emma loves spending time with her two younger sisters, exploring new places, and walking her dog. Emma firmly believes that a well-balanced life is essential for success and fulfillment, a principle she aims to bring into all aspects of her career.
Contact Scott A. Lewis
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
Joseph V. Portera
Private Banker
Jessica Fitzgerald, CIMA®, CRPS®, CPM®, QPFC
Senior Vice President, Institutional Consulting Director, Corporate Retirement Director, Family Wealth Director, Government Entity Specialist
Michael Twentyman
Planning Associate
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
h and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
h and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
About Michael Twentyman
Michael Twentyman is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Michael provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University of Arizona and received the Financial Planning Specialist® designation from the College for Financial Planning. Michael is originally from Chatham, New Jersey and currently resides in New York City, NY.
He earned his undergraduate degree from the University of Arizona and received the Financial Planning Specialist® designation from the College for Financial Planning. Michael is originally from Chatham, New Jersey and currently resides in New York City, NY.
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
From Our Team
Top 5 Mistakes Investors Make in Volatile Markets
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
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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.
Ready to start a conversation? Contact The Scott Lewis 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When 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.
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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.
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*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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When 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.
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.
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The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
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:
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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.
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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), 3582895 (6/2024)
