Senior Vice President, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist, Family Wealth Advisor
Phone:
(631) 548-4008(631) 548-4008
The Seacove Group at Morgan Stanley
Our Mission Statement
Experienced wealth management team dedicated to providing boutique advisory services tailored and managed for each client's unique objectives and risk constraints
Our Story and Services
The Seacove Group, a partnership formed by long time Morgan Stanley Financial Advisors and close friends Susan Palmer and Mary Jo White. The group is pleased to announce the addition of Collin Beardlee as a Financial Advisor on the team.
The three of us share similar approaches to serving clients in a thoughtful holistic manner. We relish the opportunity to counsel multiple generations of successful individuals, families and business owners on their investments, financial planning, tax planning, and estate planning strategies.
Susan and Mary Jo met more than a decade ago when a group of Morgan Stanley women Financial Advisors formed an Advisory Council, LIFT, with the goal of “lifting” all women, both internally and externally to the firm. Collin brings his extensive knowledge of wealth management and financial planning, making The Seacove Group a more efficient and diverse financial advisory team.
We are excited and energized for the team we are building. We encourage you to visit the different tabs in our website. We have curated this site to include resources and research that you may find useful. Our experienced and dedicated client service associates Lauren Parisen and Colleen Clancy-Cucuzzo will continue to work with us to support your needs.
Please reach out with any questions!
The three of us share similar approaches to serving clients in a thoughtful holistic manner. We relish the opportunity to counsel multiple generations of successful individuals, families and business owners on their investments, financial planning, tax planning, and estate planning strategies.
Susan and Mary Jo met more than a decade ago when a group of Morgan Stanley women Financial Advisors formed an Advisory Council, LIFT, with the goal of “lifting” all women, both internally and externally to the firm. Collin brings his extensive knowledge of wealth management and financial planning, making The Seacove Group a more efficient and diverse financial advisory team.
We are excited and energized for the team we are building. We encourage you to visit the different tabs in our website. We have curated this site to include resources and research that you may find useful. Our experienced and dedicated client service associates Lauren Parisen and Colleen Clancy-Cucuzzo will continue to work with us to support your needs.
Please reach out with any questions!
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Planning Process
Our process begins with you, your investment objectives and your financial goals. Our approach is holistic and encompasses all the elements of your financial life. We will work closely with you to create a tailored strategy to ensure that your goals are accomplished.
Discovery
We take the time to fully evaluate and understand the financial goals of you and your family. Whatever the situation, planning for retirement, looking for tax efficiencies, and defending your estate. We make sure to consider all of your needs, wants, and desires when building your financial plan. To do this, we need to understand what is most important to you.
Evaluation & Implementation
Using our institutional risk management framework to assess current assets and risk exposures, we will begin to construct a financial plan that resembles the vision you shared with us in discovery. Then, with your approval, we begin to implement the plan.
Communication
To ensure a personalized experience, we customize a communication plan that takes into account your preferences. The truth is, life throws curve balls and so do the markets, that's why we continuously communicate and work closely with each client.
Ongoing Review
Lastly, we meet regularly to ensure your plan and goals remains current and look at the progress made towards achieving your goals.
LifeView Financial Goal Analysis
Through the use of the LifeView Goal Analysis tool, we will work with you to create a personalized financial plan. Over time, we will adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you.
Let us help ensure that the future of your family & business are in good hands.
You can feel confident knowing that we dedicate our practice to helping safeguard what's most important to you:
- Donor Advised Funds are among one of the easiest and tax advantaged ways to give to charity for donors across the spectrum of wealth.
- Charitable Remainder Trusts aim to diversify asset holdings, potentially defer capital gains tax and benefit charity.
Multigenerational & Estate Planning Strategies
When the time comes, you may want to transfer your assets to your loved ones. It can be difficult to decide which financial products are right for you, based on your unique financial needs and risk tolerance. It can be even more difficult to ensure that these policies are updated to incorporate major changes in your family, such as: children, marriage, death, and divorce.
Charitable Giving & Philanthropy
Help achieve your financial goals while maintaining your values and ideals. While making investments with impact can seem daunting, there are several ways to implement investments that can benefit you and the world around you:
Business Succession Planning
Are you selling your business? Do you plan to keep it within the family? Or, is the sale of your business going to be offered publicly? Your family business is just as important as family itself. It's important to ask these questions and plan accordingly to your unique needs. Let's work together to help ensure you're prepared for any potential changes to the business environment and equip your successors to seamlessly transition into their future roles.
Education for the Next Generation
One of the chief concerns with growing families is planning their children's educational future. Deciding which investment vehicle will best set your child up for success decades in the future can be difficult and incredibly detail oriented. We make it our job to learn our client's needs and implement personalized strategies.
Any Questions?
If you have any questions about the information discussed here, please do not hesitate to reach out so that we may determine whether these investment strategies are right for you.
Team Honors & Awards
We are thrilled to be included in a number of awards and accolades to honor exemplary industry professionals:
Forbes Top Women Wealth Advisors Best-In-State 2025
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC based on time period from 9/30/23 - 9/30/24.
Forbes Top Women Wealth Advisors Best-In-State 2024
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22 - 9/30/23.
Forbes Best-In-State Wealth Management Teams of 2023
2023 Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2023). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22
Forbes Top Women Wealth Advisors Best-In-State 2022
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State Source: Forbes.com (Awarded Feb 2022) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21.
Forbes Top Women Wealth Advisors 2021/2022
Source: Forbes.com (Awarded 2021-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Working Mother & SHOOK Research's Top Wealth Advisor Moms ranking for 2020
Source: Workingmother.com (Awarded Oct 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Location
58 South Service Rd
Ste 400
Melville, NY 11747
US
Direct:
(631) 755-8857(631) 755-8857
611 E Main St
Riverhead, NY 11901
US
Direct:
(631) 548-4008(631) 548-4008
Meet The Seacove Group
Mary Jo White
Senior Vice President, Financial Advisor
Phone:
(631) 755-8857(631) 755-8857
Collin Beardslee, CEPA®
Financial Advisor, Certified Exit Planning Advisor™ (CEPA)
Phone:
(631) 548-4022(631) 548-4022
Colleen Clancy-Cucuzzo
Portfolio Associate
Phone:
(631) 755-1645(631) 755-1645
Lauren Parisen
Registered Client Service Associate
Phone:
(631) 548-4037(631) 548-4037
About Susan E Palmer
Susan and her team have the privilege of managing money for successful families and business owners. They work together in an effort to make smart financial decisions regarding their client's wealth management. The goal is to maximize their probability for financial success to build & maintain their wealth. Susan also believes in lending her voice to important issues both internally and externally to Morgan Stanley.
Susan has served as Treasurer and Board Member for the Mattituck Laurel Library, VP of Mattituck-Laurel Civic Association, and Rear Commodore of the Mattituck Yacht Club. She is also passionate about advocating and mentoring women and was a founding member and First President of LIFT: Women in Wealth at Morgan Stanley. Susan graduated with a B.A. in Sociology from SUNY at Stony Brook and stays dedicated to the education of others through a corporate partnership with Stony Brook. Outside of the office Susan and her husband, Carl Austin, live in Laurel on the North Fork of Long Island, where they have raised their four children, Charles, Chris, Clay, and Caty. Away from the office, Susan's interests are sailing and skiing with her family and enjoying her home on the Peconic Bay.
Susan has served as Treasurer and Board Member for the Mattituck Laurel Library, VP of Mattituck-Laurel Civic Association, and Rear Commodore of the Mattituck Yacht Club. She is also passionate about advocating and mentoring women and was a founding member and First President of LIFT: Women in Wealth at Morgan Stanley. Susan graduated with a B.A. in Sociology from SUNY at Stony Brook and stays dedicated to the education of others through a corporate partnership with Stony Brook. Outside of the office Susan and her husband, Carl Austin, live in Laurel on the North Fork of Long Island, where they have raised their four children, Charles, Chris, Clay, and Caty. Away from the office, Susan's interests are sailing and skiing with her family and enjoying her home on the Peconic Bay.
Securities Agent: TX, MN, MI, CA, WA, SC, RI, GA, NC, DE, NV, MD, CT, CO, OK, ME, NY, NH, MA, ID, AZ, PA, NM, NJ, FL, DC, VA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1312848
NMLS#: 1312848
About Mary Jo White
Mary Jo White is a Senior Vice President, Financial Advisor at Morgan Stanley. A seasoned wealth management professional with more than 28 years of experience in financial services, Mary Jo provides highly customized life stage financial planning strategies for individuals, families, and small business owners. She provides thorough planning and personalized strategies, with a focus on wealth management, for executives, entrepreneurs, and attorneys. Mary Jo is committed to delivering both outstanding service and advice to her clients, with passion and integrity is .
MJ is a graduate of the University of Arizona, where she had the opportunity to spend her last semester abroad in London studying the arts and literature. Coming from a self-made family, with a socialite grandmother, Mary Jo decided to begin her career as a Financial Advisor in 1994. She was presented with the opportunity to work as a Vice President in the Mergers & Acquisition group at Bluestone Capital before joining Smith Barney as a Financial Advisor in 2001. Mary Jo feels that her time in M&A has given her an edge in understanding the markets. She continues to assist her clients when they make the decision to sell their companies.
In the mid-1990s, a time when there were very few female advisors in the industry, Mary Jo’s concentration focused on women’s financial issues. Recognizing that women were often overlooked as potential clients and excluded from financial discussions, she set out to make a change within the industry. Through both financial workshops and events, Mary Jo began to dedicate much of her effort to educating and empowering others regarding their finances. She prides herself on serving as a catalyst for many of her clients, helping them make important connections which will often lead to new business opportunities, as well as achieving their goals.
Mary Jo’s passion for helping people is equaled only by her dedication to her family and community. Currently, Mary Jo sits on the Northwell Cancer Advisory Board. She is also the Co-Founder of the Women’s Initiative for the Western Long Island Complex and is active in many charitable giving and fundraising activities. To date, she is responsible for raising over $1,000,000 for the Leukemia & Lymphoma Society. She is extremely passionate about promoting and supporting women's health, specifically early detection for ovarian and breast cancer, as well as research for diagnostic tools. She is an active member of Morgan Stanley’s Women’s Organization - LIFT, an internal group comprised of select managers, advisors, and business partners. The Council is comprised of professional women within Morgan Stanley, who are dedicated to supporting their peers in both achieving business success and developing meaningful client connections through coaching, peer mentoring and recruiting activities.
Mary Jo currently resides in Lloyd Harbor with her loving husband Robert Pecoraro and two children, Shane & Ava. When MJ is not working as an advisor or charitable fundraising, you can find her spending quality time with family and friends. In her leisure time, Mary Jo enjoys mentoring the younger generation and helping them find their career path/goals. She also loves writing, cooking, entertaining, and playing with her pups.
Securities Agent: OR, NC, VT, TN, ME, NM, AZ, FL, MN, WA, PA, MD, DC, CA, MI, OH, IN, RI, MA, GA, SC, NJ, AL, TX, NV, ID, NY, CO, UT, NH, WI, WV, VA, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1395433
MJ is a graduate of the University of Arizona, where she had the opportunity to spend her last semester abroad in London studying the arts and literature. Coming from a self-made family, with a socialite grandmother, Mary Jo decided to begin her career as a Financial Advisor in 1994. She was presented with the opportunity to work as a Vice President in the Mergers & Acquisition group at Bluestone Capital before joining Smith Barney as a Financial Advisor in 2001. Mary Jo feels that her time in M&A has given her an edge in understanding the markets. She continues to assist her clients when they make the decision to sell their companies.
In the mid-1990s, a time when there were very few female advisors in the industry, Mary Jo’s concentration focused on women’s financial issues. Recognizing that women were often overlooked as potential clients and excluded from financial discussions, she set out to make a change within the industry. Through both financial workshops and events, Mary Jo began to dedicate much of her effort to educating and empowering others regarding their finances. She prides herself on serving as a catalyst for many of her clients, helping them make important connections which will often lead to new business opportunities, as well as achieving their goals.
Mary Jo’s passion for helping people is equaled only by her dedication to her family and community. Currently, Mary Jo sits on the Northwell Cancer Advisory Board. She is also the Co-Founder of the Women’s Initiative for the Western Long Island Complex and is active in many charitable giving and fundraising activities. To date, she is responsible for raising over $1,000,000 for the Leukemia & Lymphoma Society. She is extremely passionate about promoting and supporting women's health, specifically early detection for ovarian and breast cancer, as well as research for diagnostic tools. She is an active member of Morgan Stanley’s Women’s Organization - LIFT, an internal group comprised of select managers, advisors, and business partners. The Council is comprised of professional women within Morgan Stanley, who are dedicated to supporting their peers in both achieving business success and developing meaningful client connections through coaching, peer mentoring and recruiting activities.
Mary Jo currently resides in Lloyd Harbor with her loving husband Robert Pecoraro and two children, Shane & Ava. When MJ is not working as an advisor or charitable fundraising, you can find her spending quality time with family and friends. In her leisure time, Mary Jo enjoys mentoring the younger generation and helping them find their career path/goals. She also loves writing, cooking, entertaining, and playing with her pups.
Securities Agent: OR, NC, VT, TN, ME, NM, AZ, FL, MN, WA, PA, MD, DC, CA, MI, OH, IN, RI, MA, GA, SC, NJ, AL, TX, NV, ID, NY, CO, UT, NH, WI, WV, VA, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1395433
Securities Agent: VT, OR, MA, GA, IN, NC, CA, AZ, NV, NM, ME, OH, NY, MI, AL, UT, MD, LA, NH, WV, TN, ID, FL, DC, SC, DE, CT, WA, RI, PA, NJ, MN, CO, OK, VA, TX, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1395433
NMLS#: 1395433
About Collin Beardslee
Collin is a seasoned professional with The Seacove Group at Morgan Stanley with a decade of experience in the financial services industry. He is dedicated to helping clients achieve their financial goals through a comprehensive wealth management process. Leveraging his experience in asset allocation, financial planning, and risk management, Collin has an extensive track record for delivering an outstanding client experience.
Previously, Collin was with a group in Morgan Stanley’s Private Wealth Management division, working with some of the firm’s largest clients. Collin graduated from Bryant University where he received a degree in Finance and minor in Computer Information Systems. He holds the firm’s Financial Planning Specialist designation. He is also a Certified Exit Planning Advisor (CEPA), which allows him to guide business owners through their exit planning strategies. Throughout his career, Collin has worked with a diverse range of clients, including business owners, entrepreneurs, public executives, and wealthy families. He is committed to helping individuals navigate virtually all the important areas of their financial life.
With his wife, daughter and sheepadoodle, Collin lives on the beautiful North Fork of Long Island. Away from the office, he displays a passion for giving back through involvement with several charitable organizations. In his free time, he also enjoys spending time with family, golfing, snowboarding, and sailing.
Disclaimer:
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Previously, Collin was with a group in Morgan Stanley’s Private Wealth Management division, working with some of the firm’s largest clients. Collin graduated from Bryant University where he received a degree in Finance and minor in Computer Information Systems. He holds the firm’s Financial Planning Specialist designation. He is also a Certified Exit Planning Advisor (CEPA), which allows him to guide business owners through their exit planning strategies. Throughout his career, Collin has worked with a diverse range of clients, including business owners, entrepreneurs, public executives, and wealthy families. He is committed to helping individuals navigate virtually all the important areas of their financial life.
With his wife, daughter and sheepadoodle, Collin lives on the beautiful North Fork of Long Island. Away from the office, he displays a passion for giving back through involvement with several charitable organizations. In his free time, he also enjoys spending time with family, golfing, snowboarding, and sailing.
Disclaimer:
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Securities Agent: UT, NV, GA, AR, WY, TN, NH, ID, CT, AZ, SC, RI, PA, NJ, IN, HI, FL, VA, TX, OK, NY, MN, CO, VT, OH, IL, WA, VI, ME, NC, IA, DE, DC, PR, MA, NM, MO, MI, MD, CA, AK; General Securities Representative; Investment Advisor Representative
About Colleen Clancy-Cucuzzo
Colleen Clancy brings over 37 years of experience to our clients. She began her career at Dean Witter in 1988. She also previously worked at Smith Barney. Colleen is a Portfolio Associate and has her Series 7, 66 and New York State insurance licenses. Colleen is responsible for handling the team's day to day operations, workflow and client administrative requests. She takes pride in building strong relationships with our clients. Colleen lives with her son, Joseph in Glen Cove, Long Island and enjoys spending quality time with family and friends.
About Lauren Parisen
Lauren started in the Financial Industry in 2001 as a Client Service Associate. She moved into Operations as an Associate Director for about 9 years and in 2015, back to Registered Service Associate. Lauren acquired several FINRA licenses along with Life, Health & Variable Annuity insurance, and Property and Casualty Insurance license. Lauren graduated from Southern Connecticut State University in New Haven with a B.S. in Education. Lauren is married and living in Hampton Bays. She met her husband Rich, on the golf course. In her free time they enjoy playing golf together and they fish in Shinnecock and Tiana Bays on the South Fork.
Contact Susan E Palmer
Contact Mary Jo White
Contact Collin Beardslee
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
Kathleen Kowlessar
Associate Private Banker
James Colosi
Planning Associate
About Kathleen Kowlessar
Kathleen Kowlessar is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kathleen began her career in financial services in 2013, and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Store Manager at the TD Bank.
Kathleen is a graduate of the Zicklin School of Business, Baruch College, where she received a Master of Science in Finance and a Bachelor of Business Administration in Business Management. She lives in Garden City, New York with her family. Outside of the office, Kathleen enjoys spending time with her family, cooking and trying new foods.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kathleen began her career in financial services in 2013, and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Store Manager at the TD Bank.
Kathleen is a graduate of the Zicklin School of Business, Baruch College, where she received a Master of Science in Finance and a Bachelor of Business Administration in Business Management. She lives in Garden City, New York with her family. Outside of the office, Kathleen enjoys spending time with her family, cooking and trying new foods.
NMLS#: 1037493
About James Colosi
James Colosi 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. James 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 Rowan University and received the Financial Planning Specialist® designation from the College for Financial Planning. James is originally from Manasquan, NJ and currently resides in Jersey City, NJ.
He earned his undergraduate degree from Rowan University and received the Financial Planning Specialist® designation from the College for Financial Planning. James is originally from Manasquan, NJ and currently resides in Jersey City, NJ.
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
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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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Ready to start a conversation? Contact The Seacove Group today.
1Morgan 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.
2Morgan 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.
3When 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.
4Morgan 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.
5Morgan 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
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
2Morgan 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.
3When 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.
4Morgan 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.
5Morgan 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
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The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
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Awards Disclosures
CRC 6491812 (04/2024)
