Bruce Bennett
Senior Vice President, Financial Advisor, Senior Investment Management Consultant, Senior Portfolio Management Director
Phone:
(360) 613-1974(360) 613-1974
The Second Level Group at Morgan Stanley
Direct:
(360) 613-1974(360) 613-1974
Our Mission Statement
Delivering deliberate and proactive investment strategies that look beyond the immediate and the obvious to help you achieve your financial goals.
Welcome
Greatness is dependent on second-level thinking. In any domain, whether it be business, sports, or investing, success calls for more perceptive thinking. Seeing things others miss and bringing insight others don’t possess. These are the things our team does daily to help you build a financial legacy that aligns with your values, passions, and goals.
We have over 30 years of experience in the financial services industry, leveraging second-level thinking time and again for the benefit of clients like you. We do this through a holistic approach that is designed to incorporate virtually all your financial needs with the objective of you reaching your financial goals. Our team’s objective is for you to look at us as one of your most important financial resources, using our knowledge and experience in various aspects of your financial life.
Part of our second-level process is knowing that success in investing is the antithesis of simple. However, that doesn’t mean it has to be complicated for you. Backed by Morgan Stanley’s world-class suite of services, we help simplify your financial life and proactively guide you in areas including portfolio management, diversification strategies, estate and retirement planning strategies, tax-minimizing strategies, and philanthropic initiatives.
No matter your goals, we know through experience that your success depends on thinking differently and better. In short, you must go to the second level. We look forward to you joining us in this worthwhile pursuit.
We have over 30 years of experience in the financial services industry, leveraging second-level thinking time and again for the benefit of clients like you. We do this through a holistic approach that is designed to incorporate virtually all your financial needs with the objective of you reaching your financial goals. Our team’s objective is for you to look at us as one of your most important financial resources, using our knowledge and experience in various aspects of your financial life.
Part of our second-level process is knowing that success in investing is the antithesis of simple. However, that doesn’t mean it has to be complicated for you. Backed by Morgan Stanley’s world-class suite of services, we help simplify your financial life and proactively guide you in areas including portfolio management, diversification strategies, estate and retirement planning strategies, tax-minimizing strategies, and philanthropic initiatives.
No matter your goals, we know through experience that your success depends on thinking differently and better. In short, you must go to the second level. We look forward to you joining us in this worthwhile pursuit.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Business PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Cash Management and Lending ProductsFootnote5
- Executive Financial ServicesFootnote6
- Retirement PlanningFootnote7
- Planning for Education FundingFootnote8
- Endowments and FoundationsFootnote9
- Philanthropic ManagementFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Portfolio Management: A Focused Approach
In addition to Morgan Stanley’s world-class suite of services, The Second Level Group offers over 30 years of experience in active portfolio management. Our thoughtful and refined investment process has withstood the test of time, helping our clients successfully navigate through some of the most powerful bull markets and challenging bear markets over the last three decades.
We Develop Meaningful Relationships
We want you to know how highly we value the trust and confidence you place in us. Our relationship is what we value the most.
Minimizing Risk is Our Priority
We are focused and disciplined in our portfolio management to help minimize risk. This allows us to tailor our strategies to find a balance between what you want to accomplish with your wealth and your risk tolerance.
Comprehensive Planning for Your Evolving Needs
Our commitment to you is to work closely with you to implement a comprehensive wealth plan to use as a roadmap on our journey to the realization of your financial goals. A plan that adapts and evolves with changes in your needs over time.
Tactical Strategies Unlock Opportunities
We use tactical portfolio management strategies to stay in sync with overall market trends and to evaluate the strongest sectors of the market. This dictates where we should be looking to allocate investments and whether we should be in wealth accumulation or wealth preservation mode.
Morgan Stanley's Modern Wealth Management Tools
We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We are happy to assist you in signing up for any of these services.
Morgan Stanley Online (MSO)
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
E-Delivery
E-Delivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in E-Delivery.
Learn More About E-Delivery
Cybersecurity
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Cybersecurity
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give to those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Learn More About the Digital Vault
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign - all you need is a valid email address and phone number.
How to Use E-SignA FINANCIAL PLAN MADE FOR YOU
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and tax management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and tax management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Use the link below to learn more
Learn more Here
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More HerePortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax Strategies HereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Location
2011 NW Myhre Road
Suite 301
Silverdale, WA 98383
US
Direct:
(360) 613-1974(360) 613-1974
Meet The Second Level Group
Adam Bennett, MBA
Financial Advisor, Financial Planning Specialist
Phone:
(206) 963-2657(206) 963-2657
Suzy Traxler
Senior Registered Client Service Associate
Phone:
(360) 613-1972(360) 613-1972
About Bruce Bennett
Bruce has spent his entire 34-year career as a Financial Advisor and Portfolio Management Director at Morgan Stanley. He oversees the Second Level Group’s tactical investment strategies, which continue to help clients successfully navigate today’s markets. His process is built on four core pillars: 1) Meaningful relationships 2) Minimizing risk 3) Comprehensive planning and 4) Strategic allocation.
Bruce grew up in Deming, New Mexico and upon graduating from high school enlisted in the U.S. Navy where he proudly served six years as a Nuclear Machinist Mate. He then attended college on the G.I. Bill at night while working as a letter carrier for the U.S. Postal Service, eventually earning his B.S. in Finance and Accounting from Central Washington University.
Bruce enjoys spending time with his family and being “Pop-Pop” to his twin grandchildren. He’s also an avid tennis player and enjoys biking, hiking, and relaxing at his cabin in Montana.
Fun facts:
• Bruce may be best known (at least by his son) for catching an Alex Rodriguez homerun when the Seattle Mariners were still playing games at the Kingdome.
• Bruce once participated in a fan contest during the halftime show of a Seattle Sonics game. He won the contest and received a one-year supply of Campbell’s Soup.
Bruce grew up in Deming, New Mexico and upon graduating from high school enlisted in the U.S. Navy where he proudly served six years as a Nuclear Machinist Mate. He then attended college on the G.I. Bill at night while working as a letter carrier for the U.S. Postal Service, eventually earning his B.S. in Finance and Accounting from Central Washington University.
Bruce enjoys spending time with his family and being “Pop-Pop” to his twin grandchildren. He’s also an avid tennis player and enjoys biking, hiking, and relaxing at his cabin in Montana.
Fun facts:
• Bruce may be best known (at least by his son) for catching an Alex Rodriguez homerun when the Seattle Mariners were still playing games at the Kingdome.
• Bruce once participated in a fan contest during the halftime show of a Seattle Sonics game. He won the contest and received a one-year supply of Campbell’s Soup.
Securities Agent: IL, WY, VA, UT, ND, MD, SD, DE, WA, OH, NV, AK, ID, TX, TN, ME, CT, OR, MN, RI, NY, CO, NJ, MT, CA, AZ, SC, NM, MA, FL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282887
NMLS#: 1282887
About Adam Bennett, MBA
Adam leverages 15 years of experience in the sports and entertainment industry to address the unique needs of athletes, coaches, entertainers, and sports executives. He effectively merges The Second Level Group’s tactical investment strategies with a premium family office that streamlines clients’ financial needs. The benefit to sports and entertainment professionals is a customized plan that accounts for careers that can be time limited, income volatile, and liquidity intensive.
Adam earned his B.A. in Sport Management with an emphasis in Business Administration from Washington State University in 2008 and his MBA from Eastern Washington University in 2020. Prior to Morgan Stanley, he worked under late basketball agent Dan Fegan at Lagardère Sports and Entertainment, held roles in baseball operations with the San Francisco Giants and Houston Astros, basketball operations with the Indiana Pacers, and spent three years with ESPN’s Stats and Information Group.
He is the proud owner of two World Series Championship rings (San Francisco Giants), one California League Championship ring (San Jose Giants) and an Emmy Award (ESPN’s SportsCenter). He also contributed to a Big Sky Championship with Eastern Washington men’s basketball in 2015 and counts his completion of the 2017 Moab 240 ultramarathon as a top personal achievement.
Adam currently resides on Lake Tapps, Washington with his wife and their twins. His favorite leisure activities include CrossFit, running, golf, tennis, and boating.
Fun facts:
• As a kid, Adam participated in the Mariners’ pop-fly contest. Unfortunately, he only caught two of three and didn’t win the trip to Sea World.
• Adam and his wife had their wedding featured in Caribbean Wedding Style, which also included the wedding of 3-time MLB All-Star shortstop, Jimmy Rollins, and his wife.
• Adam’s dream car is a Classic Ford Bronco. On two separate occasions he owned one but sold both, which he painfully regrets. They now fetch six-figure price tags.
Adam earned his B.A. in Sport Management with an emphasis in Business Administration from Washington State University in 2008 and his MBA from Eastern Washington University in 2020. Prior to Morgan Stanley, he worked under late basketball agent Dan Fegan at Lagardère Sports and Entertainment, held roles in baseball operations with the San Francisco Giants and Houston Astros, basketball operations with the Indiana Pacers, and spent three years with ESPN’s Stats and Information Group.
He is the proud owner of two World Series Championship rings (San Francisco Giants), one California League Championship ring (San Jose Giants) and an Emmy Award (ESPN’s SportsCenter). He also contributed to a Big Sky Championship with Eastern Washington men’s basketball in 2015 and counts his completion of the 2017 Moab 240 ultramarathon as a top personal achievement.
Adam currently resides on Lake Tapps, Washington with his wife and their twins. His favorite leisure activities include CrossFit, running, golf, tennis, and boating.
Fun facts:
• As a kid, Adam participated in the Mariners’ pop-fly contest. Unfortunately, he only caught two of three and didn’t win the trip to Sea World.
• Adam and his wife had their wedding featured in Caribbean Wedding Style, which also included the wedding of 3-time MLB All-Star shortstop, Jimmy Rollins, and his wife.
• Adam’s dream car is a Classic Ford Bronco. On two separate occasions he owned one but sold both, which he painfully regrets. They now fetch six-figure price tags.
Securities Agent: TX, WA, OH, CT, WY, MN, UT, TN, MA, NY, ID, RI, NM, ME, IL, NJ, MT, DE, CA, NV, AK, SD, ND, CO, AZ, VA, SC, OR, NC, MD, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2395134
NMLS#: 2395134
About Suzy Traxler
Suzy Traxler brings more than 24 years of financial services experience to The Second Level Group. As a Senior Registered Associate, she is essential to helping enhance the client experience. Suzy has been an integral member of our team since 2006, providing extensive knowledge of the firm’s administrative and operations platforms. This allows her to align the correct resources to resolve issues quickly and efficiently.
Throughout her career, Suzy has worked in most areas of wealth management and enjoys building deep and loyal relationships with clients, delivering The Second Level Group’s premium service model, and helping clients achieve their goals with energy and enthusiasm.
A native of Kitsap County, Suzy and her husband live in Silverdale, Washington near her two grown sons. What gives Suzy great joy is spending time with her family. She also likes to hike, kayak, visit local wineries, and travel every chance she gets.
Throughout her career, Suzy has worked in most areas of wealth management and enjoys building deep and loyal relationships with clients, delivering The Second Level Group’s premium service model, and helping clients achieve their goals with energy and enthusiasm.
A native of Kitsap County, Suzy and her husband live in Silverdale, Washington near her two grown sons. What gives Suzy great joy is spending time with her family. She also likes to hike, kayak, visit local wineries, and travel every chance she gets.
Contact Bruce Bennett
Contact Adam Bennett, MBA
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
Are You Prepared for Tax Day?
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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 Second Level Group today.
1Morgan 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.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley 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.
5Morgan 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
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.
7When 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.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley 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.
5Morgan 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
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.
7When 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.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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)
