Executive Director, Financial Advisor, Family Wealth Director, Senior Investment Management Consultant, Alternative Investments Director, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(248) 848-8799(248) 848-8799
The Senatore / Ashmann Wealth Management Group at Morgan Stanley
Our Mission Statement
We strive to take the burden of managing wealth off your shoulders – giving you time and energy to spend on your career, passions, and family.
Our Story
A boutique like approach, paired with the resources of one of the world’s premier investment firms.
Our practice helps high net worth clients including individuals, families, successful business owners, corporate executives, and established professionals navigate the noise to design, implement, and manage customized investment strategies within the context of each client’s goals, objectives, and risk tolerance.
We believe that working together ultimately provides you with the confidence to prioritize your passions and simplify your financial life.
Our practice helps high net worth clients including individuals, families, successful business owners, corporate executives, and established professionals navigate the noise to design, implement, and manage customized investment strategies within the context of each client’s goals, objectives, and risk tolerance.
We believe that working together ultimately provides you with the confidence to prioritize your passions and simplify your financial life.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Business PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Professional Portfolio ManagementFootnote6
- Alternative InvestmentsFootnote7
- 401(k) Rollovers
- Stock Option PlansFootnote8
- Planning for Education FundingFootnote9
- Cash Management and Lending ProductsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Wealth Management Process
Discovery
We work with you to fully understand your current situation & identify your personal and financial priorities.
Review & Analysis
Our team will prepare and review financial models, with consideration to your personal priorities and preferences, to determine potential outcomes of relevant wealth management strategies.
Strategy Education
Together, we will thoroughly review all information needed to understand and appropriately evaluate the advantages and disadvantages of current, recommended, and alternative paths forward.
Implementation
Through coordination with your tax and legal advisors, we will strategically implement your personalized wealth management strategy after fully considering the potential impact of taxes and other costs.
Ongoing Assessment
With you, we will periodically review and – when necessary – update your strategy, based on changes to your personal circumstances, future goals, market conditions and or tax laws.
On a discretionary basis - both with and without you - our team will monitor and review your investment strategy and strive to produce optimal portfolio performance & seek to generate the highest potential return, that is consistent with the strategy's level of risk.
On a discretionary basis - both with and without you - our team will monitor and review your investment strategy and strive to produce optimal portfolio performance & seek to generate the highest potential return, that is consistent with the strategy's level of risk.
TAILORED TO YOUR GOALS
Financial Independence Planning
Beginning with establishing a baseline for your wants and needs, a well-designed financial independence plan will allow you to maximize the possibilities of your assets – for you and those you care about, and not the IRS.
Tax, Trust, & Estate Planning
Coordinating with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Education Planning
With both the benefits and costs of a good education growing sharply, we help you understand your options for assisting the next generation while, if desired, maintaining control and flexibility.
Philanthropic Planning
Through an array of charitable gifting techniques, we may be able to implement a giving strategy that benefits both you and your beneficiaries.
Charities and Causes
- Covenant House of Michigan, Board of Director 2009-2019
- Tamarack Camps Risk Management Committee Member
- Tamarack Camps Dad and Me Committee Member
- Andi and Larry Wolfe Generation X Inaugural Mission Member 2020
- Bnai Brith Member
- Capuchin Soup Kitchen, Volunteer
- Gleaners Community Food Bank, Volunteer
- Susan G. Komen Race For the Cure, Friend for the Cure
- Kaboom! Playground Build 2023
- Focus: HOPE, Volunteer 2024
Recognition & Awards
- Forbes Best-In-State Wealth Management Teams* - 2024, 2025
- Forbes Best-In-State Wealth Advisor** - 2021, 2022, 2023, 2024
- Five Star Wealth Manager*** - 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023
- Morgan Stanley Century Club Member - 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021
- Morgan Stanley Masters Club Member - 2021, 2022, 2023, 2024, 2025
- Rule 144 Specialist
- National Directors Award - 2000
*Forbes Best-In-State Wealth Management Teams | Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/2022 - 3/31/2023.
**Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors | Source: Forbes.com (Awared April 2024) Data Compiled by SHOOK Research LLC for the period 6/30/2022 - 6/30/2023.
***2013-2023 Five Star Wealth Manager Award | Source: fivestarprofessional.com (Awarded 2013-2021) These awards were determined through an evaluation prcoess conducted by Five Star Professional, based on objective criteria, during the following periods:
2013 Award - 10/22/2012 - 03/09/2013
2014 Award - 10/22/2013 - 03/09/2014
2015 Award - 10/22/2014 - 03/09/2015
2016 Award - 10/22/2015 - 03/09/2016
2017 Award - 08/24/2016 - 02/24/2017
2018 Award - 08/30/2017 - 03/19/2018
2019 Award - 08/21/2018 - 03/19/2019
2020 Award - 08/01/2019 - 03/20/2020
2021 Award - 08/10/2020 - 03/19/2021
2022 Award - 09/03/2021 - 03/11/2022
2023 Award - 09/05/2022 - 03/03/2023
https://www.morganstanley.com/disclosures/awards-disclosure.html
Helpful Links
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
2024 Federal Tax Tables
This document outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
2025 Maximum Benefit and Contribution Limits
This document outlines the maximum benefit and retirement plan contribution limits for 2019-2025.
Estate Planning Checklist
This document provides thoguhtful questions to help you better address your Estate Planning needs.
Reserved Living and Giving
Exclusive offers from premium brands for you and your family. Available to clients with excess of $1M at Morgan Stanley,
Thoughts On The Market Podcast
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.
Investment Research
Through timely, in-depth analysis of companies, industries, markets and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Location
35055 W 12 Mile Rd.
Ste 101
Farmington Hills, MI 48331
US
Direct:
(248) 848-8799(248) 848-8799
Meet The Senatore / Ashmann Wealth Management Group
Senior Vice President, Financial Advisor, Senior Investment Management Consultant, Portfolio Manager, Alternative Investments Director, CERTIFIED FINANCIAL PLANNER®
Phone:
(248) 848-8057(248) 848-8057
Financial Advisor, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER®
Phone:
(248) 848-8089(248) 848-8089
Sandra Buhay
Registered Client Service Associate
Phone:
(248) 848-8779(248) 848-8779
Jennifer L. Brown
Portfolio Associate
Phone:
(248) 848-8088(248) 848-8088
About Taal Ashmann
Growing up in Farmington Hills, Michigan with two hard working business owner parents, I learned the importance of a strong work ethic, attention to detail and integrity. I have attributed these qualities in life early on and it has carried forward into my career as a Forbes Best-In-State Wealth Advisor in Michigan since 2021.
With 25 years of experience as a Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. My primary focus is to bring order to your financial life. Working together, I can help you to preserve and grow your wealth. The process begins by understanding who you are, what is important to you and what your objectives are and building a plan to help meet your needs. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
2021-2024 - Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.forbes.com/lists/best-in-state-wealth-advisors/?sh=641193916ab9
With 25 years of experience as a Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. My primary focus is to bring order to your financial life. Working together, I can help you to preserve and grow your wealth. The process begins by understanding who you are, what is important to you and what your objectives are and building a plan to help meet your needs. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
2021-2024 - Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.forbes.com/lists/best-in-state-wealth-advisors/?sh=641193916ab9
Securities Agent: TX, AZ, VA, OH, NJ, CA, OR, NY, SC, NC, CO, MI, FL, WI, OK, MA, LA, IN, GA, AR, MD, IL, DE, WA, TN, NV, UT, PA, IA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261781
NMLS#: 1261781
About David W Senatore
David Senatore has a long and successful history of understanding and managing the unique complexity facing affluent individuals, families, endowments and foundations. Over the past 27 years, he has consistently been recognized by Morgan Stanley and its predecessor firms for achieving the highest levels of advisory success, including membership in Morgan Stanley’s Presidents and Masters Council.
A Michigan native, David graduated from Michigan State University’s Eli Broad School of Business in 1990. Throughout his career, he has been active in the financial community as a member of IMCA (Investment Management Consultant’s Association) as well as the Financial Estate and Financial Planning Association of Detroit.
David currently resides in Novi, MI, with his wife Cyndi and children, Dominic and Jessica. For many years, his family has supported the Covenant House Michigan and David sits on its Board of Directors. He is an active member of the Walnut Creek Country Club, Catholic Central Alumni Foundation.
In David’s free time he enjoys his northern Michigan home on Torch Lake, is an avid physical fitness enthusiast, and still enjoys playing hockey, skiing and golf.
A Michigan native, David graduated from Michigan State University’s Eli Broad School of Business in 1990. Throughout his career, he has been active in the financial community as a member of IMCA (Investment Management Consultant’s Association) as well as the Financial Estate and Financial Planning Association of Detroit.
David currently resides in Novi, MI, with his wife Cyndi and children, Dominic and Jessica. For many years, his family has supported the Covenant House Michigan and David sits on its Board of Directors. He is an active member of the Walnut Creek Country Club, Catholic Central Alumni Foundation.
In David’s free time he enjoys his northern Michigan home on Torch Lake, is an avid physical fitness enthusiast, and still enjoys playing hockey, skiing and golf.
Securities Agent: MI, MD, MO, CT, TX, OH, NY, AR, MA, AL, TN, SC, NM, CO, CA, UT, VA, NC, IL, IA, GA, FL, OR, IN, AZ, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1326709
NMLS#: 1326709
About Jordan Fujarski
Jordan is a CERTIFIED FINANCIAL PLANNER™ and Financial Planning Specialist who works with clients to navigate the challenges that arise when balancing today’s needs with tomorrow’s goals. By staying up to date with the ever-changing financial planning landscape, Jordan helps clients understand the pros and cons associated with each decision, as it relates to their specific situation. Narrowing the scope, his natural infatuation with the markets serves him in his ability to help clients appropriately position their portfolios and maintain their pursuit of what’s most important.
Jordan received a degree in Finance from Albion College, where he played Varsity Baseball.
Jordan lives in Royal Oak with his girlfriend, Amanda and their dog, Penny. Out of the office, his hobbies include exercising, golfing, cooking, and traveling. He is an animal lover and, occasional thrill seeker, whether it be skydiving, wake surfing, or snowboarding.
Jordan received a degree in Finance from Albion College, where he played Varsity Baseball.
Jordan lives in Royal Oak with his girlfriend, Amanda and their dog, Penny. Out of the office, his hobbies include exercising, golfing, cooking, and traveling. He is an animal lover and, occasional thrill seeker, whether it be skydiving, wake surfing, or snowboarding.
Securities Agent: FL, AK, AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, NC, ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, CT; General Securities Representative; Investment Advisor Representative
About Sandra Buhay
Sandra is dedicated to ensuring clients have the support they need at every stage. She works closely with our group to address client needs and committed making the experience as smooth and successful as possible.
With over 20 years experience in financial services, Sandra has developed a deep understanding of helping clients navigate various financial situations and effective problem-solving. Her background has given her the experience to help deliver results that matter to clients. She holds series 7, 63, and 65 licenses.
When she’s not helping clients, you will find Sandra spending quality time with her family and friends. She also enjoys traveling, playing tennis, and cooking/baking.
With over 20 years experience in financial services, Sandra has developed a deep understanding of helping clients navigate various financial situations and effective problem-solving. Her background has given her the experience to help deliver results that matter to clients. She holds series 7, 63, and 65 licenses.
When she’s not helping clients, you will find Sandra spending quality time with her family and friends. She also enjoys traveling, playing tennis, and cooking/baking.
About Jennifer L. Brown
Jennifer has over 20 years of experience at Morgan Stanley as a Portfolio Associate, including 2 years of coaching colleagues across Southeast Michigan. She enjoys connecting with clients, meeting, and exceeding their expectations. In 2023, Jennifer celebrated her first year of marriage to Barton Brown, and the birth of her first granddaughter, Evelyn. Outside of work, she takes pleasure in riding her Harley across country and going up north to their cabin.
Contact Taal Ashmann
Contact David W Senatore
Contact Jordan Fujarski
Hear from Our Clients
Taal Ashmann has been my Financial Advisor for over 22 years. Taal set a financial plan in motion and he encouraged me to really focus on meeting those goals. Taal has been with me as I've saved for college and other big ticket items. He made sure that I met my goals. He helped me to be a much more disciplined investor. Taal is an incredible advisor, and he seems to think about my family's needs 24/7. He cares passionately about his work and his clients.
Ron
Verified ClientNovember 18, 2024
We couldn't be happier working with Dave & his team. We had our portfolio spread over three other agencies & never got a sense for where we were going. By coming over to MS & consolidating all of our accounts, We now have a single goal in mind. The most important part of this relationship is the constant communication, planning & options we have in our hands. The FA team is proactive is in constant communications. We only wish we came over earlier. We recommend them to all our friends & family
Erich
Verified ClientFebruary 6, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
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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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 Senatore / Ashmann Wealth Management 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
5Morgan 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.
6Morgan 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9When 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.
10Morgan 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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
5Morgan 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.
6Morgan 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9When 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.
10Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
