Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist
Phone:
(781) 672-5118(781) 672-5118
The Sentry Alliance Group at Morgan Stanley
Direct:
(781) 672-5118(781) 672-5118
Our Mission Statement
Wealth planning is about financial intent - Client care is about understanding - Peace of mind is about putting your vision into motion.
Our Story and Service List
The wealth management experience should begin and end with one straight forward concept, achieving your goals. There are countless investment and wealth strategies, the one that matters is the one that can accomplish your financial intent. Every client has a unique set of circumstances, it's our job as your advisors to understand clearly what yours are.
The process starts with understanding your objectives and what is most important to you, in your life today and what your future should look like. Our role is to listen well and help to clarify your vision based on our education and 25 years of experience. With that understanding, we create a wealth planning strategy that will put your financial vision into motion.
Wealth Management should provide increased comfort and a feeling of confidence that you are on the right path. The more certain we are about an outcome, the more confident we are in moving forward. The most satisfying aspect of our careers is watching a plan unfold from its implementation stage to your personal success. Together with the client we manage every step along the way, focused on helping you to achieve your goals throughout.
The process starts with understanding your objectives and what is most important to you, in your life today and what your future should look like. Our role is to listen well and help to clarify your vision based on our education and 25 years of experience. With that understanding, we create a wealth planning strategy that will put your financial vision into motion.
Wealth Management should provide increased comfort and a feeling of confidence that you are on the right path. The more certain we are about an outcome, the more confident we are in moving forward. The most satisfying aspect of our careers is watching a plan unfold from its implementation stage to your personal success. Together with the client we manage every step along the way, focused on helping you to achieve your goals throughout.
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- AnnuitiesFootnote2
- Corporate Retirement PlansFootnote3
- Estate Planning StrategiesFootnote4
- Financial PlanningFootnote5
- Fixed IncomeFootnote6
- Cash Management and Lending ProductsFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Municipal BondsFootnote10
- Professional Portfolio ManagementFootnote11
- Retirement PlanningFootnote12
- Trust AccountsFootnote13
- Wealth ManagementFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
1. Establish your household requirements for income, expenses, and cash flow
2. Determine long-term goals for retirement
3. Identify specific projected expenses, such as tuition, second home, trust and estate
4. Manage risk, and protect the capital you have earned
5. Recalibrate as needed to avoid the pitfalls of a “set it and forget it” approach
2. Determine long-term goals for retirement
3. Identify specific projected expenses, such as tuition, second home, trust and estate
4. Manage risk, and protect the capital you have earned
5. Recalibrate as needed to avoid the pitfalls of a “set it and forget it” approach
Meet The Team
Michael Chiasson - Senior Portfolio Management Director
Michael joined the company in 2007 after spending 12 years at A.G. Edwards. Michael’s professional passion lies in working with clients to clarify their goals, develop investment strategies that sets their vision in motion and helping them focus on what is most important in their lives. He received a Bachelor’s Degree in Finance from Bentley University in Waltham, MA in 1994. Michael and his wife Nicole have two children and enjoy boating, fishing, and spending time with their family.
Thomas Rockwood Second Vice President
After college, Tom started his career in the remodeling industry in sales and marketing. After 17 years, he followed his passion for helping people with their finances and joined the training program at A.G. Edwards & Sons. After spending 11 years with A.G. Edwards he joined Smith Barney, which merged with Morgan Stanley in 2009. He got his associates degree from Dean Junior College and his bachelors in economics from Babson College. He has been married to his wife Kathy since 1980 and they have 3 married children, with 5 wonderful grandchildren. In his spare time Tom enjoys spending time on the Cape and summers in Sandwich with his family and friends. Community involvement is very important to Tom, serving as past president and board member for the Walpole Chamber of Commerce for many years. Currently, Tom serves on the Board of Directors for The Friends of Saint Patrick, an organization dedicated to spreading good will and good cheer, but more importantly providing financial assistance to those in need in the community.
Mark Murphy - Financial Planning Specialist
Mark Murphy is a Financial Advisor at Morgan Stanley. After earning a Bachelor of Science degree with a concentration in Finance from Babson College in 2017, Mark began his career with a boutique firm that focused in Employee Benefits and 401(k) plan management. In 2019, Mark joined Morgan Stanley as a Wealth Advisor Associate where he worked alongside Financial Advisors to develop and present holistic financial plans to their clients. His desire to help clients articulate and achieve their financial goals through comprehensive financial planning led him to pursue and obtain the prestigious CERTIFIED FINANCIAL PLANNER™ certification which demonstrates his knowledge and experience.
Beth Olney - Wealth Management Associate
Beth is a Registered Client Service Associate at Morgan Stanley. She began her career as an assistant to financial advisors more than 20 years ago at Paine Webber. After spending time assisting other advisors, she became an Associate Financial Advisor and Relationship Officer at Fidelity Investments where she learned all aspects of brokerage services and trading as well as client relationship management. A nascent birdwatcher and amateur archeologist, she enjoys reading, walks with her dog and spending time with her family and raising her two boys.
Kristen Andrews - Wealth Management Associate
Kristen has over 15 years of experience in the financial services industry, including the past 10 years as an integral part of The Chiasson Group. Kristen runs all administrative aspects of the investment trading and services. Her specialty is account management and close one-on-one relationship building with clients. When Kristen is not in the office you would most likely hear she's traveling some place warm or inside her Cross Fit gym trying to break personal records. Kristen believes in the work hard, play hard philosophy.
Our focus is to provide a wide range of personalized financial solutions, from making sure you plan for retirement to professional portfolio management. Here are some of the services we provide to assist you.
Retirement Planning
Understanding if your 401(k) is well invested, and planning to save enough for retirement with your unique lifestyle so you don't worry about running out of money.
Financial Planning
With unexpected volatility of financial currents we want to help you prepare for any life event. Our holistic approach adapts to changing circumstances to ensure your goals are being met.
Wealth Planning
Anything related to legacy planning, gifting, and charitable donations we want to help you organize your assets properly to ease the burden of finances.
Professional Portfolio Management
Making sure your investment strategy is well balanced to help you achieve the goal of your portfolio. Anything from security recommendations, asset allocations, tax efficient strategies, or any investment planning you need.
Managing Risk
Life is constantly changing and brings many uncertainties, whether they are personal or global impacts. We want to make sure your finances are always protected.
Executive Planning
With the responsibilities that it comes of being an executive or business owner, we want to take the finances off your plate to assist with anything from concentrated positions to succession planning.
Modern Wealth Management Tools
Morgan Stanley's comprehensive suite of digital tools that are designed to enhance every aspect of your financial portfolio. Here are a few examples of the many Modern Wealth Management resources that are offered to our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) offers a suite of features and services that allow you to manage your everyday finances from one place. Everything accessible under one platform to assist staying on top of all your financial accounts.
Click Here To Login or Register for Morgan Stanley Online
Goals-Based Planning
Our goals-based planning system (GPS) is built on intellectual capital and capabilities to provide our clients with a comprehensive solution for their unique goals. GPS is an intuitive and efficient platform to ensure clients will have a successful financial plan.
Learn More About Goals-Based Planning
Portfolio Risk Platform
Our Portfolio Risk Platform is powered by Blackrock's Aladdin engine, a risk management platform that provides comprehensive risk estimation and reporting from a holistic view of your portfolio.
Learn More About Managing Your Risk
Online Security Center
At Morgan Stanley, we value safeguarding your assets and personal information from outside threats. We encourage to read about our security measures and the use of our resources to protect you.
Learn More About Our Security Measures
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give 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. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn MoreLocation
112 Worcester Street
Wellesley, MA 02481
US
Direct:
(781) 672-5118(781) 672-5118
Meet The Sentry Alliance Group
Phone:
(781) 416-2408(781) 416-2408
Beth Olney
Wealth Management Associate
Phone:
(781) 416-2412(781) 416-2412
Kristen Andrews
Wealth Management Associate
Phone:
(781) 263-6833(781) 263-6833
About Michael T Chiasson
Michael joined the company in 2007 after spending 12 years at A.G. Edwards. Michael’s professional passion lies in working with clients to clarify their goals, develop investment strategies that sets their vision in motion and helping them focus on what is most important in their lives. He received a Bachelor’s Degree in Finance from Bentley University in Waltham, MA in 1994. Michael and his wife Nicole have two children and enjoy boating, fishing, and spending time with their family.
Securities Agent: MD, WA, NC, MI, MA, GA, NJ, OH, RI, VA, TX, NY, VT, MN, UT, NH, FL, SC, PA, IL, ME, CT, CA, AZ, AL, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1252927
NMLS#: 1252927
About Mark Murphy
Mark Murphy is a Financial Advisor with The Sentry Alliance Group at Morgan Stanley. Mark takes a comprehensive approach to help affluent families develop an investment strategy that is coordinated with a holistic financial plan that helps them achieve their objectives. His clients benefit from the intellectual capital and world class resources of Morgan Stanley, that he and his team leverage, to design and implement customized solutions to help them accomplish their financial intent.
After earning a Bachelor of Science degree with a concentration in Finance from Babson College in 2017, Mark began his career with a boutique firm that specialized in Employee Benefits and 401(k) plan management. In 2019, Mark joined Morgan Stanley as a Wealth Advisor Associate where he worked alongside Financial Advisors to develop and present holistic financial plans to their clients. His desire to help clients articulate and achieve their financial goals through comprehensive financial planning led him to pursue and obtain the prestigious CERTIFIED FINANCIAL PLANNER™ certification which demonstrates his knowledge, experience, and integrity.
Away from the office he enjoys traveling, reading, golf, and spending time with his family. Mark currently lives with his wife in Boston, MA.
After earning a Bachelor of Science degree with a concentration in Finance from Babson College in 2017, Mark began his career with a boutique firm that specialized in Employee Benefits and 401(k) plan management. In 2019, Mark joined Morgan Stanley as a Wealth Advisor Associate where he worked alongside Financial Advisors to develop and present holistic financial plans to their clients. His desire to help clients articulate and achieve their financial goals through comprehensive financial planning led him to pursue and obtain the prestigious CERTIFIED FINANCIAL PLANNER™ certification which demonstrates his knowledge, experience, and integrity.
Away from the office he enjoys traveling, reading, golf, and spending time with his family. Mark currently lives with his wife in Boston, MA.
Securities Agent: OH, AL, AZ, CA, CO, CT, FL, GA, IL, MA, MD, ME, MI, MN, NC, NH, NJ, NY, OK, PA, RI, SC, TX, UT, VA, VT, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1906141
NMLS#: 1906141
About Beth Olney
Beth is a Registered Client Service Associate at Morgan Stanley. She began her career as an assistant to financial advisors more than 20 years ago at Paine Webber. After spending time assisting other advisors, she became an Associate Financial Advisor and Relationship Officer at Fidelity Investments where she learned all aspects of brokerage services and trading as well as client relationship management. A nascent birdwatcher and amateur archeologist, she enjoys reading, walks with her dog and spending time with her family and raising her two boys.
About Kristen Andrews
Kristen has over 15 years of experience in the financial services industry, including the past 10 years as an integral part of The Chiasson Group. Kristen runs all administrative aspects of the investment trading and services. Her specialty is account management and close one-on-one relationship building with clients. When Kristen is not in the office you would most likely hear she's traveling some place warm or inside her Cross Fit gym trying to break personal records. Kristen believes in the work hard, play hard philosophy.
Contact Michael T Chiasson
Contact Mark Murphy
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
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Sentry Alliance 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.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 and other legal matters.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Morgan 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.
12When 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.
13Morgan 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.
14Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 and other legal matters.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Morgan 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.
12When 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.
13Morgan 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.
14Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
