J.R. Randall, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Family Wealth Director
Phone:
(513) 562-8385(513) 562-8385
The Seven Hills Group at Morgan Stanley
Direct:
(513) 562-8350(513) 562-8350
Toll-Free:
(800) 543-1825(800) 543-1825
Our Mission Statement
Guidance that can give clients confidence in themselves and simplifies the complex.
About Us
We believe the majority of people innately want to help others because of the way it makes them feel (good) and they will give more of their time, money, and resources when they are happy and at peace with their own life. The more happy people there are in the world, the better off the world is. But unfortunately, too many people focus on chasing money and returns and will never be satisfied even when they catch it, because we believe money doesn’t equal happiness. And when people are unhappy, they are less likely to help others.
Money shouldn’t be a dream or a goal, but when it’s managed correctly it can be the perfect tool to potentially make dreams and goals come true. Money is a utility or tool that can be skillfully managed in order to navigate through a life we want to live. Money is not some shore we’re headed toward, it’s not the sea we sail upon or even the vessel that transports us and our loved ones. It’s simply a utility we use to help us live our most meaningful life and it must be managed correctly and skillfully if we hope to stay on course living the life we want to live.
The more control we have over our decisions, the more independence we have (or at least feel we have) where we can do what we want, when we want, where we want, and with whom we choose, the more we’re living a life WE want to live, the happier we ultimately are. One of the greatest powers of money is that it can provide a feeling of independence. The more we can help people make good, sound decisions with their wealth, the more empowered they can be and the more independent they feel, which can bring happiness and joy to their life, which we believe will be paid forward and compounded many times over making the world a better place.
Money shouldn’t be a dream or a goal, but when it’s managed correctly it can be the perfect tool to potentially make dreams and goals come true. Money is a utility or tool that can be skillfully managed in order to navigate through a life we want to live. Money is not some shore we’re headed toward, it’s not the sea we sail upon or even the vessel that transports us and our loved ones. It’s simply a utility we use to help us live our most meaningful life and it must be managed correctly and skillfully if we hope to stay on course living the life we want to live.
The more control we have over our decisions, the more independence we have (or at least feel we have) where we can do what we want, when we want, where we want, and with whom we choose, the more we’re living a life WE want to live, the happier we ultimately are. One of the greatest powers of money is that it can provide a feeling of independence. The more we can help people make good, sound decisions with their wealth, the more empowered they can be and the more independent they feel, which can bring happiness and joy to their life, which we believe will be paid forward and compounded many times over making the world a better place.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Seven Hills Group Investment Philosophy
Benjamin Graham stated, “Individuals who cannot master their emotions are ill-suited to profit from the investment process”. The Seven Hills Group Investment Philosophy seeks to create confidence and simplicity as we help our clients to build and preserve their wealth, so that they may achieve their goals. As advocates for our clients, we work with them to design a plan and create behavioral discipline, striving to achieve a specific outcome. We feel successful in this endeavor when our clients know where they stand, the direction they’re heading, and that no individual underlying investment that we recommend will dictate whether or not they are successful in achieving their goals.
Dolly Parton said, “If you want the rainbow you’ve gotta put up with rain”. Volatility and market fluctuations cannot be avoided, only mitigated, and should be viewed as an opportunity, not a risk. Without volatility the returns most investors need to achieve goals would not be possible. We believe true risk with investing is permanent loss of capital, which most commonly occurs if we react emotionally to volatility. Downside volatility is one of the largest costs to investing; accepting this to be true, combined with a proper plan and discipline, we seek to reduce the cost of downside volatility to the lowest level possible that can still allow for the returns needed to help achieve a specific outcome.
Bob Marley said, “The day you stop racing is the day you won the race”. We do not focus on beating a particular benchmark. We benchmark against the specific return needed in an effort to achieve a specific outcome, while controlling what we can control: taxes, fees, and cash flow.
JR Randall says, “Personal finance is often times more personal than financial; what might be the right investment for one person may not be appropriate for another”. We believe that business ownership, whether privately held or in the public equity markets, is one of the best ways to build wealth over time. However, which investment vehicle is used to access business ownership and how much of it is owned will be different for each person.
In the end, how investors behave is just as important as how their investments behave. Our Investment Philosophy is built to help manage clients’ hard-earned assets from permanent loss of capital that stems from emotional decision-making.
Dolly Parton said, “If you want the rainbow you’ve gotta put up with rain”. Volatility and market fluctuations cannot be avoided, only mitigated, and should be viewed as an opportunity, not a risk. Without volatility the returns most investors need to achieve goals would not be possible. We believe true risk with investing is permanent loss of capital, which most commonly occurs if we react emotionally to volatility. Downside volatility is one of the largest costs to investing; accepting this to be true, combined with a proper plan and discipline, we seek to reduce the cost of downside volatility to the lowest level possible that can still allow for the returns needed to help achieve a specific outcome.
Bob Marley said, “The day you stop racing is the day you won the race”. We do not focus on beating a particular benchmark. We benchmark against the specific return needed in an effort to achieve a specific outcome, while controlling what we can control: taxes, fees, and cash flow.
JR Randall says, “Personal finance is often times more personal than financial; what might be the right investment for one person may not be appropriate for another”. We believe that business ownership, whether privately held or in the public equity markets, is one of the best ways to build wealth over time. However, which investment vehicle is used to access business ownership and how much of it is owned will be different for each person.
In the end, how investors behave is just as important as how their investments behave. Our Investment Philosophy is built to help manage clients’ hard-earned assets from permanent loss of capital that stems from emotional decision-making.
Digital Tools
The Seven Hills Group is committed to providing clients the best resources available at Morgan Stanley. Our comprehensive suite of digital tools are designed to help enhance most aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Learn More
Morgan Stanley Online
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
Online Security Center
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
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology to help reach your financial goals.
Learn More
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform, powered by Aladdin, analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks.
Learn MoreAccolades & Achievements
Forbes Top Next-Gen Wealth Advisors
Financial Advisor J.R. Randall recognized as a Top Next-Gen Wealth Advisor on Forbes 2020, 2021, and 2022 List.
2020, 2021, & 2022 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2020, 2021, & 2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2020, 2021, & 2022 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2020, 2021, & 2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Top 40 Brokers Under 40
Financial Advisor J.R. Randall recognized as a 2022 Top 40 Broker under 40 by Financial Planning Magazine
Financial Planning Top 40 Brokers Under 40
Source: financial-planning.com (Awarded Feb 2022)
Nominees for the rankings were 39 or younger as of Dec. 31, 2021, and were registered with a wealth management firm in the employee channel. FP uses production totals that are verified by each broker’s employer to determine the rankings. Trailing 12-month production and AUM are as of Sept. 31, 2021.
Read HereFinancial Planning Top 40 Brokers Under 40
Source: financial-planning.com (Awarded Feb 2022)
Nominees for the rankings were 39 or younger as of Dec. 31, 2021, and were registered with a wealth management firm in the employee channel. FP uses production totals that are verified by each broker’s employer to determine the rankings. Trailing 12-month production and AUM are as of Sept. 31, 2021.
Forbes Best-in-State Wealth Advisor
Financial Advisor J.R. Randall recognized as a 2022 Best-in-State Wealth Advisor
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Read HereForbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes Best-in-State Wealth Management Teams 2023-2025
The Seven Hills Group has been named to the 2025 Ohio List, ranking 10th in the state.
[Source: Forbes.com (Awarded 2023 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.]
Award Disclosures[Source: Forbes.com (Awarded 2023 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.]
CERTIFIED FINANCIAL PLANNER™
For 50 years, the CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. The path to CFP® certification requires completion of the education requirement (up to 18 months), passing the CFP® exam, fulfilling the experience requirement (6,000 hours) and a commitment to adhere to the high ethical and professional standards for the practice of financial planning.
This designation is held by JR Randall, Brad Vitucci, and Elizabeth Moore.
This designation is held by JR Randall, Brad Vitucci, and Elizabeth Moore.
Investor Resources
The Seven Hills Group is committed to providing both prospects & clients the latest insight and resources available to be better informed in the current marketplace. The most current content available includes:
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Thoughts on the Market Podcast
Listen to perspectives on the forces shaping the markets.
Listen to the Latest Episode
MS Ideas Podcast
Listen to revealing stories about the world of business, finance, technology and beyond.
Listen to the Latest Episode
Location
7755 Montgomery Road 2nd
Floor
Cincinnati, OH 45236
US
Direct:
(513) 562-8350(513) 562-8350
Toll-Free:
(800) 543-1825(800) 543-1825
Meet The Seven Hills Group
Phone:
(513) 562-8330(513) 562-8330
Cam McClung
Assistant Vice President, Wealth Management Associate
Phone:
(513) 562-8348(513) 562-8348
Elizabeth Moore, CFP®
Assistant Vice President, Director of Business Strategy
Phone:
(513) 562-8387(513) 562-8387
Nancy Cicolino
Assistant Vice President, Chief of Staff
Phone:
(513) 562-8358(513) 562-8358
Janice Tye
Senior Client Service Associate
Phone:
(513) 562-8340(513) 562-8340
Debbie Sutton
Wealth Management Associate, Financial Planning Specialist
Phone:
(513) 562-8353(513) 562-8353
Christine Jacobs-Schaadt
Assistant Vice President, Business Development Associate
Phone:
(513) 562-8373(513) 562-8373
Seth Horner
Client Service Associate
Phone:
(513) 562-8341(513) 562-8341
Andrew Seta
Registered Client Service Associate, Financial Planning Specialist
Phone:
(513) 562-8315(513) 562-8315
Rami Elkhatib
Financial Advisor Associate
Phone:
(513) 562-8354(513) 562-8354
About J.R. Randall
J.R. Randall has been in the financial services industry since graduating from Xavier University in 2004, where he played on and served as captain of the men’s tennis team. With nearly two decades of experience helping clients navigate through different market environments, J.R. earned his CFP® designation in 2011, and progressed a step further in 2022 by obtaining the Family Wealth Director designation. Utilizing this knowledge, J.R. is able to advise how and when various tax, estate, philanthropic, and other wealth strategies should be implemented. While J.R. serves as the primary financial advisor for families, he very much believes “a man is not a plan” and that having the strength of a team, rather than one person, is much more valuable and sustainable.
When not focusing client solutions and team collaboration, J.R. spends as much time as he can with his wife Michelle and their two wonderful children, Olivia and Sam. They support various charitable organizations with a focus on at-risk and disadvantaged youth. In his free time, J.R. likes to read, practice yoga, and play pickleball.
When not focusing client solutions and team collaboration, J.R. spends as much time as he can with his wife Michelle and their two wonderful children, Olivia and Sam. They support various charitable organizations with a focus on at-risk and disadvantaged youth. In his free time, J.R. likes to read, practice yoga, and play pickleball.
Securities Agent: TX, NY, MT, DE, KS, PA, KY, UT, SC, LA, CA, VT, MN, MI, GA, AZ, VA, NC, MD, IA, DC, CT, WI, TN, SD, NV, MO, FL, AL, WA, NM, IL, OH, NJ, IN, CO, AR, AK, WV, RI, MA, WY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2029154
NMLS#: 2029154
About Brad Vitucci
Brad joined Morgan Stanley in 2019 with 20+ years of business management, client service, and financial experience. In 2021, he merged his practice with The Seven Hills Group. He attended the University of Cincinnati for his undergraduate degree and later Xavier University Leadership Center for a Certificate in Financial Planning. Brad is a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner, General Securities Representative, and Investment Advisor Representative. He also holds various Life & Health insurance licenses and a mortgage license.
Retirement income planning, tax planning, legacy wealth transfers, insurance and investments can be complex and feel overwhelming. Brad enjoys simplifying those moving parts into an easy to understand plan that can help meet a client’s goals.
Brad resides in Madeira with his wife Lisa, son Rocco, and two daughters Gianna and Aria. When Brad can find spare time he enjoys outdoor adventures with his family or coaching youth sports.
Retirement income planning, tax planning, legacy wealth transfers, insurance and investments can be complex and feel overwhelming. Brad enjoys simplifying those moving parts into an easy to understand plan that can help meet a client’s goals.
Brad resides in Madeira with his wife Lisa, son Rocco, and two daughters Gianna and Aria. When Brad can find spare time he enjoys outdoor adventures with his family or coaching youth sports.
Securities Agent: SD, IL, PA, MT, AL, WY, WA, KS, IA, NY, NM, NJ, VA, RI, NC, MO, LA, AR, OH, NV, MN, MA, CA, KY, IN, CO, CT, WV, TN, SC, DE, DC, AZ, AK, MI, MD, GA, FL, WI, UT, VT, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1873868
NMLS#: 1873868
About Cam McClung
Cam is an Assistant Vice President and Wealth Management Associate with the Seven Hills Group at Morgan Stanley. Cam has daily interaction with clients, delivering concierge services since 1996. His immense knowledge of financial tools and products allows him to help find solutions for client problems and/or concerns ranging from simple to complex issues. Cam meets with clients to update and explain their portfolios and progress in a meaningful, understandable way. Using his extensive experience with capital markets, Cam also provides investment research for the group, and creates and monitors investment portfolios.
A graduate of the University of Cincinnati, Cam enjoys rooting for The Bearcats, and spending time outdoors doing all types of activities including fishing, boating, and camping.
A graduate of the University of Cincinnati, Cam enjoys rooting for The Bearcats, and spending time outdoors doing all types of activities including fishing, boating, and camping.
About Elizabeth Moore
Elizabeth began her career in the financial services industry in 2004, joining the Seven Hills Group in 2013. An alumni of The Ohio State University, Elizabeth is a CERTIFIED FINANCIAL PLANNER™ and oversees the financial planning process for the team. She is an integral part of meeting with clients to help them determine their goals and monitor their financial plans.
In her free time, Elizabeth enjoys reading, exercising, listening to music, dancing, and spending time with her family. Elizabeth and her husband have four children and one grandchild.
In her free time, Elizabeth enjoys reading, exercising, listening to music, dancing, and spending time with her family. Elizabeth and her husband have four children and one grandchild.
About Nancy Cicolino
As Chief of Staff, Nancy works to ensure that each client receives customized, elite service, and oversees the daily operations of the group. Nancy keeps things running smoothly by maintaining open lines of communication between all team members, and by developing and implementing processes for the team members to follow. A registered associate, Nancy assists with administrative support, as needed, and is the point person for client operational issues or concerns.
With three children at home, Nancy and her husband stay busy with extracurricular activities. In her free time, Nancy enjoys traveling and outdoor adventures with her family, volunteering with adults with disabilities at her church, and strategic game nights with friends.
With three children at home, Nancy and her husband stay busy with extracurricular activities. In her free time, Nancy enjoys traveling and outdoor adventures with her family, volunteering with adults with disabilities at her church, and strategic game nights with friends.
About Janice Tye
A valued member of the team since 2003, Janice's personality and demeanor exemplify the standards of The Seven Hills Group. Her kind voice is the first that many hear when communicating with The Seven Hills Group at Morgan Stanley. Janice assists clients with scheduling and creates a welcoming environment for in-person meetings. A kind and friendly person, Janice is an asset to The Seven Hills Group.
Janice has 6 grown children, 21 grandchildren, and 5 foster grandchildren that occupy her and her husband's time when she is not happily helping clients. She loves football season, UC, Ohio State, and the Cincinnati Bengals. She also enjoys traveling with friends, especially when it involves flying, and attending her grandchildren’s extracurricular activities.
Janice has 6 grown children, 21 grandchildren, and 5 foster grandchildren that occupy her and her husband's time when she is not happily helping clients. She loves football season, UC, Ohio State, and the Cincinnati Bengals. She also enjoys traveling with friends, especially when it involves flying, and attending her grandchildren’s extracurricular activities.
About Debbie Sutton
Debbie Sutton has over 25 years of experience in the financial services industry and is an asset to The Seven Hills Group providing client service, administrative support, and investment solutions for our clients. Debbie has a Life/Health Insurance license, a Morgan Stanley Financial Planning Specialist designation and holds Series 7 and Series 66 registrations. Friendly, hardworking, and diligent, Debbie enjoys working with clients daily and helping them navigate successfully through life's challenges.
This former Bearcat has been married for 47 years and has 4 children, 4 grandchildren and a great granddaughter born in 2022. She enjoys gardening, hiking, visiting bed and breakfasts, and most importantly, spending time with her family.
This former Bearcat has been married for 47 years and has 4 children, 4 grandchildren and a great granddaughter born in 2022. She enjoys gardening, hiking, visiting bed and breakfasts, and most importantly, spending time with her family.
About Christine Jacobs-Schaadt
Christine has been helping clients since 1995 and is a valuable asset to our team, joining The Seven Hills Group in 2019. Known for her attention to detail, Christine takes the time to help ensure that each client's unique needs are met. As a service concierge, Christine is committed to helping find solutions, solve problems, and assist high net worth clients with every service need. Having a Life/Health Insurance license, and Series 7, 63 & 65 registrations, Christine is also able to execute trades for clients.
Christine and her husband, Jerry, have raised 3 daughters, and now live at home with their English Bulldog, Scarlet. They have two wonderful grandchildren that they love to spoil. In her free time, Christine enjoys spending time with her growing family, reading, practicing yoga, and attending a variety of performing arts, concerts, and sporting events with family and friends.
Christine and her husband, Jerry, have raised 3 daughters, and now live at home with their English Bulldog, Scarlet. They have two wonderful grandchildren that they love to spoil. In her free time, Christine enjoys spending time with her growing family, reading, practicing yoga, and attending a variety of performing arts, concerts, and sporting events with family and friends.
About Seth Horner
Seth joined The Seven Hills Group service team in 2019 and offers 5 years of experience in the industry. Seth enjoys working with The Seven Hills Group planning team to create the framework for client financial plans. A friendly and efficient professional, Seth also provides MSO navigation and technology support to clients.
Seth resides in the Dayton area with his wife and 2 children, and their 2 family dogs. He enjoys outdoor activities, sports, and home improvement projects.
Seth resides in the Dayton area with his wife and 2 children, and their 2 family dogs. He enjoys outdoor activities, sports, and home improvement projects.
About Andrew Seta
Andrew Seta joined the Seven Hills Group as a Registered Client Service Associate in 2023. With four years of industry experience, Andrew's role includes client account onboarding and servicing, client distributions, and trading. He is FINRA registered, holding the Series 6, 7, 63, and 66 licenses.
Andrew graduated from Hobart College, in Geneva, New York, with a B.A. in Political Science and History. He resides in Cincinnati, where he enjoys trying new restaurants, supporting local sports (Who Dey!), and golfing with friends and family.
Andrew graduated from Hobart College, in Geneva, New York, with a B.A. in Political Science and History. He resides in Cincinnati, where he enjoys trying new restaurants, supporting local sports (Who Dey!), and golfing with friends and family.
About Rami Elkhatib
Rami has been with Morgan Stanley since the summer of 2022 after he graduated from the University of Kentucky. He graduated with a degree in Finance and a minor in Economics. Rami grew up in Louisville and moved to the greater Cincinnati area after his college graduation.
He currently lives in Newport, and spends his time outside of work with his family and friends. Rami loves to spend time outdoors. Whether that is playing golf, soccer, going on a run, or hiking some of the great trails that the surrounding area has to offer. He also spends time volunteering as a golf coach for young children with the non-profit FirstTee.
NMLS#2599172
He currently lives in Newport, and spends his time outside of work with his family and friends. Rami loves to spend time outdoors. Whether that is playing golf, soccer, going on a run, or hiking some of the great trails that the surrounding area has to offer. He also spends time volunteering as a golf coach for young children with the non-profit FirstTee.
NMLS#2599172
Securities Agent: CA, WY, NJ, KS, CO, WI, UT, IN, AK, TX, OH, AR, SD, NV, MD, KY, IL, CT, AZ, VT, TN, MO, VA, NC, MN, MA, WA, FL, DE, WV, RI, NY, MT, LA, GA, PA, IA, DC, AL, SC, NM, MI; General Securities Representative; Investment Advisor Representative
Contact J.R. Randall
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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.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
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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
1When 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Alternative 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.
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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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)
