Phone:
(650) 838-4204(650) 838-4204
The Oak Knoll Group at Morgan Stanley
Our Mission Statement
We are dedicated to helping clients achieve growth and preservation of wealth and family capital through intelligent investing and meticulous wealth planning strategies.
The Oak Knoll Group
WORKING WITH US
We provide guidance to mid-to-late career professionals, executives, entrepreneurs, and families. We structure, advise, and implement tailored financial solutions. With a focus on precision and client-centric service, we help navigate the financial landscapes to align with the unique needs of each client.
COMMITMENT TO EXCELLENCE
We are committed to continuing education, with designations including CFP®, CPWA®, Executive Financial Services Director, and CFA®. Through our exceptional service and dedication to clients, our team members were named to the Morgan Stanley's Pacesetter's Club in 2018-2024, a global recognition program for Financial Advisors who demonstrate the highest professional standards.
OUR CLIENTS
We service accomplished professionals with elevated expectations, whose success leads to increased financial complexity, requiring sophisticated and comprehensive advice. Recognizing the unique expectations of each client, we adapt and customize our services to serve all financial needs. At OKG we service clients residing in the Bay Area as well as across the United States.
Services Include
- Professional Portfolio ManagementFootnote1
- Alternative InvestmentsFootnote2
- Estate Planning StrategiesFootnote3
- Trust ServicesFootnote4
- Executive Benefit ServicesFootnote5
- Executive Financial ServicesFootnote6
- Corporate Pension Plans
- Corporate Retirement PlansFootnote7
- Stock Plan ServicesFootnote8
- Stock Option PlansFootnote9
- Sustainable InvestingFootnote10
- Philanthropic ManagementFootnote11
- Cash Management and Lending ProductsFootnote12
- Wealth ManagementFootnote13
- Financial PlanningFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Tax-Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
- Log into your account via Morgan Stanley Online
- Click the Accounts tab
- Select the Documents tab
- Go to the Statement drop-down tab
- Select Tax Documents and download
2025 Income Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Tax-Efficient Portfolios
Portfolios are monitored, evaluated, and rebalanced to maintain diversification and react to changing market conditions. Some key benefits include tax efficiencies, clarity by combining multiple asset classes in one account, and confidence with asset allocation advice deriving from the Global Investment Committee, so your portfolio is aligned with the firm's best thinking.
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Direct Indexing strategy
Learn more about the potential advantages of a direct indexing strategy and how it can help you meet your financial goals. Incorporating tax-sensitive investing into the daily trading activity of an account can capitalize on market fluctuations and potentially yield better after-tax results.
How to Access Your Tax Forms
MARKET INSIGHTS & DIGITAL TOOLS
Financial education leads to better insights into our investment strategy, and ultimately, better long-term decisions. We are committed to providing you with important information about managing your wealth more effectively in today's global markets. Here is a comprehensive suite of digital tools and resources, which provide some helpful perspectives on the economy, capital markets, and Morgan Stanley.
Stay informed about the latest market trends with our collection of articles and tools from leading financial experts.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity, including paperless documents, bill pay and secure account management and much more.
Total Wealth View
It's hard to see the complete picture with only half the details, you can now conveniently view all of your accounts from other financial institutions in one place, giving you a complete financial picture. Add your external 401K, checking/savings, brokerage accounts to see your finances all in one place.
Thoughts on the Markets Podcast
Listen to detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
GIC On the Markets
The latest edition of "On the Markets," a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
Personal Finance
Learn how to manage your money wisely and achieve your financial goals with our collection of personal finance articles.
Market Trend News
Stay up to date on the latest market trends and developments with our collection of trending.
Spending & Budgeting Tool
Track spending habits and manage savings by using Morgan Stanley's Spending & Budgeting Tool. This tool helps advisors monitor client cash flows across both internal and external accounts.
Morgan Stanley Insights
Read our perspective on what's shaping the world today, and tomorrow. We cover topics ranging from health care, sustainability, macroeconomics, and technology.
Location
2882 Sand Hill Rd
Ste 200
Menlo Park, CA 94025
US
Direct:
(650) 234-5113(650) 234-5113
Meet The Oak Knoll Group
Phone:
(650) 234-5144(650) 234-5144
Phone:
(650) 234-5118(650) 234-5118
Jordan Gomez
Wealth Management Associate
Phone:
(650) 853-4024(650) 853-4024
Christina Conde
Client Service Associate
Phone:
(650) 234-5174(650) 234-5174
About Paul Magliaro
Paul, an Executive Financial Services Director, Senior Portfolio Management Director, and Financial Advisor for The Oak Knoll Group at Morgan Stanley, possesses a deep commitment for building strong client relationships. His mission is to simplify the complexities of managing risk and growing wealth by leveraging financial planning and simplifying investment management. Through prudent, tactical decision-making, Paul collaborates with his clients help them meet their unique financial goals.
With a career spanning over three decades in the financial services industry, Paul's experience extends to executive financial services, particularly in assisting corporate executives in managing their investment portfolios. His strategic insights encompass a variety of approaches, including tailored strategies related to restricted stock and executive compensation.
Paul's dedication to his clients goes beyond their transactions. Paul managed an office was the Producing Manager of the Burlingame, CA office for over 12 years where he learned that servicing a client is a team effort, requiring care, enthusiasm, and creativity. As a natural entrepreneur, he has always taken an innovative and entrepreneurial approach to his work which was clearly displayed when he took the reins to create a unique 10B5-1 practice at Morgan Stanley, expanding his reach with clients to better serve their needs.
A graduate of Fairleigh Dickinson University in Madison, NJ, Paul joined Morgan Stanley in 2002, after working at Hambrecht & Quist and Robertson Stephens in San Francisco. His passion for sports and exercise finds a home in Menlo Park, CA, where he resides with his wife, Cara, and their three children: Jack, a student at BC, Kate attending UW, and Elena in high school. As a dedicated community leader, Paul actively engages in education-related philanthropy, particularly focusing on the needs of first-generation college students. By serving on the board of the Peninsula College Fund for six years. Paul's commitment to giving back, coupled with his love for the business, fuels his enthusiasm for his work at The Oak Knoll Group.
With a career spanning over three decades in the financial services industry, Paul's experience extends to executive financial services, particularly in assisting corporate executives in managing their investment portfolios. His strategic insights encompass a variety of approaches, including tailored strategies related to restricted stock and executive compensation.
Paul's dedication to his clients goes beyond their transactions. Paul managed an office was the Producing Manager of the Burlingame, CA office for over 12 years where he learned that servicing a client is a team effort, requiring care, enthusiasm, and creativity. As a natural entrepreneur, he has always taken an innovative and entrepreneurial approach to his work which was clearly displayed when he took the reins to create a unique 10B5-1 practice at Morgan Stanley, expanding his reach with clients to better serve their needs.
A graduate of Fairleigh Dickinson University in Madison, NJ, Paul joined Morgan Stanley in 2002, after working at Hambrecht & Quist and Robertson Stephens in San Francisco. His passion for sports and exercise finds a home in Menlo Park, CA, where he resides with his wife, Cara, and their three children: Jack, a student at BC, Kate attending UW, and Elena in high school. As a dedicated community leader, Paul actively engages in education-related philanthropy, particularly focusing on the needs of first-generation college students. By serving on the board of the Peninsula College Fund for six years. Paul's commitment to giving back, coupled with his love for the business, fuels his enthusiasm for his work at The Oak Knoll Group.
Securities Agent: KS, ME, MO, MT, TN, VI, WV, WY, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KY, LA, MA, MD, MI, MN, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TX, UT, VA, VT, WA, WI, AK, AL, IA, ID; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 311849
CA Insurance License #: 0B09882
NMLS#: 311849
CA Insurance License #: 0B09882
About Elise Mincey
Elise Mincey is a Financial Advisor with Morgan Stanley in Menlo Park. She creates individually tailored financial strategies for both corporate and individual investors. Areas of focus include general investment advice, retirement and financial planning, tax integration, estate planning strategies, and corporate 401(k) retirement plans. Through her exceptional service and dedication to clients, she was named to the Firm’s Pacesetter’s Club in 2018-2024, a global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service.
Before joining Morgan Stanley, Elise was a Senior Business Consultant with Ernst & Young, where she advised financial institutions on their investment selection, trading, and risk management practices. Elise graduated summa cum laude from Cal Poly, San Luis Obispo, where she received her B.S. in Finance, and is a holder of the prestigious Chartered Financial Analyst (CFA ®) designation, as well as the Certified Financial Planner (CFP ®) certification.
Before joining Morgan Stanley, Elise was a Senior Business Consultant with Ernst & Young, where she advised financial institutions on their investment selection, trading, and risk management practices. Elise graduated summa cum laude from Cal Poly, San Luis Obispo, where she received her B.S. in Finance, and is a holder of the prestigious Chartered Financial Analyst (CFA ®) designation, as well as the Certified Financial Planner (CFP ®) certification.
Securities Agent: CO, CA, AK, WA, VT, OH, NC, MS, TN, NV, NM, NJ, MT, IL, CT, SC, MA, KY, WY, MO, AR, AL, VA, NY, LA, ID, FL, TX, ND, GA, WV, UT, SD, OR, NH, MI, ME, OK, KS, AZ, PA, HI, DC, WI, RI, NE, MN, MD, IN, IA, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1504798
NMLS#: 1504798
About Alexander M. Anstead
Alex Anstead helped form the Oak Knoll Group after joining Morgan Stanley’s Silicon Valley Corporate Services Team in 2016. He brings experience in Stock Plans and Executive Financial Services to help corporate clients with managing equity compensation and accessing capital markets, and individual clients with pre-and-post liquidity event planning, risk management, and advanced estate planning strategies. Through his exceptional service and dedication to clients, he was named to the Firm’s Pacesetter’s Club in 2022-2024, a global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service.
Before joining Morgan Stanley, Alex helped Silicon Valley unicorn Clari establish and execute their Go-To-Market strategy. Alex is a graduate of University of California, San Diego. He studied Cognitive Science while working in UCSD’s Molecular Cognition Laboratory, creating neural networks for algorithmic trading strategies and conducting multivariate experiments.
Being committed to continuing education, he completed Yale School of Management’s Executive Education program, Wealth Management Theory & Practice, and holds the Certified Private Wealth Advisor® designation. When not working, you can find Alex spending time with his wife and their dog, or training for his next endurance event.
Before joining Morgan Stanley, Alex helped Silicon Valley unicorn Clari establish and execute their Go-To-Market strategy. Alex is a graduate of University of California, San Diego. He studied Cognitive Science while working in UCSD’s Molecular Cognition Laboratory, creating neural networks for algorithmic trading strategies and conducting multivariate experiments.
Being committed to continuing education, he completed Yale School of Management’s Executive Education program, Wealth Management Theory & Practice, and holds the Certified Private Wealth Advisor® designation. When not working, you can find Alex spending time with his wife and their dog, or training for his next endurance event.
Securities Agent: AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, UT, VA, VI, VT, WA, WI, WV, WY, MN, MI, AL, MS, MT, NC, ND, NE, NH, NJ, NM, NV, ME, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1569130
CA Insurance License #: 0L65843
NMLS#: 1569130
CA Insurance License #: 0L65843
About Jordan Gomez
Jordan is a distinguished financial professional with a strong foundation in financial mathematics and statistics with a degree from UC Santa Barbara. With over five years of experience at Morgan Stanley, Jordan has excelled in both corporate services for prominent Silicon Valley companies and bespoke wealth management for affluent clients. His entrepreneurial spirit shines through in crafting tailored financial plans, merging analytical acumen with a client-centric approach. This unique blend of financial acumen and personal zest positions Jordan as a dedicated Wealth Management Associate, committed to shaping tailored financial strategies that align with client's unique goals and aspirations. Beyond finance, Jordan finds inspiration in outdoor pursuits, including surfing, snowboarding, hiking and traveling.
About Christina Conde
Christina is a skilled Client Service Associate at Morgan Stanley, where her ability to connect with clients is vital to the firm’s success. With ten years of experience in the financial industry, Christina spent five years at Wells Fargo, where she advanced to the role of Service Manager before joining Morgan Stanley. For the past five years, she has excelled as a Client Service Associate, bringing a wealth of knowledge and dedication to her role.
Outside of work, Christina enjoys traveling, trying new foods, and spending time in nature, whether hiking, visiting the beach, or watching sunsets. She also loves baking and shares her home with her husband, step son, and two cats.
Outside of work, Christina enjoys traveling, trying new foods, and spending time in nature, whether hiking, visiting the beach, or watching sunsets. She also loves baking and shares her home with her husband, step son, and two cats.
Contact Paul Magliaro
Contact Elise Mincey
Contact Alexander M. Anstead
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Ryan Brown
Senior Private Banker
About Ryan Brown
Ryan Brown is a Senior Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, while leveraging our comprehensive suite of cash management and lending solutions.
Ryan began his career in financial services in 2006, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Licensed Premier Banker at Wells Fargo Bank, N.A.
Ryan is a graduate of the University of California at Irvine, where he received a Bachelor of Arts in International Studies and a minor in Management. He lives in Half Moon Bay, California with his family. Outside of the office, Ryan enjoys playing golf, road and mountain biking, and spending time with friends and family. He also volunteers his time as a youth sports coach and at several non-profit organizations.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, while leveraging our comprehensive suite of cash management and lending solutions.
Ryan began his career in financial services in 2006, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Licensed Premier Banker at Wells Fargo Bank, N.A.
Ryan is a graduate of the University of California at Irvine, where he received a Bachelor of Arts in International Studies and a minor in Management. He lives in Half Moon Bay, California with his family. Outside of the office, Ryan enjoys playing golf, road and mountain biking, and spending time with friends and family. He also volunteers his time as a youth sports coach and at several non-profit organizations.
NMLS#: 465566
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
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
Article Image
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 Oak Knoll 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’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.
2Alternative 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
9Morgan 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.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
14Morgan 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.
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’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.
2Alternative 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
9Morgan 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.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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Awards Disclosures
CRC 6491812 (04/2024)