Phone:
(201) 670-3442(201) 670-3442
The Simmons Van Dyk Group at Morgan Stanley
Direct:
(201) 670-3453(201) 670-3453
Our Mission Statement
The Simmons Van Dyk Group seeks to earn a high level of trust and confidence by following a process that was learned while earning and maintaining the CFP® designation.
How We Can Help
The Simmons Van Dyk Group was formed to assist each client through a personalized process where styles and strategies are tailored to each individual while approaching challenges in a sensible, feasible and realistic manner.
We will work with you to help preserve and grow your wealth by relying on our premier trading and execution platform, full spectrum of investment choices and our intellectual capital within the financial industry.
Gerald Simmons and Thomas Van Dyk, the partners of The Simmons Van Dyk Group have been in the business for more than 30+ years. Each of them can help you by leveraging their unique skill set based on your financial scenario.
Gerry is a Certified Financial Planner (CFP®) and a Portfolio Management Director which helps our team provide clients with the best recommendations for asset allocation, investment selection and portfolio risk management. Morgan Stanley recently promoted Gerry to First Vice President based on his extraordinary efforts and contribution towards his clients financial success.
Tom is an Insurance Planning Director (IPD). Tom has a wealth of experience when it comes to helping those that require unique insurance planning strategies, tax mitigation strategies, are close to or in retirement who require customized income strategies and/or would like to develop multi-generational wealth transfer strategies.
The Simmons Van Dyk Group welcomes you and the team looks forward to guiding you when it comes to reaching your financial goals.
We will work with you to help preserve and grow your wealth by relying on our premier trading and execution platform, full spectrum of investment choices and our intellectual capital within the financial industry.
Gerald Simmons and Thomas Van Dyk, the partners of The Simmons Van Dyk Group have been in the business for more than 30+ years. Each of them can help you by leveraging their unique skill set based on your financial scenario.
Gerry is a Certified Financial Planner (CFP®) and a Portfolio Management Director which helps our team provide clients with the best recommendations for asset allocation, investment selection and portfolio risk management. Morgan Stanley recently promoted Gerry to First Vice President based on his extraordinary efforts and contribution towards his clients financial success.
Tom is an Insurance Planning Director (IPD). Tom has a wealth of experience when it comes to helping those that require unique insurance planning strategies, tax mitigation strategies, are close to or in retirement who require customized income strategies and/or would like to develop multi-generational wealth transfer strategies.
The Simmons Van Dyk Group welcomes you and the team looks forward to guiding you when it comes to reaching your financial goals.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- Long Term Care InsuranceFootnote5
- Planning for Education FundingFootnote6
- Cash Management and Lending ProductsFootnote7
- Estate Planning StrategiesFootnote8
- 401(k) Rollovers
- Corporate Retirement PlansFootnote9
- Life InsuranceFootnote10
- Alternative InvestmentsFootnote11
- Executive Financial ServicesFootnote12
- Planning for Individuals with Special Needs and their Families
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Approach & Who We Serve
One size does not fit all investors. We want to know who you are and what is important to you as an investor before we make any recommendations.
We believe investors face 6 key areas of financial planning during their lifetime:
We believe investors face 6 key areas of financial planning during their lifetime:
1. Net Worth and Cash Flow Management:
Creating a net worth statement by adding all assets minus liabilities provides our team a great starting point. Determining your cash flow will help us to develop the proper cash allocations to fund your goals.
2. Portfolio Risk Management Strategies:
Review existing investments and analyze for potential unforeseen risks.
3. Insurance Efficiency Review:
Evaluating new and old insurances policies for cost, type and benefit it provides your beneficiaries.
4. Tax Management Strategies:
Working together with you and your tax advisor(s) to customize a truly tax efficient plan.
5. Retirement Planning:
Design and monitor an ongoing financial plan for your retirement needs.
6. Estate Planning Strategies:
Tax laws are always changing. We believe you need to change with them. We will implement an estate plan created by your legal and tax advisors to help you maximize the amount of wealth that will be transferred to your heirs.
Professional Services We Provide
While investors often share many preferences, we see each investor as being unique in some way. Understanding and making decisions based on your unique desires is vital to your success and thereby the success of our relationship.
The commitment we make to every client is to take the time to understand who you are and what your values are as an investor. With that as a foundation, we are able to build and implement customized strategies that suit your particular needs.
The commitment we make to every client is to take the time to understand who you are and what your values are as an investor. With that as a foundation, we are able to build and implement customized strategies that suit your particular needs.
Asset Management
-- Mutual Funds & ETF’s
-- Equity Portfolios
-- Fixed Income Securities
-- Socially Responsible Investments
-- Private Equity
-- Hedge Fund Strategies
-- Private Credit
-- Public/Private REITs
-- Equity Portfolios
-- Fixed Income Securities
-- Socially Responsible Investments
-- Private Equity
-- Hedge Fund Strategies
-- Private Credit
-- Public/Private REITs
Wealth Planning
-- Multi-Generational Wealth Transfer Strategies
-- Estate Planning Strategies
-- Charitable Giving Strategies
-- Estate Planning Strategies
-- Charitable Giving Strategies
Insurance
-- Life Insurance
-- Long Term Care Insurance
-- Disability Insurance
-- Long Term Care Insurance
-- Disability Insurance
Banking & Lending
-- Mortgage Lending
-- Home Equity Loans
-- Securities Based Lines of Credit
-- Home Equity Loans
-- Securities Based Lines of Credit
Corporate Services
-- 401(k) plans
-- Profit Sharing
-- SEP & SIMPLE IRA
-- Pension Plans
-- Deferred Compensation Plans
-- Executive Financial Services
-- Stock Plan Services
-- Profit Sharing
-- SEP & SIMPLE IRA
-- Pension Plans
-- Deferred Compensation Plans
-- Executive Financial Services
-- Stock Plan Services
Financial Planning
Chances are, that the goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. We have assembled a couple financial tools that speak to our wealth management philosophy and investment strategy.
Certified Financial Planner (CFP®)
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first. That's why partnering with a CFP® professional gives consumers confidence today and a more secure tomorrow.
Gerry holds this designation.
Gerry holds this designation.
Portfolio Risk Platform - Aladdin
Assessing our clients’ full investment needs and risks is an essential component of providing comprehensive financial advice in portfolio construction. Key features of the Portfolio Risk Tool, Aladdin, include broadly managing risk, identifying risk based concerns and constructing risk mitigated portfolios.
Watch Video on Aladdin Here
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Learn More About Our Planning System
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth ViewResource Center
We believe financial education can lead to better insights into our investment strategy and discipline, and better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we've provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we've provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
GIC: On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here to Learn More
GIC: Weekly
This report from Wealth Management Chief Investment Officer Lisa Shalett highlights the GIC's latest thinking on the markets.
Click Here to Learn More
What Should I Do With My Money? A Morgan Stanley Podcast
A podcast where real people get real answers from Financial Advisors to their most important questions about money.
Click Here to Learn More
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Click Here to Learn More
Morgan Stanley's Promotional Preferred Savings Program
Make the most of your cash at a competitive rate here at Morgan Stanley.
Click Here to Learn More
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Reserved Living & Giving
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients1 designed to provide benefits beyond traditional wealth management services. The program provides access to one-of-a-kind experiences, discounts from popular brands, curated articles from our partners and Morgan Stanley thought leaders, and philanthropic inspiration.
Click Here to Learn MoreLocation
61 South Paramus Road, 3rd
Fl
Paramus, NJ 07652
US
Direct:
(201) 670-3453(201) 670-3453
Meet The Simmons Van Dyk Group
Phone:
(201) 670-3453(201) 670-3453
Kevin Barone
Senior Registered Client Service Associate, Financial Planning Specialist
Phone:
(201) 937-0290(201) 937-0290
Deborah Nichols
Senior Client Service Associate
Phone:
(201) 466-0474(201) 466-0474
Jackie Cangelosi
Senior Client Service Associate
Phone:
(201) 937-1399(201) 937-1399
About Gerald Simmons
Gerry has been serving the investment needs of individuals, retirees and small businesses since 1986. He most recently came to Morgan Stanley in 2009 after a decade with UBS Financial Services. As founding partner of the Simmons Van Dyk Group, Gerry focuses on the team’s equity strategy after earning the CERTIFIED FINANCIAL PLANNING™ and Portfolio Management Director Designations.
He is Series 6, 7, 63, 26, SIE as well as Life, Accident & Health Insurance licensed. NMLS 1401721
Gerry graduated from Plymouth State College with a Bachelor of Science in Business Management. A long time New Jersey resident, he currently lives in Indian Lake, Denville with his wife Tricia. They have 5 sons. Gerry is an active member of his community and was proud to coach his son’s Hockey teams. After retiring from coaching, Gerry now spends time traveling, playing golf and tennis.
“I thoroughly enjoy the process of getting to know my clients and their families. I recognize that each client deserves to be treated as an individual with a plan that fits them now, and changes with them over time.”
-Gerry Simmons
California License #: OB92938
He is Series 6, 7, 63, 26, SIE as well as Life, Accident & Health Insurance licensed. NMLS 1401721
Gerry graduated from Plymouth State College with a Bachelor of Science in Business Management. A long time New Jersey resident, he currently lives in Indian Lake, Denville with his wife Tricia. They have 5 sons. Gerry is an active member of his community and was proud to coach his son’s Hockey teams. After retiring from coaching, Gerry now spends time traveling, playing golf and tennis.
“I thoroughly enjoy the process of getting to know my clients and their families. I recognize that each client deserves to be treated as an individual with a plan that fits them now, and changes with them over time.”
-Gerry Simmons
California License #: OB92938
Securities Agent: CO, WA, VT, UT, TX, SC, OK, MD, IL, GA, OR, NY, CA, WI, CT, AZ, VA, NM, NH, LA, NJ, MI, MA, DC, KY, DE, TN, PA, NC, MN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1401721
CA Insurance License #: OB92938
NMLS#: 1401721
CA Insurance License #: OB92938
About Tom Van Dyk
While serving in the United States Navy for almost nine years, Tom adopted a “Country First” approach to his life. During his tenure in the Navy, he studied economics and financial planning at Saint Leo University. Shortly after, Tom began his career in finance where he transferred those same values and beliefs into a holistic “Client First” business model. His personal goal is to provide unparalleled customer service and investment resources for his clients. Tom is focused on helping his clients understand how to accomplish their personal, professional and financial goals.
As a founding partner of The Simmons Van Dyk Group and Financial Advisor with Morgan Stanley, Tom prides himself on helping the teams’ clients manage market and interest rate risk, accumulate wealth with customized investment strategies, map out their retirement funding and potentially maximizing income from pensions. Tom was selected by Morgan Stanley as an Insurance Planning Director in 2021.
He is Series 7, 63, 66 as well as his Life, Accident and Health Insurance licenses. NMLS 1702575
In his spare time, Tom can be found getting exercise running after his son Greyson, playing golf, boating and traveling. Additionally, he is an avid fan of the New York Rangers, New York Giants and New York Yankees.
“I’ll never forget my first client who was able to retire ahead of schedule because of the planning we provided. It made me feel like I did something amazing for her. I love that feeling and it’s what drives me to do the best work possible for my clients.”
-Tom Van Dyk
California License #: OI22274
As a founding partner of The Simmons Van Dyk Group and Financial Advisor with Morgan Stanley, Tom prides himself on helping the teams’ clients manage market and interest rate risk, accumulate wealth with customized investment strategies, map out their retirement funding and potentially maximizing income from pensions. Tom was selected by Morgan Stanley as an Insurance Planning Director in 2021.
He is Series 7, 63, 66 as well as his Life, Accident and Health Insurance licenses. NMLS 1702575
In his spare time, Tom can be found getting exercise running after his son Greyson, playing golf, boating and traveling. Additionally, he is an avid fan of the New York Rangers, New York Giants and New York Yankees.
“I’ll never forget my first client who was able to retire ahead of schedule because of the planning we provided. It made me feel like I did something amazing for her. I love that feeling and it’s what drives me to do the best work possible for my clients.”
-Tom Van Dyk
California License #: OI22274
Securities Agent: CA, NM, KY, DC, CO, WI, WA, SC, PA, OR, NH, MA, IL, AZ, TN, VT, OK, NC, MI, LA, NY, MN, GA, DE, TX, MD, VA, UT, NJ, FL, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1702575
NMLS#: 1702575
Contact Gerald Simmons
Contact Tom Van Dyk
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
Rick Marx, CFP®
Financial Planning Director, Vice President
Don Janevski
Private Banker
About Rick Marx
Rick Marx is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Northern New Jersey. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Rick began his career in financial services in 2007 and joined Morgan Stanley in 2022. Prior to his current position, he was a Financial Advisor at JP Morgan Chase in New York City as well as a Financial Consulting Director for TIAA also in New York City.
Rick graduated from Hunter College and holds both the Certified Financial Planner™
and the Chartered Financial Consultant® designations. He lives in New Jersey with his wife Gloria and son Dean. Outside of work, Rick enjoys playing guitar, reading, cooking and spending time with his family
Rick began his career in financial services in 2007 and joined Morgan Stanley in 2022. Prior to his current position, he was a Financial Advisor at JP Morgan Chase in New York City as well as a Financial Consulting Director for TIAA also in New York City.
Rick graduated from Hunter College and holds both the Certified Financial Planner™
and the Chartered Financial Consultant® designations. He lives in New Jersey with his wife Gloria and son Dean. Outside of work, Rick enjoys playing guitar, reading, cooking and spending time with his family
About Don Janevski
Don Janevski is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
NMLS#: 197095
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
Ready to start a conversation? Contact The Simmons Van Dyk Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan 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.
4When 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Alternative 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.
12Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan 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.
4When 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Alternative 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.
12Morgan 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.
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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:
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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.
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)
