Steven M. Springer, CPWA®, CIMA®
Senior Vice President, Financial Advisor
Phone:
(856) 222-4592(856) 222-4592
The SLB Group at Morgan Stanley
Direct:
(856) 222-4592(856) 222-4592
Our Mission Statement
Comprehensive Wealth Management with
Outstanding Client Service for you and your family
Outstanding Client Service for you and your family
Our Story and Services
The SLB Group is a wealth management team that caters to a select group of high net-worth individuals, corporate executives, and their families. Our focus is to deliver the ultimate wealth management experience to clients. Our team cultivates deep, long-term relationships by providing exceptional service, a comprehensive approach to wealth management, and a disciplined approach to investing.
Whether clients have accumulated their wealth during a successful career, from selling a business, or a family inheritance, the experience of the SLB Group in managing, building, and preserving wealth allows clients to pursue the goals in life that matter most to them. We believe that true financial success is when your wealth enables you to achieve what is most important to you.
Some of the services that differentiates the SLB Group:
• Personalized Services including family wealth planning, investment management and asset allocation strategies, tax planning, retirement income planning, and risk management strategies
• Strategies for stock options, restricted stock and concentrated positions
• Social Security timing and maximization strategies
• Trust & Estate Planning Strategies
• Timely and relevant communications on the economy, financial markets, and tax law changes
• Client educational and appreciation events throughout the year
The SLB Group truly cares about making a positive difference in the lives of our clients. By being a client resource on all wealth matters, along with our experience and providing personal attention, our team’s approach to wealth management is comprehensive with the highest standard of service.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Morgan 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.
Whether clients have accumulated their wealth during a successful career, from selling a business, or a family inheritance, the experience of the SLB Group in managing, building, and preserving wealth allows clients to pursue the goals in life that matter most to them. We believe that true financial success is when your wealth enables you to achieve what is most important to you.
Some of the services that differentiates the SLB Group:
• Personalized Services including family wealth planning, investment management and asset allocation strategies, tax planning, retirement income planning, and risk management strategies
• Strategies for stock options, restricted stock and concentrated positions
• Social Security timing and maximization strategies
• Trust & Estate Planning Strategies
• Timely and relevant communications on the economy, financial markets, and tax law changes
• Client educational and appreciation events throughout the year
The SLB Group truly cares about making a positive difference in the lives of our clients. By being a client resource on all wealth matters, along with our experience and providing personal attention, our team’s approach to wealth management is comprehensive with the highest standard of service.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Morgan 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.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Executive Financial ServicesFootnote5
- Stock Option PlansFootnote6
- Cash Management and Lending ProductsFootnote7
- Estate Planning StrategiesFootnote8
- Life InsuranceFootnote9
- Long-term Care InsuranceFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
CORE Process
1. Comprehensive Approach to Wealth and Investment Management
*Goals based wealth planning
*Tax-minimization strategies
*Income and retirement planning
*Insurance & long term care needs assessment
*Social Security timing and maximization strategies
*Investment management based on your personal goals, objectives, and risk tolerance
*Proprietary Team investment process and intense due diligence on managers
*Continuous monitoring of active and tactical asset allocation based on fundamentals, macro-
economics and technicals
*Annual re-assessment of personal goals, objectives and risk tolerance to make sure your asset
allocation is in line with above
*Portfolio rebalancing
*Guide you through difficult periods in the markets by sharing historical perspective
*Tax-minimization strategies
*Income and retirement planning
*Insurance & long term care needs assessment
*Social Security timing and maximization strategies
*Investment management based on your personal goals, objectives, and risk tolerance
*Proprietary Team investment process and intense due diligence on managers
*Continuous monitoring of active and tactical asset allocation based on fundamentals, macro-
economics and technicals
*Annual re-assessment of personal goals, objectives and risk tolerance to make sure your asset
allocation is in line with above
*Portfolio rebalancing
*Guide you through difficult periods in the markets by sharing historical perspective
2. Outstanding Client Service that Focuses on Making a Positive Difference in Your Life
*Dedicated Client Service Associate
*Concierge level relationship support and proactive outreach
*Family wealth planning: advice for parents and children
*Timely and relevant communications on the economy, financial markets, and tax law changes
*Invitation to Events: Client Appreciation and Educational
*Concierge level relationship support and proactive outreach
*Family wealth planning: advice for parents and children
*Timely and relevant communications on the economy, financial markets, and tax law changes
*Invitation to Events: Client Appreciation and Educational
3. Relationship: A Close, Personal Relationship with Your Wealth Management Advisor
*Close, personal relationship with your Wealth Management Advisor
*Back up Wealth Management Advisor team approach
*Financial strategy and investment review – quarterly/semi-annually
* ”House calls” to your location at home or office
*Always available for your calls regarding any and all financial questions regarding personal situations
that may arise
*Help you with changes in your life and family situation
*Someone you can trust and get advice from on all your financial matters
*Be a wise sounding board for ideas you are considering
*Focus on making a positive difference in the lives of our clients
*Back up Wealth Management Advisor team approach
*Financial strategy and investment review – quarterly/semi-annually
* ”House calls” to your location at home or office
*Always available for your calls regarding any and all financial questions regarding personal situations
that may arise
*Help you with changes in your life and family situation
*Someone you can trust and get advice from on all your financial matters
*Be a wise sounding board for ideas you are considering
*Focus on making a positive difference in the lives of our clients
4. Highly Trained: A Team of Wealth Management Advisors that are Certified in Financial Planning, Investment Management and Retirement Planning
*Certified Private Wealth Advisor, CPWA ®
*Certified Financial Planner, CFP®
*Certified Investment Management Analyst, CIMA ®
*Chartered Retirement Planning Counselor, CRPC ®
*Certified Financial Planner, CFP®
*Certified Investment Management Analyst, CIMA ®
*Chartered Retirement Planning Counselor, CRPC ®
Awards & Designations
Best-In-State Wealth Management Team
Recognized by Forbes magazine’s 2023-2025 ranking of Best-In-State Wealth management teams. Awarded to groups of experienced wealth managers that have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
2023-2025 Forbes Best-In-State Wealth Management Teams
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
Disclosures2023-2025 Forbes Best-In-State Wealth Management Teams
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
CFP®
Certified Financial Planner (CFP ®) is a professional certification for financial advisors who have met the rigorous qualifications for financial planning and have years of experience related to delivering financial planning services. CFP® professionals commit to the high ethical standards of the CFP® Board.
CIMA®
Certified Investment Management Analyst (CIMA®) is a professional certification for financial advisors and investment consultants in advanced portfolio construction. The program requires completing a sophisticated investment curriculum to reflect the real-world needs of individuals and institutional investors.
CPWA®
The Certified Private Wealth Advisor® (CPWA®) certification program is an advanced credential created specifically for wealth managers working with high-net-worth clients. Developed by the Investments & Wealth Institute®, the CPWA® program focuses on the life cycle of wealth—accumulation, preservation, and distribution. CPWA® certified professionals are able to identify and analyze the unique challenges high-net-worth individuals face and understand how to develop specific strategies to minimize taxes, monetize and protect assets, maximize growth, and transfer wealth.
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Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
Zelle
Send money with Zelle, is a fast, safe and easy way to send and receive money with almost anyone you know and trust. All you need is their phone number or email address, allowing you to send and receive money within minutes.
Learn All The FeaturesMedia & Resources
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Thoughts on The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Morgan Stanley Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Reports
Morgan Stanley 2024 Income Tax Tables
2024 Federal Tax Tables
To assist clients with investment decisions and to better assist you with this years tax filing.
View Tables HereTo assist clients with investment decisions and to better assist you with this years tax filing.
Tax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
View Tax Strategies
4.5% Annual Percentage Yield Preferred Savings
Morgan Stanley clients with eligible brokerage accounts can earn 4.5% APY through deposits into our Preferred Savings Program for qualifying cash. Contact our team to learn more or click here for more details. Terms apply.
4.5% Annual Percentage Yield Preferred Savings
Secure Act 2.0
The Secure 2.0 Act of 2022 was signed into law on December 29th 2022 as part of the Consolidated Appropriations Act of 2023.
This legislation built upon the Setting Every Community Up for Retirement Act (The Secure Act) enacted in 2019 which was wide-ranging legislation impacting retirement savings.
Secure 2.0 Act of 2022This legislation built upon the Setting Every Community Up for Retirement Act (The Secure Act) enacted in 2019 which was wide-ranging legislation impacting retirement savings.
Stay Cybersafe on Vacation
Help protect yourself on your next trip with these cybersecurity tips.
Stay Cybersafe on Vacation
Basics of Estate Planning
Morgan Stanley Family Office Resources can help integrate family values, philanthropy, and legacy into your unique wealth plan. See below video to learn the basics of your Foundational Estate Plan.
Click here to view Basics of Estate Planning VideoLocation
330 Fellowship Rd
Suite 400
Mount Laurel, NJ 08054
US
Direct:
(856) 222-4592(856) 222-4592
Meet The SLB Group
Gregory P. Lofgren, CFP®
Senior Vice President, Financial Advisor
Phone:
(856) 222-4521(856) 222-4521
C. Brittany Fobia, CRPC™
Wealth Management Associate
Phone:
(856) 222-4587(856) 222-4587
Brynne Springer
Client Service Associate
Phone:
(856) 222-4589(856) 222-4589
About Steven M. Springer
Steven Springer has been helping clients with wealth management strategies and services since 1996. His investment philosophy promotes a disciplined approach to investing where every plan is customized to the individual needs and financial goals of each client.
Steve acquired his Master of Science degree in business psychology from Old Dominion University in Norfolk, Virginia, and a Bachelor's degree from Temple University in Philadelphia, Pennsylvania. Steve holds the Certified Investment Management Analyst® (CIMA®) and the Certified Private Wealth Advisor® (CPWA®) designations.
Away from the office, Steve enjoys sports, music and spending time with his family. He supports numerous local charities in addition to coaching youth baseball. He is married and lives with his wife and children in Haddonfield, NJ.
Steve acquired his Master of Science degree in business psychology from Old Dominion University in Norfolk, Virginia, and a Bachelor's degree from Temple University in Philadelphia, Pennsylvania. Steve holds the Certified Investment Management Analyst® (CIMA®) and the Certified Private Wealth Advisor® (CPWA®) designations.
Away from the office, Steve enjoys sports, music and spending time with his family. He supports numerous local charities in addition to coaching youth baseball. He is married and lives with his wife and children in Haddonfield, NJ.
Securities Agent: NM, VA, MD, IN, NC, IL, TN, SC, PA, OR, NY, ME, LA, FL, CA, DE, CT, CO, TX, DC, MN, NJ, MO; General Securities Representative; Investment Advisor Representative
About Me
Greg Lofgren began his career in financial services in 1998. Greg focuses on building long-term client relationships and providing the highest level of customer service. He adopts a consultative approach to wealth management. He takes time to listen to and review clients’ unique financial situations, preferences and goals. Then he recommends asset allocations customized to their income and growth expectations. Finally, he follows up with personal discussions covering a wide range of topics, including investments, retirement, estate planning services and philanthropy.
Greg earned a Bachelor of Science degree in Finance from The College of New Jersey. In 2005, Greg obtained his CERTIFIED FINANCIAL PLANNER™ certification designation from the Financial Planning Board of Standards in Denver, CO.
He is an avid marathon runner and has run to raise funds for a number of charities, including the Leukemia and Lymphoma Society. He enjoys spending time with family and friends, golfing, and traveling. He is married and lives with his wife and two daughters in Moorestown, NJ.
Greg earned a Bachelor of Science degree in Finance from The College of New Jersey. In 2005, Greg obtained his CERTIFIED FINANCIAL PLANNER™ certification designation from the Financial Planning Board of Standards in Denver, CO.
He is an avid marathon runner and has run to raise funds for a number of charities, including the Leukemia and Lymphoma Society. He enjoys spending time with family and friends, golfing, and traveling. He is married and lives with his wife and two daughters in Moorestown, NJ.
Securities Agent: DC, OR, NC, MN, CT, SC, MD, PA, ME, NM, NJ, MO, LA, TX, CA, VA, IN, DE, CO, TN, NY, IL, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 933746
NMLS#: 933746
About C. Brittany Fobia
Brittany began her career in wealth management in 2015 after nine years in mass media advertising. Her background broadens her professional experience when communicating effectively and meeting the needs of clients. Brittany’s focus is simplifying the client experience while deepening relationships. She holds a Bachelor of Arts degree in Communications from Temple University.
Brittany enjoys spending time with her family and traveling. She lives in South Jersey with her husband and two young children.
*Disclaimer: This role cannot solicit or provide investment advice
Brittany enjoys spending time with her family and traveling. She lives in South Jersey with her husband and two young children.
*Disclaimer: This role cannot solicit or provide investment advice
Contact Steven M. Springer
Contact Gregory P. Lofgren
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?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The SLB 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.
2When 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.
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.
4Morgan 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.
5Morgan 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.
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.
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
2When 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.
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.
4Morgan 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.
5Morgan 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.
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.
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
