Executive Director, Wealth Management, Financial Advisor, Branch Manager, Senior Portfolio Management Director, Alternative Investments Director
Phone:
(850) 470-8014(850) 470-8014
The Snider Group at Morgan Stanley
Direct:
(850) 470-8014(850) 470-8014
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Us
As your Financial Advisors, we focus on the decisions that you can make today to help lead to a better future. Our commitment to excellence is driven by our clients. Through leveraging our team's experience and skilled focus, we are able to deliver the highest level of service to our outstanding clients.
We take pride in bringing a holistic approach to understanding and optimizing your financial picture. With over 85 years of experience, we understand that each client we work with has a unique situation and needs a tailored strategy to unlock all of their potential.
We make every decision with attention to extreme detail because together we can help shape both your portfolio and your future.
We take pride in bringing a holistic approach to understanding and optimizing your financial picture. With over 85 years of experience, we understand that each client we work with has a unique situation and needs a tailored strategy to unlock all of their potential.
We make every decision with attention to extreme detail because together we can help shape both your portfolio and your future.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Understanding Your Financial Needs
At Morgan Stanley, we believe in taking a high level, holistic approach to your family's financial needs. Our practice values getting to know each one of our clients and their unique financial situation in order to fully leverage our financial experience.
Step 1: Introductory Meeting
We start each and every relationship off by taking an empathetic approach to learning about you, your lifestyle, and future goals. Understanding your current financial situation and what matters to you is the first step to a successful relationship.
Step 2: Financial Plan
We take the information we learned about you to identify essential factors that will help you reach your aspirations. Examples of these factors include retirement plan contributions, liquidity events, insurance coverage, and many others. It is important for us to use our financial experience to build a plan for your specific needs.
Step 3: Strategic Implementation
In phase three of our relationship, we share our prospective strategies designed on a case-by case basis. This plan will have a heavy focus on asset allocation modifications, savings adjustments, and tax impacts.
Step 4: Performance Monitoring
Our commitment to your family's financial success never goes away. We regularly monitor your assets. Your concerns and requests are equally as important to us as they are to you.
PLANNING YOUR FUTURE
As Financial Advisors, our goal is to help you reach your goals. We do this by carefully breaking down your investing time horizon, needs, and wants to effectively build a plan for you and your family.
Personal
Knowing our clients is undeniably one of our greatest assets as wealth advisors. We have found that the best way to assist you in relieving stress and achieving your goals is through a strong foundation.
Flexible
With over 25 years of experience, we have seen some of the most challenging financial situations. No matter what life brings, we are prepared to face your challenges and build a plan designed to help ensure your financial success.
Holistic
With a wide range of investment products and knowledge, we build a plan that covers the whole picture. From estate planning strategy to tax saving and everything in between, we build an extensive plan for your needs.
Getting Started
To begin your financial planning, please feel free to send our team an email which can be found on the home page.
Valuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect on your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Check out the latest report
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Check out the latest report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check out the latest episode
A Parent's Guide to Talking to Your Kids About Money
Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.
Click here for more
You Can't Manage Portfolio Risk Without Seeing The Big Picture
What if there were a resource that could show you where your investment exposures are and how they might affect your returns in different scenarios?
Click here for more
6 Money Questions to Ask Your Partner Before You Commit
Thinking of taking the next step with someone special? Head off money headaches by talking about your finances first.
Click here for moreYOUR GUIDE TO TAX-EFFICIENT PLANNING
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Prepare for Tax Day
The countdown to Tax Day has begun. Here are some steps you can take as the deadline approaches.
2024 Tax Tables
Tax-Efficient Investing
Tax-efficient investing techniques may help you lower your tax burden and increase your long-term wealth.
Steps That May Reduce Taxes on Your Income and Portfolio
Tax Strategies for Retirement
Taking steps to minimize the impact of your taxes on your retirement portfolio can help you enjoy more of your nest egg.
Making the Most of Your Retirement Savings
Tax-Smart Giving
Whether you want to donate to charity or invest in a loved one's future, there are tax-aware ways to make your giving go further.
Next Generation Gifting ConsiderationsLocation
850 S. Palafox St.
Suite 200
Pensacola, FL 32502
US
Direct:
(850) 470-8014(850) 470-8014
4458 Legendary Drive
Suite 300
Destin, FL 32541
US
Direct:
(850) 470-8016(850) 470-8016
Meet The Snider Group
First Vice President, Financial Advisor, Resident Manager, CERTIFIED FINANCIAL PLANNER®
Phone:
(850) 470-8008(850) 470-8008
Stacy Lentine
Portfolio Associate
Phone:
(850) 470-8015(850) 470-8015
Kimberly James
Portfolio Associate
Phone:
(850) 470-8016(850) 470-8016
DeShana Williams-Harbaugh
Registered Client Service Associate
Phone:
(850) 470-8013(850) 470-8013
About Paul R. Snider
Paul's practice is focused on working comprehensively with his clients' financial affairs. He advises a limited number of affluent clients in connection with the planning and management of their wealth, including investment and liability management.
Paul has spent the past 30+ years serving individual clients and their extended families. As a Senior Portfolio Management Director at Morgan Stanley, he and the other advisors in The Snider Group help clients manage over $800 million of assets as of April, 2024. He leverages the intellectual capital, platform, specialists, and vast resources of Morgan Stanley to deliver exceptional service to his clients. He graduated from Mississippi State University with a B.B.A. in Banking & Finance.
Paul is active in the community and currently serves on the Gulf Breeze Hospital Community Board and the Baptist Healthcare Finance Committee. He previously served on the Pensacola State College District Board of Trustees and Pensacola Little Theatre Investment Committee and is a Past President and Paul Harris Fellow of the Rotary Club of Gulf Breeze. Paul lives in Gulf Breeze with his wife Sherie and three sons.
Paul was recently named to the Forbes Magazine 2020, 2021, 2022, 2023 and 2024 list of Best-In-State Wealth Advisors.
2020-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Paul has spent the past 30+ years serving individual clients and their extended families. As a Senior Portfolio Management Director at Morgan Stanley, he and the other advisors in The Snider Group help clients manage over $800 million of assets as of April, 2024. He leverages the intellectual capital, platform, specialists, and vast resources of Morgan Stanley to deliver exceptional service to his clients. He graduated from Mississippi State University with a B.B.A. in Banking & Finance.
Paul is active in the community and currently serves on the Gulf Breeze Hospital Community Board and the Baptist Healthcare Finance Committee. He previously served on the Pensacola State College District Board of Trustees and Pensacola Little Theatre Investment Committee and is a Past President and Paul Harris Fellow of the Rotary Club of Gulf Breeze. Paul lives in Gulf Breeze with his wife Sherie and three sons.
Paul was recently named to the Forbes Magazine 2020, 2021, 2022, 2023 and 2024 list of Best-In-State Wealth Advisors.
2020-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: DE, PR, VI, VT, WI, WA, WY, VA, UT, TN, SD, SC, OR, RI, NV, NM, NE, MN, MT, MS, ND, MI, ME, NJ, NY, MA, OH, LA, KY, NC, MD, NH, MO, KS, IN, PA, IL, ID, OK, FL, CA, IA, AL, AK, HI, AR, AZ, CT, DC, CO, GA, WV, TX; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1265311
NMLS#: 1265311
About Richard Wright
Rick has spent the last 20+ years in the Wealth Management business. Rick’s approach to financial planning is to move beyond the traditional model of primarily building financial resources to achieve client goals like retirement or providing for their families. His risk-management process focuses on identifying things that might occur either specifically to the client or in the world as a whole that might have a negative effect on the financial plan and then implementing a strategy for managing and minimizing those effects. He has also developed a high level of experience in implementing a variety of strategies for creating an income stream for his retired clients so that each client can make an informed decision about the strategy that they are most comfortable with.
Originally from Pennsylvania, Rick’s first career was in the technology industry – starting as a software engineer and ultimately becoming President and C.E.O. of two different technology firms.
Rick graduated with a Bachelor of Science Degree in Computer Science in 1978 and a Master’s Degree in Business Administration with an Organizational Behavior focus in 1985; both degrees were from the Florida Institute of Technology in Melbourne, FL. Rick’s industry certifications include being a Certified Financial Planner, a Chartered Financial Consultant, and a Retirement Income Certified Professional.
Rick currently lives in Pensacola, Florida with his wife of 35 years, Debbie. They have one grown daughter, two grandchildren and two great-grandchildren.
2020-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Originally from Pennsylvania, Rick’s first career was in the technology industry – starting as a software engineer and ultimately becoming President and C.E.O. of two different technology firms.
Rick graduated with a Bachelor of Science Degree in Computer Science in 1978 and a Master’s Degree in Business Administration with an Organizational Behavior focus in 1985; both degrees were from the Florida Institute of Technology in Melbourne, FL. Rick’s industry certifications include being a Certified Financial Planner, a Chartered Financial Consultant, and a Retirement Income Certified Professional.
Rick currently lives in Pensacola, Florida with his wife of 35 years, Debbie. They have one grown daughter, two grandchildren and two great-grandchildren.
2020-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: ND, NM, RI, VT, TX, WY, IA, KS, MO, WV, WI, WA, VI, VA, UT, TN, SD, SC, PR, PA, OR, OK, OH, NY, NV, NJ, NH, NE, NC, MT, MS, MN, MI, ME, MD, MA, LA, KY, IN, IL, ID, GA, FL, DC, CT, CO, CA, AZ, AR, AL, AK, DE, HI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1632034
NMLS#: 1632034
About Stacy Lentine
Stacy is a portfolio associate with over a decade of financial services experience. She has been with Morgan Stanley for eleven years and with the Snider group for the past 7 years. Stacy has a passion for helping clients and brings to the practice a wealth of knowledge and expertise in client relations and operations.
She is a graduate of the University of Florida with a Bachelor's of Science in Business Administration majoring in Economics and is FINRA Series 7, 66, 9 and 10 licensed.
She resides in Lillian, Alabama with her husband, Chris, and daughter, Evelyn. They love where they live and are thoroughly enjoying exploring the area like new through the eyes of a curious toddler.
She is a graduate of the University of Florida with a Bachelor's of Science in Business Administration majoring in Economics and is FINRA Series 7, 66, 9 and 10 licensed.
She resides in Lillian, Alabama with her husband, Chris, and daughter, Evelyn. They love where they live and are thoroughly enjoying exploring the area like new through the eyes of a curious toddler.
About Kimberly James
Kimberly is a Portfolio Associate who has been in the industry for over 20 years. She first started at Merrill Lynch and made the move to Morgan Stanley later in her financial career. Kimberly began in wealth management before transitioning into private client services where she spends time developing meaningful relationships with clients. Now, Kimberly has taken over as the Snider Group point of contact for all client service and administrative needs.
Kimberly attended the University of Florida and majored in Finance while also receiving her MBA from University of Florida. She also holds her CRPC, Series 7, Series 9 and Series 66 licenses.
Kimberly thrives in fast-paced environments due to her skillset in critical thinking, ingenuity, attention to detail, and proactive communication. With a tenured history working in different roles and dealing with numerous different personality types, she brings a huge value ad to the team.
Outside of work, Kimberly enjoys running and spending her time on the beach. Also, Kimberly is involved with the Sonder Project which is based in Santa Rosa Beach and focuses on community development of domestic and international areas in need.
Kimberly attended the University of Florida and majored in Finance while also receiving her MBA from University of Florida. She also holds her CRPC, Series 7, Series 9 and Series 66 licenses.
Kimberly thrives in fast-paced environments due to her skillset in critical thinking, ingenuity, attention to detail, and proactive communication. With a tenured history working in different roles and dealing with numerous different personality types, she brings a huge value ad to the team.
Outside of work, Kimberly enjoys running and spending her time on the beach. Also, Kimberly is involved with the Sonder Project which is based in Santa Rosa Beach and focuses on community development of domestic and international areas in need.
About DeShana Williams-Harbaugh
DeShana Williams-Harbaugh joins the Snider Group as a seasoned Registered Client Associate with over 15 years of experience in the financial services industry. She adds a wealth of knowledge and expertise to our team having worked at Fidelity Investments in Texas and Morgan Stanley in Honolulu . She holds Series 7 and 66 licenses and is a graduate of Central Michigan University. In addition to her professional achievements, DeShana is a proud military spouse to her husband, Robert, who has served 23 years as a Navy Corpsman. Together, they enjoy hiking, traveling to new destinations and cherishing quality time with their twins and two pups.
Contact Paul R. Snider
Contact Richard Wright
Wealth Management
Global Investment Office
Portfolio Insights
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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
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 Snider 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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’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.
4Alternative 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.
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.
7The 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.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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’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.
4Alternative 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.
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.
7The 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.
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)
