Phone:
(858) 674-3913(858) 674-3913
The Solana Pacific Group at Morgan Stanley
Our Mission Statement
To empower clients to achieve their financial goals and have a confident future through personalized and ethical financial guidance.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Asset Management
- Cash ManagementFootnote1
- Divorce Financial AnalysisFootnote2
- Endowments and FoundationsFootnote3
- Estate Planning StrategiesFootnote4
- Fixed IncomeFootnote5
- Financial PlanningFootnote6
- Philanthropic ManagementFootnote7
- Professional Portfolio ManagementFootnote8
- Retirement PlanningFootnote9
- Wealth PlanningFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR APPROACH
1. Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
2. Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
3. Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
4. Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
5. Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
6. Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
PLAN WITH CONFIDENCE
Your values and goals serve as a foundation upon which we can deliver the value of advice. Our process begins with a thoughtful discussion around what matters most to you and the development of a tailored financial road map.
LifeView – Intelligent Planning
LifeView – Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
Goals Planning System
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.
Click to learn more
Estate Planning
Your Trust & Estate strategy has the potential to be incredibly powerful if executed effectively. We are here to discuss various tax, trust, and estate strategies with you and your external tax and legal advisors to help facilitate implementation of those strategies.
Watch this video here
Retirement Planning
When preparing for retirement, at some point almost everyone struggles with one question: How can I plan for retirement when I have urgent short-term financial needs? We are here to help you navigate through each step of the way so you can enjoy the rest of your life with confidence.
Click to learn moreNAVIGATING TRANSITION
As with any major life transition, divorce is often tumultuous and raises its own unique set of challenges. We believe that a solid financial foundation can help you manage your financial future and simplify your financial life. The articles below offer considerations as you begin the difficult transition. We are here to help – start the conversation by clicking the “Contact Us” link above.
Divorce: Planning for a New Beginning
Major relationship transitions can be overwhelming in both a personal and practical way. Dealing with the impact of divorce on your financial life can make an emotionally difficult time even more challenging. Although it’s seldom easy, you can prepare for it.
Having a Conversation with a Financial Advisor
Financial Planning for Life After Selling a Business
Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.
Life After Selling a Business
Making the Most of Your Sudden Wealth
Financial gains can take many forms:
• Legal settlements
• Proceeds from sale of a business or other assets
• Executive bonuses
• Equity Compensation
Working with a financial advisor will help you identify the issues involved with managing, preserving and maximizing your new wealth.
• Legal settlements
• Proceeds from sale of a business or other assets
• Executive bonuses
• Equity Compensation
Working with a financial advisor will help you identify the issues involved with managing, preserving and maximizing your new wealth.
Taking Control of Your Finances After Divorce or Death of a Spouse
Divorce or the death of a spouse can turn the best laid financial plans upside down. Here are a few considerations to help manage the transition.
Taking Control of Your FinancesDIGITAL TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance virtually every aspect of 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.
Morgen Stanley Online (MSO)
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
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
Security Center
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Learn how to protect yourself online
Thoughts on the Market Podcast
From volatility and geopolitics to economic trends and investment outlooks, stay informed on the key developments shaping today's markets.
Click here to listen
On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy, and more.
Read the latest report hereLocation
16644 West Bernardo Dr
Suite 400
San Diego, CA 92127
US
Meet The Solana Pacific Group
Phone:
(858) 674-3935(858) 674-3935
Phone:
(858) 674-3938(858) 674-3938
Virginia Stagg
Portfolio Associate
Phone:
(858) 674-3916(858) 674-3916
Carrie Foye
Registered Client Service Associate
Phone:
(858) 674-3944(858) 674-3944
About Me
Andrew Axelson, CFP®CIMA® is a Financial Advisor at Morgan Stanley. With over 15 years of wealth management experience, Andrew guides his clients to achieve their financial goals through a holistic planning process and custom financial analysis.
While earning a Bachelor of Business Administration degree in 2008 from the University of Montana, Andrew started his financial career at the Chicago Board of Trade. He then joined JP Morgan Chase. Andrew deepened his financial experience by successfully completing his FINRA Series 6, 7, 63, & 66 exams, as well as his CERTIFIED FINANCIAL PLANNER™ and Certified Investment Management Analyst® designations. In 2024, he joined Morgan Stanley to continue to build his advisory practice.
Understanding that investing and managing personal finances can be an emotional experience, Andrew focuses on delivering his understanding of the markets in combination with Morgan Stanley’s tools and platforms to provide thoughtful strategies for his clients’ wealth management needs. Whether they strive to secure retirement, send children to college, or purchase a forever home, Andrew is passionate about being a part of that process for his clients.
Andrew resides in Point Loma with his wife and two children. Outside of the office, he is a YMCA Adventure Guides Chief, helping his children and community enjoy national parks and the great outdoors. In his free time, Andrew enjoys tennis, golf, boating, snowboarding, and playing guitar.
While earning a Bachelor of Business Administration degree in 2008 from the University of Montana, Andrew started his financial career at the Chicago Board of Trade. He then joined JP Morgan Chase. Andrew deepened his financial experience by successfully completing his FINRA Series 6, 7, 63, & 66 exams, as well as his CERTIFIED FINANCIAL PLANNER™ and Certified Investment Management Analyst® designations. In 2024, he joined Morgan Stanley to continue to build his advisory practice.
Understanding that investing and managing personal finances can be an emotional experience, Andrew focuses on delivering his understanding of the markets in combination with Morgan Stanley’s tools and platforms to provide thoughtful strategies for his clients’ wealth management needs. Whether they strive to secure retirement, send children to college, or purchase a forever home, Andrew is passionate about being a part of that process for his clients.
Andrew resides in Point Loma with his wife and two children. Outside of the office, he is a YMCA Adventure Guides Chief, helping his children and community enjoy national parks and the great outdoors. In his free time, Andrew enjoys tennis, golf, boating, snowboarding, and playing guitar.
Securities Agent: SD, NV, MT, AK, WA, TX, NJ, GA, SC, OR, KY, CA, MO, MI, DC, AZ, NC, TN, AL, PA, ID, AR, WI, IN, CO, WY, UT, MA, IL, FL, OH, NY, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 670569
NMLS#: 670569
About Me
Zhi Hu is a Senior Vice President and Financial Advisor at Morgan Stanley Wealth Management. After graduating from UC Berkeley with a double major in Business Administration and Political Science, he joined the financial services industry where he has helped guide his clients toward achieving their financial dreams.
“I’m passionate about my business because as a financial advisor, we see all different phases of life and there’s nothing better than being able to contribute to a client’s happiness.” For each of his clients, Zhi focuses on developing a comprehensive financial plan and delivering tailored advice after understanding what they want to achieve.
With 20 years of experience in the financial services industry, Zhi joins Morgan Stanley in 2024 to continue to build upon his practice. Zhi currently holds his FINRA Series 7 & 66 exams, as well as his CFP®, CHFC ®,and CDFA ®, designations. He is bilingual in English and Mandarin Chinese.
Zhi resides in North County San Diego with his wife and two children along with their dogs Boba and Truffle. In his free time, he enjoys travelling with his family, ocean fishing, wine, and raising koi fish.
“I’m passionate about my business because as a financial advisor, we see all different phases of life and there’s nothing better than being able to contribute to a client’s happiness.” For each of his clients, Zhi focuses on developing a comprehensive financial plan and delivering tailored advice after understanding what they want to achieve.
With 20 years of experience in the financial services industry, Zhi joins Morgan Stanley in 2024 to continue to build upon his practice. Zhi currently holds his FINRA Series 7 & 66 exams, as well as his CFP®, CHFC ®,and CDFA ®, designations. He is bilingual in English and Mandarin Chinese.
Zhi resides in North County San Diego with his wife and two children along with their dogs Boba and Truffle. In his free time, he enjoys travelling with his family, ocean fishing, wine, and raising koi fish.
Securities Agent: IL, AR, UT, NY, MI, AK, WI, TN, SD, NJ, AZ, PA, CA, NV, MA, AL, OR, FL, WY, SC, ID, GA, TX, MO, OH, NC, MT, KY, CO, WA, IN, MN, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 633027
NMLS#: 633027
About Me
With nearly two decades of service in the financial industry, Jesse has built a wealth management practice across the country to help meet a diverse range of client’s needs. Using his experience in tax optimization, estate planning, stock option management, business succession, and wealth transfer strategies, he helps his client’s achieve their long term goals.
After graduating from the University of Montana, Jesse started his career in law - specializing in litigating cases of financial fraud. In 2007, he transitioned into wealth management by joining an boutique firm renowned for its focus on retirement income planning strategies utilized by pension plans.
Jesse earned the Certified Financial Planner™ (CFP®) designation, further solidifying his position as a trusted advisor in the field of wealth management. As a CFP® professional, he empowers clients to navigate complex financial landscapes with confidence by providing tailored strategies.
His unwavering commitment to client success and deep understanding of financial markets garnered recognition - leading him to serve at two of the world’s largest financial institutions. Jesse recently embarked on an exciting new chapter by joining Morgan Stanley, a global leader in wealth management and financial services. With his team, Jesse will continue his mission to provide personalized, financial guidance to his clients.
Outside of work, Jesse finds joy in spending time with his twin daughters, traveling, attending live music events, and trying new restaurants.
After graduating from the University of Montana, Jesse started his career in law - specializing in litigating cases of financial fraud. In 2007, he transitioned into wealth management by joining an boutique firm renowned for its focus on retirement income planning strategies utilized by pension plans.
Jesse earned the Certified Financial Planner™ (CFP®) designation, further solidifying his position as a trusted advisor in the field of wealth management. As a CFP® professional, he empowers clients to navigate complex financial landscapes with confidence by providing tailored strategies.
His unwavering commitment to client success and deep understanding of financial markets garnered recognition - leading him to serve at two of the world’s largest financial institutions. Jesse recently embarked on an exciting new chapter by joining Morgan Stanley, a global leader in wealth management and financial services. With his team, Jesse will continue his mission to provide personalized, financial guidance to his clients.
Outside of work, Jesse finds joy in spending time with his twin daughters, traveling, attending live music events, and trying new restaurants.
Securities Agent: AL, UT, SD, PA, KY, AK, SC, AR, IL, ID, WY, NY, NJ, NC, IN, WI, TX, TN, MT, GA, FL, CO, OH, MA, WA, MN, CA, OR, NV, AZ, MO, MI, DC; General Securities Representative; Investment Advisor Representative
About Virginia Stagg
Virginia is a Portfolio Associate. She has been at Morgan Stanley since 2011, Prior to working at Morgan Stanley, she worked at Merrill Lynch for 11 years and worked on a trading / broker government and money market desk for 3 years. Virginia holds a Series 7 and 66 license. She moved to San Diego CA in 2020 from the East Coast.
About Carrie Foye
Carrie is a Registered Client Service Associate at Morgan Stanley. She provides administrative and operational support to ensure smooth, efficient client service. Carrie has been at Morgan Stanley for about 2 years and brings 16 years of industry experience. She has Series 7, Insurance and 66 licenses. In her free time, she likes to hike, do road trips, home improvements, and go fly fishing.
Contact Andrew Axelson
Contact Zhi Hu
Contact Jesse Starr
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
Michael Mackowiak
Private Banker
About Michael Mackowiak
Michael Mackowiak is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
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.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
NMLS#: 1069297
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
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 Solana Pacific 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 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
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
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.
10Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
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.
10Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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)
