Senior Vice President, Wealth Management, Branch Manager, Financial Advisor, Family Wealth Advisor, Insurance Planning Director, Portfolio Management Director
Phone:
(623) 875-2422(623) 875-2422
The Sonoran Summit Group at Morgan Stanley
Direct:
(623) 875-2400(623) 875-2400
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PROCESS: FOCUSED ON YOU AND YOUR GOALS
Only after we understand your full financial picture do we turn our attention to investment management, which involves four key steps.
Personal Review
Before we issue any recommendations, we conduct an extensive fact-finding mission to understand your goals, time horizon, attitude toward risk and other circumstances that may play a role in shaping your investment strategy.
Asset Allocation and Portfolio Planning
We analyze your input and develop an investment strategy intended to help you meet your specific needs in areas such as retirement and education, as well as estate planning and tax-minimization strategies. We then present to you a comprehensive plan that helps to identify appropriate diversification strategies.
Plan Implementation
After presenting you with a detailed strategy for your portfolio, we work closely with you to bring the elements of that strategy to life.
Proactive and Ongoing Monitoring and Reporting
Ongoing communication is a vital component of any good relationship. We make every effort to keep abreast of your changing financial goals and provide viable strategies to help you meet them. If your priorities or circumstances change, we help ensure that your assets are positioned according to your evolving needs. If necessary, we recommend adjustments to your strategy to help keep your portfolio on track.
Comprehensive and Individualized Financial Planning
The Sonoran Summit Group aims to provide you with a comprehensive and personalized view of your financial plan.
Leveraging a suite of tools, including goal-oriented analysis, we work with you to understand your investing preferences, legacy goals and financial vision. Our ongoing commitment is to monitor your progress, make personalized and feasible recommendations, and create a tailored specific solution to help you achieve your goals.
Leveraging a suite of tools, including goal-oriented analysis, we work with you to understand your investing preferences, legacy goals and financial vision. Our ongoing commitment is to monitor your progress, make personalized and feasible recommendations, and create a tailored specific solution to help you achieve your goals.
Retirement Planning
Assisting you in creating a thorough retirement plan that takes your investing preferences, legacy aspirations, and significant life events into account and dynamically adapts investing methods based on the different seasons of your life.
Goals Planning System (GPS)
Whatever it is you want to achieve, we are here to help. The Sonoran Summit Group can help you uncover your needs, manage risk, and build a customized plan to help you reach your financial goals. Goals Planning System (GPS) is Morgan Stanley's integrated planning tool. It is an intuitive and efficient platform used to quickly assess your progress towards achieving your financial goals.
Insurance
We take a close look at your financial profile to see what type(s) of insurance best fit your needs and goals and determine if your current insurance policies are best suited for you and your goals.
Estate Planning Strategies
We look at all aspects of an individual’s estate to understand the potential income tax and estate planning implications. Our goal is to make informed investment decisions looking at your estate plan holistically. Click the link below to learn more about estate planning.
Managing Debt
We review your mortgage, car loans, credits cards, and any other debts that you may have in order to help determine where you can save interest. We help create a timeline for your debt payments by prioritizing which ones should be paid off first.
Managing Investments
We take care of your retirement accounts and other investments based on your preferences, goals, and tax circumstances. We tailor your financial strategy to your unique situation.
VALUABLE TOOLS AND RESOURCES
We believe financial education leads to better insights into our investment strategy and better long-term decisions. As a result, The Sonoran Summit Group is committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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Reserved Living and Giving
Reserved Living & Giving is a complimentary loyalty program available to clients with a minimum of $1M in AUM. It can help clients save time and money on travel, gifts, automobiles and more.
Location
16155 N 83rd Ave
Suite 100
Peoria, AZ 85382
US
Direct:
(623) 875-2400(623) 875-2400
Meet The Sonoran Summit Group
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(623) 875-2438(623) 875-2438
Robert Blendu
First Vice President, Financial Advisor
Phone:
(623) 875-2452(623) 875-2452
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(623) 875-2424(623) 875-2424
Jack Porco
Registered Client Service Associate
Phone:
(623) 875-2408(623) 875-2408
Ivey Lopez
Registered Client Service Associate
Phone:
(623) 875-2401(623) 875-2401
Dawn Thorpe
Portfolio Associate
Phone:
(623) 875-2407(623) 875-2407
About Anthony Esguerra
As a Morgan Stanley Financial Advisor, I am a professional committed to providing you with solutions and resources that can help you achieve your investment planning goals in today’s ever changing financial environment.
After graduating from Michigan State University, I followed my passion in finance with the desire to help others and began my career in financial services. It became my mission to help individuals and their families reach their financial planning goals.
One of the greatest benefits I can provide my clients who are looking to retire with confidence and assurance is the nearly 80-year heritage of experience and financial solutions of Morgan Stanley. I have received the 2023 Five Star Wealth Manager Award, which honors local wealth managers. I am proud to be part of this select group of wealth managers for the ninth consecutive year (2015-2023).
I believe in a well-balanced life and giving back to the community that has offered me so much. I am dedicated to support local charities that are tailored to meet the urgent needs of our community. My contributions have also included participating in local fundraisers to promote healthy living in our community and educational excellence in our schools.
In my spare time, I enjoy playing pickleball, golfing, and the great outdoors. Most of all, I enjoy spending time with my wife and our three beautiful kids.
Disclosure:
2015-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2015-2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
After graduating from Michigan State University, I followed my passion in finance with the desire to help others and began my career in financial services. It became my mission to help individuals and their families reach their financial planning goals.
One of the greatest benefits I can provide my clients who are looking to retire with confidence and assurance is the nearly 80-year heritage of experience and financial solutions of Morgan Stanley. I have received the 2023 Five Star Wealth Manager Award, which honors local wealth managers. I am proud to be part of this select group of wealth managers for the ninth consecutive year (2015-2023).
I believe in a well-balanced life and giving back to the community that has offered me so much. I am dedicated to support local charities that are tailored to meet the urgent needs of our community. My contributions have also included participating in local fundraisers to promote healthy living in our community and educational excellence in our schools.
In my spare time, I enjoy playing pickleball, golfing, and the great outdoors. Most of all, I enjoy spending time with my wife and our three beautiful kids.
Disclosure:
2015-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2015-2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: PR, RI, CA, IN, TX, KY, CT, IL, NM, NE, OK, ME, VT, WV, LA, IA, NH, MT, ID, HI, VI, MS, CO, FL, NC, OR, ND, AK, MO, AL, WI, NJ, NY, DC, NV, SD, MI, UT, VA, WA, TN, WY, OH, GA, AZ, AR, DE, SC, MD, PA, KS, MA, MN; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1406580
NMLS#: 1406580
About John "Jake" Sanford
In 1990, one year after graduating from Notre Dame, I joined Dean Witter. I’m still here! Yes, I have been with the same company (now called Morgan Stanley) for 34 years. I genuinely love what I do: managing money and helping my clients achieve their goals.
With access to Morgan Stanley’s vast array of resources and intellectual capital, I help my clients save for retirement, enjoy their retirement years, and pass their assets on to the next generation in a tax efficient manner. It’s humbling, and I am filled with gratitude to have played a part in each of these phases of my clients’ lives.
In my spare time I enjoy playing golf, hiking, and spending time with my family and friends. I have been married to Nancy for over 32 years. We have three adult children and two grandchildren. Guessing/hoping I will have to update this bio regularly as the family grows 😊
Outside of family and golf I am active in my Catholic faith as a member of The Sovereign Order of Malta, one of the oldest institutions of Western and Christian civilization.
With access to Morgan Stanley’s vast array of resources and intellectual capital, I help my clients save for retirement, enjoy their retirement years, and pass their assets on to the next generation in a tax efficient manner. It’s humbling, and I am filled with gratitude to have played a part in each of these phases of my clients’ lives.
In my spare time I enjoy playing golf, hiking, and spending time with my family and friends. I have been married to Nancy for over 32 years. We have three adult children and two grandchildren. Guessing/hoping I will have to update this bio regularly as the family grows 😊
Outside of family and golf I am active in my Catholic faith as a member of The Sovereign Order of Malta, one of the oldest institutions of Western and Christian civilization.
Securities Agent: NV, MS, KS, HI, GA, WA, UT, NM, DE, CO, AK, OH, IL, FL, CA, ID, VT, VI, VA, NY, NJ, MA, AZ, NC, MT, MO, WY, TX, TN, NH, MN, DC, SD, NE, PA, OK, ND, IN, AR, OR, MI, MD, CT, AL, WI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1369364
NMLS#: 1369364
About Robert Blendu
Robert Blendu served with the Army 101st Airborne Division. Robert also worked over 10 years in the Arizona Legislature, Majority Whip in The Arizona House of Representatives and was President Pro Tempore in the Arizona Senate. He has been with Morgan Stanley, providing quality financial advising services and exceeding client expectations for over 33 years. Robert, originally from Indiana, now lives in Litchfield Park, AZ with his wife Leslie, and two German Shepards, Kenia and Darka.
Securities Agent: NY, NC, MT, AR, OR, MD, IN, WI, IL, ID, ND, MO, WA, VT, OK, NV, NM, IA, TN, PA, NJ, MA, DC, AL, WY, TX, OH, MS, MI, CT, CA, AK, VA, NH, CO, MN, GA, HI, DE, AZ, VI, UT, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1369346
NMLS#: 1369346
About James Clark
As an Arizona native with deep roots in the community, I bring over 30 years of experience to my role as a Portfolio Manager Director and Financial Advisor at Morgan Stanley and its predecessor firms, where I’ve proudly served clients since 1996. I hold a Master’s Degree in Financial Services from The American College and maintain the prestigious Certified Financial Planner™ (CFP®) designation.
My practice focuses on Wealth Planning, Professional Portfolio Management, and Retirement Planning, helping clients navigate life’s most significant milestones with clarity and confidence. I believe in building long-term relationships based on trust, transparency, and a commitment to going the extra mile. Nothing is more rewarding than seeing clients achieve the goals that matter most to them—I truly love what I do.
Outside of work, I’m an avid swimmer and hiker who enjoys exploring the outdoors. I’m also a lifelong learner, currently studying the German language as part of my commitment to personal growth and curiosity. In addition, I’m an active supporter and volunteer for local charities and community fundraisers, giving back to the community that has given me so much.
My practice focuses on Wealth Planning, Professional Portfolio Management, and Retirement Planning, helping clients navigate life’s most significant milestones with clarity and confidence. I believe in building long-term relationships based on trust, transparency, and a commitment to going the extra mile. Nothing is more rewarding than seeing clients achieve the goals that matter most to them—I truly love what I do.
Outside of work, I’m an avid swimmer and hiker who enjoys exploring the outdoors. I’m also a lifelong learner, currently studying the German language as part of my commitment to personal growth and curiosity. In addition, I’m an active supporter and volunteer for local charities and community fundraisers, giving back to the community that has given me so much.
Securities Agent: OK, LA, IA, HI, WV, RI, NM, MI, CA, NV, MT, AL, CO, DC, ME, NC, ID, WI, WA, VA, SD, CT, TX, OR, NE, MN, IL, AZ, AK, OH, NY, NJ, FL, MO, UT, NH, MD, MA, PR, PA, IN, VT, DE, ND, MS, KY, KS, VI, TN, GA, AR, WY, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1268227
NMLS#: 1268227
About Jack Porco
Jack is the newest addition to the Sonoran Summit Group, bringing a unique skillset and wealth of professional experience. Originally from Louisville, KY, Jack attended the University of Kentucky. After completing undergrad, Jack moved to Nashville and began his career in healthcare technology at HCA Healthcare. After several years of leading major projects, Jack took a leap into management consulting, which he did until January of this year. Jack is thrilled to join Morgan Stanley and begin his career in the Financial Services industry. He is passionate about building relationships and serving clients.
About Ivey Lopez
I’m excited to start my new journey at Morgan Stanley with this team. I spent my last few years in the industry and fell in love with the financial world.
I originally started as an art student for interior design right out of high school. I took a break and went back to receive a BS in business and certificate in HR management.
I’m an Arizona native who enjoys all of the outdoors. I love adventuring around the state with my two girls. In my free time I’m usually hiking or taking day trips.
I’m also the secretary of a domestic violence nonprofit called SheThrives. A new hobby, I am learning about the art of tequila making.
I originally started as an art student for interior design right out of high school. I took a break and went back to receive a BS in business and certificate in HR management.
I’m an Arizona native who enjoys all of the outdoors. I love adventuring around the state with my two girls. In my free time I’m usually hiking or taking day trips.
I’m also the secretary of a domestic violence nonprofit called SheThrives. A new hobby, I am learning about the art of tequila making.
About Dawn Thorpe
I began my Career with Morgan Stanley in 2004 and have been with the company for 21 years.
I started out working at two branches in CA in various operational roles and then relocated to Arizona and have now been with the Peoria AZ branch since 2017.
In my free time I am into photography and social media and the car enthusiast scene-clubs, shows and events.
I started out working at two branches in CA in various operational roles and then relocated to Arizona and have now been with the Peoria AZ branch since 2017.
In my free time I am into photography and social media and the car enthusiast scene-clubs, shows and events.
Contact Anthony Esguerra
Contact John "Jake" Sanford
Contact Robert Blendu
Contact James Clark
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
Nikki Ranck
Private Banker
About Nikki Ranck
Nikki Ranck is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona and New Mexico.
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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her 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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
NMLS#: 1075581
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact The Sonoran Summit Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“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.
5Morgan 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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
9Insurance 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’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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“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.
5Morgan 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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
9Insurance 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)
