David M Chlus
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(315) 792-1265(315) 792-1265
The Sound Path Group at Morgan Stanley
Direct:
(315) 797-2000(315) 797-2000
Toll-Free:
(800) 443-5450(800) 443-5450
Our Mission Statement
Combining many decades of experience with a wide range of perspectives—we help you plan for every stage of your and your family’s life.
Our Story
What do you want for yourself and your family 10, 30, or even 50 years down the line? Your answer is important, but it’s only the seed. To help it take root and grow toward the future you envision, you need a sound financial plan.
The plan should be specific to your goals, and nimble enough to accommodate the unexpected. As your financial advisors, we focus on maintaining this balance for you––whether you’re planning for retirement, saving for a child’s education, planning your estate, or trying to mitigate your taxes.
Our team combines many decades of experience with a wide range of perspectives. We operate under two guiding beliefs:
● Since we’re all at different stages of our career, we’re able to help better plan for every stage of your and your family’s life––because we’ve been there ourselves.
● We believe that with a collaborative process, we offer you a comprehensive service that goes far beyond the numbers
To see how we might help you reach your financial goals, give us a call at (315) 797-2000.
The plan should be specific to your goals, and nimble enough to accommodate the unexpected. As your financial advisors, we focus on maintaining this balance for you––whether you’re planning for retirement, saving for a child’s education, planning your estate, or trying to mitigate your taxes.
Our team combines many decades of experience with a wide range of perspectives. We operate under two guiding beliefs:
● Since we’re all at different stages of our career, we’re able to help better plan for every stage of your and your family’s life––because we’ve been there ourselves.
● We believe that with a collaborative process, we offer you a comprehensive service that goes far beyond the numbers
To see how we might help you reach your financial goals, give us a call at (315) 797-2000.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We Believe
- We believe hardworking people deserve hardworking advisors
- We believe your ideal future is sparked by big questions, and nurtured by a sound financial plan
- We believe in using our diverse experience to help you realize your specific dreams
- We believe in helping to protect you and your family from financial risk at every stage of life
- We believe your income shouldn’t end when you retire
- We believe estate planning requires a transfer of values, goals and at the end of the day—an appreciation for their family’s diligent approach to growing wealth
- We believe in being here for this generation and the next
Our Process
A good financial plan starts with people, not spreadsheets. That’s why we don’t use obscure financial jargon or generic plans. Instead, we begin by listening. We want to clearly establish your personal and family goals––that way, we can translate them into a clear set of financial objectives.
The next step is to craft a structured process to help you accomplish your goals. Our team works together to help make sure this blueprint covers all your concerns and risks. We also review the specifics of your current finances to help ensure your new plan rests on a solid foundation.
Using the resources of Morgan Stanley, we construct your portfolio and closely monitor it moving forward. We make adjustments whenever necessary to keep it aligned with your goals, and always ensure you’re comfortable with a change before enacting it.
The next step is to craft a structured process to help you accomplish your goals. Our team works together to help make sure this blueprint covers all your concerns and risks. We also review the specifics of your current finances to help ensure your new plan rests on a solid foundation.
Using the resources of Morgan Stanley, we construct your portfolio and closely monitor it moving forward. We make adjustments whenever necessary to keep it aligned with your goals, and always ensure you’re comfortable with a change before enacting it.
Our Clients
Our clients come from many backgrounds and professions: they’re local, national and international; some are professionals long-retired; others are small business owners thinking about succession; still others are young executives just starting a family.
Thanks to our broad skillset and collaborative approach, we’ve been fortunate to help our clients for many years, guiding them through each stage of their lives, and often, the lives of their children and grandchildren as well.
Whatever life stage you’re at, our commitment remains the same: to be your comprehensive financial resource for this generation and the next. We strive to help you and your family in any way we can, even when it means working outside of our role––to walk you through a large purchase, or work with your professional network, or just be your sounding board.
Thanks to our broad skillset and collaborative approach, we’ve been fortunate to help our clients for many years, guiding them through each stage of their lives, and often, the lives of their children and grandchildren as well.
Whatever life stage you’re at, our commitment remains the same: to be your comprehensive financial resource for this generation and the next. We strive to help you and your family in any way we can, even when it means working outside of our role––to walk you through a large purchase, or work with your professional network, or just be your sounding board.
Community Involvement
- Mohawk Valley Chamber of Commerce, Past Chairman of the Board
- Utica Landmark Tower Corporation, Chairman
- Mohawk Valley Health System Foundation, Board of Directors
- Utica Industrial Development Corporation, Board of Directors
- Yahnundasis Golf Club, Board of Governors
- New York State Council of Health System Pharmacists, Past Chapter President
- New York State Pharmacists Society
- Oneida County Republican Committee
- New Hartford Republican Committee
- National Eagle Scout Association
Location
106 Business Park Dr
Utica, NY 13502
US
Direct:
(315) 797-2000(315) 797-2000
Toll-Free:
(800) 443-5450(800) 443-5450
Meet The Sound Path Group
Sam Berardino
First Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(315) 792-1269(315) 792-1269
Jeffrey Moro, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(315) 792-1214(315) 792-1214
Maria E Broccoli
Associate Vice President, Wealth Management, Financial Advisor
Phone:
(315) 792-1293(315) 792-1293
Alison Diodati
Client Service Associate
Phone:
(315) 792-1254(315) 792-1254
Robin Maciag
Client Service Associate
Phone:
(315) 792-1200(315) 792-1200
Justin Sipley
Registered Associate
Phone:
(315) 792-1266(315) 792-1266
About David M Chlus
David Chlus is a Managing Director, Financial Advisor, and Senior Portfolio Management Director with The Sound Path Group at Morgan Stanley. With three decades of industry experience, he is primarily responsible for helping clients prepare for retirement and other major life transitions.
David earned a Bachelor’s degree from Cornell University and a Master’s degree from Michigan State University––both in Agricultural Economics. He has been affiliated with the investment industry since 1986 and has been with Morgan Stanley since 1990.
David is a member of Little Falls Rotary Club and past Board Member of the Herkimer County Industrial Development Agency Board. David attends St. Peter & Paul Orthodox Church in Herkimer where he also serves as Treasurer.
Outside of the office, David lives in Little Falls with his wife Debie and their four children all nearby. In his spare time, David enjoys helping his family work on their Water Buffalo Farm.
David earned a Bachelor’s degree from Cornell University and a Master’s degree from Michigan State University––both in Agricultural Economics. He has been affiliated with the investment industry since 1986 and has been with Morgan Stanley since 1990.
David is a member of Little Falls Rotary Club and past Board Member of the Herkimer County Industrial Development Agency Board. David attends St. Peter & Paul Orthodox Church in Herkimer where he also serves as Treasurer.
Outside of the office, David lives in Little Falls with his wife Debie and their four children all nearby. In his spare time, David enjoys helping his family work on their Water Buffalo Farm.
Securities Agent: AR, NC, NY, UT, PA, WI, WA, VT, VA, TX, TN, SC, OR, OK, OH, MI, NV, NJ, NH, MT, MO, MN, ME, MD, MA, LA, KS, IN, IL, IA, HI, GA, FL, DE, CT, CO, CA, AZ, AL, AK, DC, WV, ID; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1369849
NMLS#: 1369849
About Sam Berardino
Sam is a First Vice President, Financial Advisor, and Financial Planning Specialist with The Sound Path Group at Morgan Stanley.
A graduate of Albany College of Pharmacy, Sam began his professional career with the Rite Aid Corporation in New Hartford where we worked for 8 years as the Supervising Pharmacist at the New Hartford location before joining Eli Lilly and Company. During his 20 year career with Lilly, Sam held several positions in sales, management, and account management.
In 2007, Sam left the health care industry to pursue a career at Morgan Stanley. Sam’s broad background and diverse experiences give him a unique perspective on financial planning and a good complement to his partners with The Sound Path Group. He is focused developing deep relationships with his clients to help them and their families achieve their goals.
Sam has always been civic minded and committed to his community. He currently serves on various non-profit boards, including; The House of the Good Shepherd, and Mohawk Valley Health System Foundation. Sam is a past board member of the Utica Industrial Development Corporation, Utica Landmark Tower Corporation, and the Greater Utica Chamber of Commerce, where he is a former Chairman of the Board.
Sam enjoys spending time with his family and friends. He and his wife, Laine, have two daughter as well as a grandson and granddaughter. He is an avid skier and golfer.
A graduate of Albany College of Pharmacy, Sam began his professional career with the Rite Aid Corporation in New Hartford where we worked for 8 years as the Supervising Pharmacist at the New Hartford location before joining Eli Lilly and Company. During his 20 year career with Lilly, Sam held several positions in sales, management, and account management.
In 2007, Sam left the health care industry to pursue a career at Morgan Stanley. Sam’s broad background and diverse experiences give him a unique perspective on financial planning and a good complement to his partners with The Sound Path Group. He is focused developing deep relationships with his clients to help them and their families achieve their goals.
Sam has always been civic minded and committed to his community. He currently serves on various non-profit boards, including; The House of the Good Shepherd, and Mohawk Valley Health System Foundation. Sam is a past board member of the Utica Industrial Development Corporation, Utica Landmark Tower Corporation, and the Greater Utica Chamber of Commerce, where he is a former Chairman of the Board.
Sam enjoys spending time with his family and friends. He and his wife, Laine, have two daughter as well as a grandson and granddaughter. He is an avid skier and golfer.
Securities Agent: ID, SC, NV, CT, OH, NJ, ME, LA, IL, HI, DE, WI, VA, OR, NH, IN, VT, MN, CA, TX, PA, NY, MI, MA, AR, WA, NC, MO, GA, CO, AZ, AL, UT, MD, KS, FL, MT, IA, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1316533
NMLS#: 1316533
About Jeffrey Moro
Jeffrey Moro is a Senior Vice President, Financial Advisor, and a CERTIFIED FINANCIAL PLANNER™ Professional with The Sound Path Group at Morgan Stanley. With over a decade of industry experience, he helps retirees, multi-generational families, business owners, corporate executives, and institutions craft successful financial plans for every stage of life.
Jeff graduated summa cum laude from SUNY Institute of Technology with a Bachelor of Science in Business Administration and a concentration in Finance. Jeff began his career at Morgan Stanley as an intern prior to holding various roles, ranging from sales support to operations manager, and served as Branch Manager of the Utica, New York office.
Within The Sound Path Group, Jeff’s focus is on goal-oriented wealth management. He first helps his clients translate their life goals into a set of financial objectives. Then he helps them work toward those objectives without sacrificing their risk protection. Relying on his experience as a branch manager and the global resources of Morgan Stanley, he strives to be a comprehensive financial resource and regularly goes above and beyond his role to do so. At the end of the day, his only goal is to help his clients reach theirs.
Outside the office, Jeff lives in Camillus, New York with his wife, Erin and their two children, Harrison and Samuel. Jeff enjoys running, golfing, and spending time with his family.
Jeff graduated summa cum laude from SUNY Institute of Technology with a Bachelor of Science in Business Administration and a concentration in Finance. Jeff began his career at Morgan Stanley as an intern prior to holding various roles, ranging from sales support to operations manager, and served as Branch Manager of the Utica, New York office.
Within The Sound Path Group, Jeff’s focus is on goal-oriented wealth management. He first helps his clients translate their life goals into a set of financial objectives. Then he helps them work toward those objectives without sacrificing their risk protection. Relying on his experience as a branch manager and the global resources of Morgan Stanley, he strives to be a comprehensive financial resource and regularly goes above and beyond his role to do so. At the end of the day, his only goal is to help his clients reach theirs.
Outside the office, Jeff lives in Camillus, New York with his wife, Erin and their two children, Harrison and Samuel. Jeff enjoys running, golfing, and spending time with his family.
Securities Agent: CO, AK, AL, AR, AZ, CA, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TX, UT, VA, VT, WA, WI, WV; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1367412
NMLS#: 1367412
About Maria E Broccoli
After earning her Bachelor of Science in Business Administration from SUNY Oswego, Maria began her career in the financial services industry in 1994. With her Series 7 & 66 Securities Licenses and Life, Health, & Annuity Licenses, Maria was recruited to Smith Barney in 2000. As a member of the Management Team in the Utica NY branch she added the Series 9 &10 Supervisory Licenses to her credentials. A mother of three and over 2 decades of Financial Services Industry experience, Maria joins the Sound Path Group as a Financial Advisor bringing her wealth management knowledge and excellence in client service to our group. She provides comprehensive wealth management advice focusing on helping guide clients to achieve specific goals on a risk adjusted basis. Through her dedicated service she delivers the personal care and individual attention that has come to define our team’s practice.
Outside of the office Maria enjoys spending time with family and friends. Once an avid Figure Skater, you can often find Maria and her husband at one of their children’s sporting events.
Outside of the office Maria enjoys spending time with family and friends. Once an avid Figure Skater, you can often find Maria and her husband at one of their children’s sporting events.
Securities Agent: NH, DE, MN, IA, CT, CO, NV, NJ, FL, AL, MI, DC, NC, ME, WI, VA, TX, GA, SC, MO, MA, AZ, TN, PA, OR, OK, NY, MD, IL, VT, IN, ID, HI, CA, WA, OH, KS; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1872785
NMLS#: 1872785
About Justin Sipley
Securities Agent: NE, CO, DC, WV, SD, MT, MI, LA, KY, KS, IN, MD, IA, HI, AZ, WI, UT, NJ, DE, AR, OK, NY, NV, NM, NH, NC, MS, TX, RI, PA, ID, CT, TN, MA, IL, SC, CA, AL, VA, PR, OH, AK, OR, MO, MN, FL, WY, WA, VT, ME, GA; General Securities Representative; Investment Advisor Representative
Contact David M Chlus
Contact Sam Berardino
Contact Jeffrey Moro
Contact Maria E Broccoli
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
Elizabeth Menteur
Private Banker
About Elizabeth Menteur
Elizabeth Menteur is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Elizabeth began her career in financial services in 2013, and joined Morgan Stanley in 2017 as a Regional Client Engagement Associate. Elizabeth is a graduate of Northeastern University, where she received a Bachelor of Science in Business Administration with a concentration in Finance and International Affairs and a Master of Business Administration
with a concentration in Finance. She lives in Saratoga Springs, New York.
Outside of the office, she volunteers with Invest in Girls and is a mentor and financial education coach for high school students. Elizabeth enjoys
traveling, painting and gluten free baking.
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.
Elizabeth began her career in financial services in 2013, and joined Morgan Stanley in 2017 as a Regional Client Engagement Associate. Elizabeth is a graduate of Northeastern University, where she received a Bachelor of Science in Business Administration with a concentration in Finance and International Affairs and a Master of Business Administration
with a concentration in Finance. She lives in Saratoga Springs, New York.
Outside of the office, she volunteers with Invest in Girls and is a mentor and financial education coach for high school students. Elizabeth enjoys
traveling, painting and gluten free baking.
NMLS#: 2329114
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
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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.
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.
3When 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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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.
3When 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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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), 3582895 (6/2024)
