Bruce R Barrick, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director, Lending Specialist
Phone:
(561) 620-5061(561) 620-5061
The South Florida Group at Morgan Stanley
Direct:
(561) 620-5061(561) 620-5061
Toll-Free:
(800) 321-1034(800) 321-1034
Our Mission Statement
Helping clients with their personalized investment and financial
strategies, including comprehensive wealth planning for your life and legacy
strategies, including comprehensive wealth planning for your life and legacy
Welcome
For The South Florida Group in Boca Raton, comprehensive wealth management means more than providing our clients with solid investment advice. It means developing a strong financial plan that provides a personalized roadmap as a guide to your financial success. It means helping you maintain the financial independence you've worked your whole lives to achieve; and striving to ensure you have the means to pursue what's most important to you and your family both during your working years and in retirement. It also means understanding our clients as individuals with unique goals, values and circumstances; and providing customized solutions to help achieve those goals. We provide boutique-like service, while utilizing the vast resources of Morgan Stanley, a global leader in wealth management.
Our consultative approach begins with an in-depth discussion of your current financial positioning and future objectives. We effectively address, with equal importance, both the asset and liability sides of your balance sheet. We consider issues you might have overlooked that can have a significant impact on your ability to succeed as planned, and we work with you to implement a strategy, consistent with your risk profile and designed to realize your goals. Finally, we schedule regular sessions to monitor, review and adjust to make sure you stay on track
Our consultative approach begins with an in-depth discussion of your current financial positioning and future objectives. We effectively address, with equal importance, both the asset and liability sides of your balance sheet. We consider issues you might have overlooked that can have a significant impact on your ability to succeed as planned, and we work with you to implement a strategy, consistent with your risk profile and designed to realize your goals. Finally, we schedule regular sessions to monitor, review and adjust to make sure you stay on track
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Professional Portfolio ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Retirement PlanningFootnote6
- 401(k) Rollovers
- Qualified Retirement PlansFootnote7
- Municipal BondsFootnote8
- Alternative InvestmentsFootnote9
- Lending Products
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Business Succession PlanningFootnote12
- Philanthropic Services
- AnnuitiesFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You:
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
1. Introduction and Discovery Meeting(s)
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and future goals. We review your current financial situation and develop strategies that can help you achieve the financial outcome you envision.
2. Financial Plan Presentation and Discussion
Financial plan presentations map out essential factors that play into financial success. Examining all relevant financial information provides a holistic approach which helps ensure a comprehensive financial plan.
3. Actionable items and Next Steps
After the financial plan presentation, we will follow up regarding our analysis and recommendations, which may include adjustments to your financial plan and investment allocation. We will also establish a time line and prioritize key goals.
4. Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
5. Ongoing Monitoring, Tracking and Adjusting
We will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you by having regularly scheduled reviews to make sure make sure concerns and requests are always addressed.
Financial Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving and living.
Wealth Management
We take a holistic approach to bring all the aspects of your financial life together. We use our analysis and experience to develop a customized plan for you.
Retirement Planning
This is paramount to help ensure a successful retirement. We bring intense focus on this process. Whether it be a simple 401k rollover or a more complex situation, you have worked hard to get where you are at. Now it is up to us to help you live your dream retirement.
Estate Planning Strategies
Helping you achieve your goals for an efficient transfer of wealth to future generations or charities is an area where we have experience and resources to help you.
Professional Portfolio Management
Based on your goals, assets and input, we create an investment portfolio tailored to your unique needs.
Asset Protection Planning
We develop customized strategy that is designed to not only focuses on asset growth, but help manage that growth to minimize unnecessary risk.
Cash Management and Lending
We have the ability to offer you or your business a wide variety of industry leading solutions.
Education Planning
We believe that education is important, but we also believe that proper planning is key in making sure you are prepared to cover the potential costs that could arise.
Creating Value for Business Owners
As you may know, Morgan Staley provides a wide range of business services. The demands associated with a growing business tend to be all-encompassing. As a result, business owners often fail to create or implement any type of estate plan. In the absence of such a plan, the business owner's exit from the business or untimely demise may have a variety of unanticipated consequences. Click the link below to get a sense of how we can create value for Business Owners.
Learn MoreWe see financial planning as a process, not an event
The Morgan Stanley Wealth Management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life — your investments and your cash management needs — making sure they align with your goals and wealth management plan. Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
1. Personal:
Highly individualized and committed to helping you achieve financial success.
2. Flexible:
Responsive to changes in your life and in your priorities over time.
3. Comprehensive:
Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
Certified Financial Planner® (CFP®)
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first.
Bruce holds this designation.
Bruce holds this designation.
VALUABLE TOOLS AND RESOURCES:
Our comprehensive suite of digital tools are designed to help enhance 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.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
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
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
2025 Income Tax Tables
Federal tax information for 2025, including Income Tax Tables, Contribution Limits, Deadlines, etc.
Click Here To View The 2025 Income Tax TablesLocation
1801 N.Military Tr
Ste 300
Boca Raton, FL 33431
US
Direct:
(561) 620-5061(561) 620-5061
Toll-Free:
(800) 321-1034(800) 321-1034
Meet The South Florida Group
Lawrence Miller
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(561) 620-5082(561) 620-5082
Noah Barrick
Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(561) 620-5102(561) 620-5102
Alyssa Roberts
Client Service Associate
Phone:
(561) 620-5006(561) 620-5006
About Bruce R Barrick
Bruce Barrick, CFP®, is a Senior Vice President, Portfolio Management Director, and Lending Specialist for Morgan Stanley with The South Florida Group in Boca Raton, Florida. He is a CERTIFIED FINANCIAL PLANNER™ professional. Since 1991, Bruce has been providing clients with comprehensive financial planning and wealth management, including portfolio management, cash management and access to lending services. His focus is on the financial planning process as he feels that financial planning establishes the roadmap for all components of long-term financial success and achievement of their life goals.
Bruce grew up in New Milford, Connecticut; and earned his business degree from Boston University in 1982. After ten years in the technology and real estate businesses, he began his financial career at Merrill Lynch in 1991; and he has been with Morgan Stanley since joining the firm in 2008.
Bruce lives in Boca Raton with his wife, Marcy. He loves spending time with her and travelling with their two adult children. He also enjoys basketball, golf and woodworking. He and Marcy are advocates of giving back to the community; and they are involved in several local charities and community organizations.
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
Bruce grew up in New Milford, Connecticut; and earned his business degree from Boston University in 1982. After ten years in the technology and real estate businesses, he began his financial career at Merrill Lynch in 1991; and he has been with Morgan Stanley since joining the firm in 2008.
Bruce lives in Boca Raton with his wife, Marcy. He loves spending time with her and travelling with their two adult children. He also enjoys basketball, golf and woodworking. He and Marcy are advocates of giving back to the community; and they are involved in several local charities and community organizations.
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
Securities Agent: MO, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, LA, MA, MD, MI, MS, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255599
NMLS#: 1255599
About Lawrence Miller
Larry Miller is a Senior Vice President, Financial Advisor and Portfolio Management Director with the South Florida Group in Boca Raton. He began his career in the financial services industry in 1986, concentrating on retirement planning for individuals, professionals and business owners.
Following in his father’s footsteps, his first full-time job was in the life insurance business. He transitioned to the full-service side of the business so he could serve his clients in all facets of the wealth management process; and see their plans through to fruition. Larry has drawn from his thirty plus years of experience to find unique and customized solutions for clients’ unique and individual needs. Larry leaves no stone unturned in his efforts to accompany each client on their journey to financial success.
Originally from Brooklyn, New York, Larry has been in South Florida for over 40 years. He has been married to his wife, Tracy for over thirty years; they have two adult children, Scott and Olivia. He enjoys travelling, music and movies; and is a huge sports fan. His favorite times are just being with his family and having the opportunity to share their experiences together.
Following in his father’s footsteps, his first full-time job was in the life insurance business. He transitioned to the full-service side of the business so he could serve his clients in all facets of the wealth management process; and see their plans through to fruition. Larry has drawn from his thirty plus years of experience to find unique and customized solutions for clients’ unique and individual needs. Larry leaves no stone unturned in his efforts to accompany each client on their journey to financial success.
Originally from Brooklyn, New York, Larry has been in South Florida for over 40 years. He has been married to his wife, Tracy for over thirty years; they have two adult children, Scott and Olivia. He enjoys travelling, music and movies; and is a huge sports fan. His favorite times are just being with his family and having the opportunity to share their experiences together.
Securities Agent: NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, MO, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, LA, MA, MD, MI, MS, NC, NH, NJ, NM, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1800836
NMLS#: 1800836
About Noah Barrick
Noah Barrick is a Financial Advisor, Portfolio Manager, and Financial Planning Specialist for the South Florida Group at Morgan Stanley. He graduated from Florida State University with a bachelor’s Degree in Marketing and Hospitality. After working as a summer intern for the South Florida Group during college, Noah officially began his career in 2020 when he joined Morgan Stanley as client service associate; and he became a financial advisor in 2021.
Having exposure to the industry at a young age, Noah was able to see firsthand, the positive impact financial advisors can have on their clients. His interest in finance began early on when he learned about the stock market; and he realized that his money could work for him if he would save and invest it rather than spend it.
Noah is passionate about helping clients reach their unique financial goals and is a firm believer in the financial planning process. He approaches every plan with great care, detail and thoughtfulness. In 2024, Noah earned his membership into Morgan Stanley's Prestigious Pacesetter's club for his continued display of excellence and commitment to his clients.
Outside of work, Noah is an avid basketball player, and a fan of college and professional sports. He also volunteers in the community as a youth basketball coach. He is thrilled to work alongside his father and Larry as they have been his mentors for many years. Noah enjoys spending time with friends and family; and travelling when he can.
Having exposure to the industry at a young age, Noah was able to see firsthand, the positive impact financial advisors can have on their clients. His interest in finance began early on when he learned about the stock market; and he realized that his money could work for him if he would save and invest it rather than spend it.
Noah is passionate about helping clients reach their unique financial goals and is a firm believer in the financial planning process. He approaches every plan with great care, detail and thoughtfulness. In 2024, Noah earned his membership into Morgan Stanley's Prestigious Pacesetter's club for his continued display of excellence and commitment to his clients.
Outside of work, Noah is an avid basketball player, and a fan of college and professional sports. He also volunteers in the community as a youth basketball coach. He is thrilled to work alongside his father and Larry as they have been his mentors for many years. Noah enjoys spending time with friends and family; and travelling when he can.
Securities Agent: NV, OH, OK, OR, PA, SC, TN, TX, VA, NY, LA, NJ, NH, NC, MS, MN, MI, MD, MA, IN, IL, HI, GA, FL, DE, DC, CT, CO, CA, AZ, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 2338190
NMLS#: 2338190
About Alyssa Roberts
Alyssa Roberts is a Client Service Associate with the South Florida Group. She is focused on providing outstanding service; and is most proud of the relationships she has built with clients over the years. She enjoys getting to know them on a personal level.
Alyssa began her career with Smith Barney in 1995 as a receptionist while attending college. She then worked in operations for ten years before becoming a branch administrator at Oppenheimer. She joined Morgan Stanley with the South Florida Group in 2014 and has become an integral part of the team; “We treat each other like family; and that feeling comes through in our service to clients”.
Alyssa is the proud mother of three daughters and two dogs; she loves spending time with all of them. She enjoys travel, kick boxing and cooking; especially experimenting with new recipes.
Alyssa began her career with Smith Barney in 1995 as a receptionist while attending college. She then worked in operations for ten years before becoming a branch administrator at Oppenheimer. She joined Morgan Stanley with the South Florida Group in 2014 and has become an integral part of the team; “We treat each other like family; and that feeling comes through in our service to clients”.
Alyssa is the proud mother of three daughters and two dogs; she loves spending time with all of them. She enjoys travel, kick boxing and cooking; especially experimenting with new recipes.
Contact Bruce R Barrick
Contact Lawrence Miller
Contact Noah Barrick
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
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 South Florida Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
5When 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
7When 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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
13Annuities 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 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
5When 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
7When 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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
