Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(806) 698-5250(806) 698-5250
The South Plains Group at Morgan Stanley
Direct:
(806) 698-6833(806) 698-6833
Toll-Free:
(800) 858-4169(800) 858-4169
Our Mission Statement
Principled Lifestyle Stewards-Striving to enable our clients' dreams through Financial Planning and Family Wealth Management.
The South Plains Group
Excellence in Family Wealth Planning for Your Family's Unique Goals.
As your life evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. Often, evaluating these options and wisely choosing among them may require the guidance of an experienced team of advisors - a team who not only understands your diverse needs, but has access to customized programs that can be properly utilized to provide you with strategies.
At The South Plains Group at Morgan Stanley, we focus on what is most important to you and provide the skills, sophisticated strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances.
We use a goals-based investment approach that measures success by how you're progressing toward meeting the goals most important to you. It enables you to stay flexible and proactive in managing your portfolio and identifies ways to help improve your results by either altering saving and spending behaviors or changing strategies. Ultimately, goals-based investing empowers you to be more confident in your investment decisions.
As your life evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. Often, evaluating these options and wisely choosing among them may require the guidance of an experienced team of advisors - a team who not only understands your diverse needs, but has access to customized programs that can be properly utilized to provide you with strategies.
At The South Plains Group at Morgan Stanley, we focus on what is most important to you and provide the skills, sophisticated strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances.
We use a goals-based investment approach that measures success by how you're progressing toward meeting the goals most important to you. It enables you to stay flexible and proactive in managing your portfolio and identifies ways to help improve your results by either altering saving and spending behaviors or changing strategies. Ultimately, goals-based investing empowers you to be more confident in your investment decisions.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Wealth ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- 401(k) Rollovers
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- Lending Products
- Alternative InvestmentsFootnote8
- Trust AccountsFootnote9
- Structured ProductsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Step 1: Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Step 2: Formulation of Tax, Trust and Estate Strategy
Step 2: Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Step 3: Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Step 4: Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Step 5: Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Step 6: Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to help ensure that your strategy adapts to changing financial and family needs.
To us, service means much more than providing sound investment advice and strategic guidance. We value our clients as part of a close-knit financial family, and we are proud to serve our clients as a resource, a sounding board, or even a sympathetic ear. Understanding that investments are only one important piece of your overall wealth management strategy, we also serve as the primary coordinators and connectors for all your wealth planning needs including but not limited to:
Financial Planning
Retirement Planning
Wealth Management
401(k) Rollovers
Alternative Investments
Long Term Care Insurance
Family Office Resources
Family Office Resources help clients and Financial Advisors curate and navigate an expansive suite of highly specialized resources to help address the complex multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently. Here are some resources to help you navigate:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative Investments
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
Estate Planning
The Wealth and Estate Planning Strategists look at all aspects of an individual's estate to understand the potential income tax and estate planning attributes of the vehicles, leading to more informed investment decisions when looking at their estate plan holistically.
Learn More
Executive Compensation - Stock & Stock Options
Executives today are increasingly compensated with stock or stock options. It is critical that an executive understands the risk of investing financial assets and the potential reward of preferential income tax treatment.
Learn MoreDigital Tools
Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
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
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn More About Digital Vault
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
MS Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About MS Reserved Living and Giving
Financial Planning Tools
At Morgan Stanley, Goals-Based Wealth Management means that we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial goals.
Learn More About Financial Planning ToolsLocation
4401 82nd St
Lubbock, TX 79424
US
Direct:
(806) 698-6833(806) 698-6833
Toll-Free:
(800) 858-4169(800) 858-4169
Fax:
(806) 698-5246(806) 698-5246
Meet The South Plains Group
Phone:
(806) 698-5246(806) 698-5246
Phone:
(806) 698-5221(806) 698-5221
Heather Salgado
Portfolio Associate, Financial Planning Associate
Phone:
(806) 698-5245(806) 698-5245
About Rodney Fallin
Rodney Fallin, a Senior Vice President, an Alternative Investments Director and Financial Advisor for The South Plains Group at Morgan Stanley, has been dedicated to guiding clients towards their financial goals for over three decades. Starting his journey with Dean Witter in 1993, he's been a steadfast presence, navigating through mergers and industry shifts, always with his client's interests at the forefront.
Rodney's experience in legacy planning, alternative investments, and retirement planning is not just about figures and charts; it's about teaching and empowering you to make informed decisions. Whether you're in the phase of accumulating wealth or distributing it for a comfortable retirement, Rodney, along with his diverse and experienced team, is committed to tailoring strategies to help ensure your goals are met.
Hailing from Lubbock, Rodney's local roots provide a deep understanding of the community he serves. Rodney attended The University of Texas with a background in Chemical Engineering, he leverages his analytical prowess to make insightful financial decisions. Outside of the financial world, Rodney cherishes family moments with his wife, Terri, their two daughters, and six grandchildren. The couple loves traveling, nurturing their Pecan trees, and most importantly, creating memories with their loved ones.
When you collaborate with Rodney, you're not just getting an advisor; you're gaining a partner dedicated to helping ensure your financial journey is as fulfilling as the life you aim to lead.
Rodney's experience in legacy planning, alternative investments, and retirement planning is not just about figures and charts; it's about teaching and empowering you to make informed decisions. Whether you're in the phase of accumulating wealth or distributing it for a comfortable retirement, Rodney, along with his diverse and experienced team, is committed to tailoring strategies to help ensure your goals are met.
Hailing from Lubbock, Rodney's local roots provide a deep understanding of the community he serves. Rodney attended The University of Texas with a background in Chemical Engineering, he leverages his analytical prowess to make insightful financial decisions. Outside of the financial world, Rodney cherishes family moments with his wife, Terri, their two daughters, and six grandchildren. The couple loves traveling, nurturing their Pecan trees, and most importantly, creating memories with their loved ones.
When you collaborate with Rodney, you're not just getting an advisor; you're gaining a partner dedicated to helping ensure your financial journey is as fulfilling as the life you aim to lead.
Securities Agent: NC, MD, KY, KS, HI, FL, WA, OH, CA, SC, PR, NM, NH, GA, WI, OR, MA, CO, UT, SD, VA, RI, PA, CT, ND, ME, IN, IA, DC, AR, VT, LA, AL, TX, OK, AZ, VI, NV, MO, ID, TN, NY, NE, MS, MI, IL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253209
AR Insurance License #: 1247956
NMLS#: 1253209
AR Insurance License #: 1247956
About Arthur Natividad
Dedicated to prioritizing the unique financial aspirations of each client, Arthur Natividad brings a wealth of experience to The South Plains Group at Morgan Stanley. His journey, which began as an intern and culminated in his promotion to Associate Vice President in 2022, is a testament to his deep understanding of financial dynamics and commitment to client success.
With a foundation in Personal Financial Planning from Texas Tech University, Arthur doesn't just provide financial advice – he helps crafts tailored financial roadmaps.
While his academic credentials from Roosevelt High School and Texas Tech University underline his proficiency, it's his background in financial planning that adds value to our team.
Beyond the world of finance, Arthur is a proud family man. Married to Brandi, a Property Tax Consultant with Ace of Texas, they cherish their moments with their three vibrant children: Sidney, Stella, and Sebastian. When he's not crafting financial strategies or spending time with his loved ones, Arthur can be found on the golf course or rooting for Texas Tech Athletics.
With Arthur, you're not just getting a financial advisor; you're gaining a partner who genuinely cares about turning your financial dreams into realities.
With a foundation in Personal Financial Planning from Texas Tech University, Arthur doesn't just provide financial advice – he helps crafts tailored financial roadmaps.
While his academic credentials from Roosevelt High School and Texas Tech University underline his proficiency, it's his background in financial planning that adds value to our team.
Beyond the world of finance, Arthur is a proud family man. Married to Brandi, a Property Tax Consultant with Ace of Texas, they cherish their moments with their three vibrant children: Sidney, Stella, and Sebastian. When he's not crafting financial strategies or spending time with his loved ones, Arthur can be found on the golf course or rooting for Texas Tech Athletics.
With Arthur, you're not just getting a financial advisor; you're gaining a partner who genuinely cares about turning your financial dreams into realities.
Securities Agent: OK, FL, WY, DE, OR, NH, MO, LA, HI, CA, TX, ME, MD, DC, CO, OH, NC, IN, IA, AR, VA, TN, MI, KY, KS, RI, NY, NM, GA, WI, VI, SD, PR, PA, NE, IL, AZ, UT, ND, MA, ID, CT, AL, WA, VT, NV, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1261981
NMLS#: 1261981
About Matt Corkery
In today's financial landscape, it's easy to find advice. But finding tailored, personal guidance? That's where Matt Corkery can help. Each client who partners with Matt receives his undivided attention and benefits from his acute listening skills. He recognizes that every individual's financial journey and retirement goals are unique. Rather than offering generic solutions, Matt delves deep, asking the pivotal questions to help collaboratively address intricate financial situations.
With the backing of Morgan Stanley, Matt has access to a suite of industry-leading wealth management strategies. He's able to help craft plans tailored to every client's distinct needs. Whether it's retirement planning, tax strategies, risk management, estate directives, or lending solutions, Matt's experience, combined with Morgan Stanley's resources, help ensure clients are well-equipped for their financial futures.
A proud West Texas A&M University alumnus hailing from Whitharral, TX, Matt's roots run deep in West Texas. Alongside his wife Susie, he cherishes moments traveling, indulging in trout fishing, and cheering on Texas Tech athletic teams. His past as a collegiate basketball coach fuels his passion for providing private lessons during his leisure time, further showcasing his dedication to mentoring and guidance.
Matt’s commitment extends beyond finance. As a member of the Lubbock Lions Club and having served as the Chairman of the Pancake Festival in 2021, he's deeply embedded in his community, championing initiatives that make a difference.
When you choose to work with Matt Corkery, you're not just getting an advisor – you're gaining a partner who's genuinely invested in turning your financial aspirations into reality.
With the backing of Morgan Stanley, Matt has access to a suite of industry-leading wealth management strategies. He's able to help craft plans tailored to every client's distinct needs. Whether it's retirement planning, tax strategies, risk management, estate directives, or lending solutions, Matt's experience, combined with Morgan Stanley's resources, help ensure clients are well-equipped for their financial futures.
A proud West Texas A&M University alumnus hailing from Whitharral, TX, Matt's roots run deep in West Texas. Alongside his wife Susie, he cherishes moments traveling, indulging in trout fishing, and cheering on Texas Tech athletic teams. His past as a collegiate basketball coach fuels his passion for providing private lessons during his leisure time, further showcasing his dedication to mentoring and guidance.
Matt’s commitment extends beyond finance. As a member of the Lubbock Lions Club and having served as the Chairman of the Pancake Festival in 2021, he's deeply embedded in his community, championing initiatives that make a difference.
When you choose to work with Matt Corkery, you're not just getting an advisor – you're gaining a partner who's genuinely invested in turning your financial aspirations into reality.
Securities Agent: AZ, MA, CA, AR, NC, LA, GA, FL, CT, AL, UT, OR, NV, NE, MD, KS, WI, OK, ND, IL, CO, WA, TX, RI, HI, VI, TN, PR, OH, NH, MI, ME, ID, SD, NY, IN, VA, PA, NM, MS, IA, DC, VT, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1773588
NMLS#: 1773588
About Heather Salgado
At The South Plains Group at Morgan Stanley, Heather is instrumental in enhancing the client experience. With her deep financial acumen combined with her unwavering commitment to stellar customer service, she ensures that every client feels valued and understood.
Born and raised in Pecos, TX, Heather continued her academic journey at Texas Tech University, earning her Bachelor of Business Administration with a focus on Finance in 2010. Since transitioning to Morgan Stanley in 2013, Heather has been an integral Registered Associate, drawing from her valuable experience at Prosperity Bank.
Outside of her professional sphere, Heather wears the proud badge of a devoted mother to her two delightful children, Isabella and Isai. Together, they enjoy the simple joys, from cheering on Isabella at her soccer games to spending cherished moments with family and friends in Pecos.
Born and raised in Pecos, TX, Heather continued her academic journey at Texas Tech University, earning her Bachelor of Business Administration with a focus on Finance in 2010. Since transitioning to Morgan Stanley in 2013, Heather has been an integral Registered Associate, drawing from her valuable experience at Prosperity Bank.
Outside of her professional sphere, Heather wears the proud badge of a devoted mother to her two delightful children, Isabella and Isai. Together, they enjoy the simple joys, from cheering on Isabella at her soccer games to spending cherished moments with family and friends in Pecos.
Contact Rodney Fallin
Contact Arthur Natividad
Contact Matt Corkery
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
Will Curran
Private Banker
Joe Saadi
Trust Specialist
About Will Curran
Will Curran is a Private Banker serving Morgan Stanley Wealth Management offices in Texas.
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.
Will began his career in financial services in 1987, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Market Manager at Presidio Bank. He also served as a Commercial Banking Director at Citibank.
Will is a graduate of the University of California, where he received a Bachelor of Arts in Psychology. He lives in New Braunfels, Texas with his family. Outside of the office, Will enjoys enjoys playing and making guitars, as well as cycling.
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.
Will began his career in financial services in 1987, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Market Manager at Presidio Bank. He also served as a Commercial Banking Director at Citibank.
Will is a graduate of the University of California, where he received a Bachelor of Arts in Psychology. He lives in New Braunfels, Texas with his family. Outside of the office, Will enjoys enjoys playing and making guitars, as well as cycling.
NMLS#: 797351
About Joe Saadi
Joseph Saadi is the Regional Trust Specialist for Morgan Stanley’s Central Region. Within the Trust Services Group, Joe is responsible for delivering the “Open Architecture” trustee platform, which consists of several unaffiliated third-party trust companies who serve in a fiduciary, agency or custodial role for high-net-worth and ultra-high-net-worth families. Joe and the Trust Services Group help Morgan Stanley Financial Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how their corporate trustee partners provide fiduciary services to clients. The process involves reviewing trust documents and statements as well as analyzing family dynamics. Joe then uses this information to help clients select one or more of the Firm’s corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for client trust accounts.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
Wealth Management
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The South Plains Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Alternative 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.
9Morgan 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.
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Alternative 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.
9Morgan 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.
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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Awards Disclosures
CRC 6491812 (04/2024)
