Phone:
(215) 230-6904(215) 230-6904
The Spectrum 1935 Group at Morgan Stanley
Direct:
(215) 497-7067(215) 497-7067
Direct:
(215) 230-2912(215) 230-2912
Our Mission Statement
Our purpose is helping you achieve your financial objectives. Our focus is you.
Our Story
At the heart of our practice is a deep commitment to understanding your unique financial goals and personal circumstances. Whether you’re a business owner, an executive, a retiree, or just preparing for your financial future, we provide customized investment strategies designed to help you navigate life’s transitions. Our services span the full spectrum of financial planning—offering solutions for investment, estate, retirement, education, cash management, lending, life insurance, and more.
With decades of combined experience, we recognize that effective wealth management goes beyond reacting to market fluctuations. It’s about proactively aligning your financial strategies with your life’s evolving priorities. By leveraging the world-class research and economic expertise of our global firm, we ensure that every decision is backed by the intellectual capital and resources necessary to help you achieve your long-term objectives.
We believe in a personal, one-on-one relationship with each of our clients—building trust through understanding. We take the time to learn about your hard-earned success and what matters most to you, whether you’re planning for retirement, purchasing a home, or funding a child’s education. As your priorities shift, we’re here to adjust our approach, keeping you on track to a successful future.
Our team is passionate about helping you make confident, informed decisions. We’re here for you not just today, but for generations to come, ensuring that your family’s financial legacy is well-managed and thoughtfully planned. Our approach is built on the belief that your financial well-being should give you peace of mind, and that achieving your goals is a journey we take together.
With decades of combined experience, we recognize that effective wealth management goes beyond reacting to market fluctuations. It’s about proactively aligning your financial strategies with your life’s evolving priorities. By leveraging the world-class research and economic expertise of our global firm, we ensure that every decision is backed by the intellectual capital and resources necessary to help you achieve your long-term objectives.
We believe in a personal, one-on-one relationship with each of our clients—building trust through understanding. We take the time to learn about your hard-earned success and what matters most to you, whether you’re planning for retirement, purchasing a home, or funding a child’s education. As your priorities shift, we’re here to adjust our approach, keeping you on track to a successful future.
Our team is passionate about helping you make confident, informed decisions. We’re here for you not just today, but for generations to come, ensuring that your family’s financial legacy is well-managed and thoughtfully planned. Our approach is built on the belief that your financial well-being should give you peace of mind, and that achieving your goals is a journey we take together.
Services Include
- Cash ManagementFootnote1
- 401(k) Rollovers
- Financial PlanningFootnote2
- Lending Products
- Life InsuranceFootnote3
- Long Term Care InsuranceFootnote4
- Professional Portfolio ManagementFootnote5
- Retirement PlanningFootnote6
- Wealth ManagementFootnote7
- Estate Planning StrategiesFootnote8
- Planning for Education FundingFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Client Experience
Our clients choose us because we have a genuine interest in their success. For us, it’s about building long-term relationships and seeing ongoing growth. We often see a single client, become a multi-generational relationship.
We will only make recommendations that are consistent with your investment objectives, timelines and risk tolerance levels.
With our experience and personalized approach, reaching financial goals can be less challenging and more rewarding. By pooling our knowledge and insights and utilizing the vast resources of Morgan Stanley, we are here to help.
We will provide complete disclosure of any fees or compensation that we may receive.
A full understanding of costs is essential to evaluating the effectiveness of any products or services that you may consider.
We will be consistent and predictable in our actions.
In a world of vast investment choices, careful wealth planning is essential to helping our clients achieve their objectives. We are dedicated to helping develop a strategy that lays out a clear path to our clients’ goals.
Expectations of communication
As our client, you can expect communication in good markets and bad. We are available to you and strive to offer our clients the finest thinking, products and strategies to help you achieve your specific goals.
We will strive to be your single point of contact to help you manage your broad range of financial needs.
When you look at wealth management from a long-term perspective, one thing becomes clear: it’s about the future, not just money. Over time, we can help our clients navigate challenging markets, providing a disciplined sense of focus on what’s most important — progress toward financial success.
Morgan Stanley Online
Morgan Stanley Online has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorization.
View AccountTotal Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you’ll benefit from more informed wealth planning, secure data access and convenient connectivity.
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Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents such as wills, financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Vault Access
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Access Tool
Mobile Check Deposit
With the mobile app, you can use mobile check deposit to quickly deposit checks drawn on a U.S. bank anytime, anywhere from your device with some of the highest deposit limits in the industry.
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Online Transfers with eAuthorizations
Electronically authorize domestic and international one-time or recurring transactions through Morgan Stanley Online and the mobile app.
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Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn MoreCommunity Involvement
Outside of our practice, we continue our passion for helping others by staying involved in our community and giving back to those in need.
Carry the Load
This is an event to honor and remember our nation's heroes who have made the ultimate sacrifice while serving our country This year, the team joined together and attended a relay in May.
Carry the Load WebsiteFood Bank of South Jersey
We had the pleasure of working beside volunteers from Morgan Stanley, in addition to the selfless full-time staff from the Food bank of South Jersey in June. Tim said, "There was a fantastic banner in the Warehouse where we were breaking down, sorting and repacking food donations that contained a quote from Albert Einstein. It read, 'Only a life lived for others is worth living' What an absolutely fantastic quote."
For more information on the Food Bank of South Jersey and the important work they do, check out their website linked below.
Food Bank of South Jersey WebsiteFor more information on the Food Bank of South Jersey and the important work they do, check out their website linked below.
Uplifting Athletes
Tim and his dog Rosie participated in the 10,000 mile challenge with "Uplifting Athletes" this past year. The challenge aims to raise money for underfunded and rare disease research. Tim and Rosie walked and ran 200 miles in 10 days!
For more information about Uplifting Athletes visit their website linked below.
Uplifting Athletes WebsiteFor more information about Uplifting Athletes visit their website linked below.
Philabundance
Our team members are coordinators for Philabundance in the Yardley, PA office. We gather our colleagues and friends to collect, donate, and delivery food for shelter distribution.
For more information about Philabundance, visit their website linked below.
Philabundance WebsiteFor more information about Philabundance, visit their website linked below.
Project Sunshine
The team put together STEM activity kits for hospital bound children as a part of Project Sunshine.
For more information about Project Sunshine, visit their website linked below.
Project Sunshine WebsiteFor more information about Project Sunshine, visit their website linked below.
Financial Literacy
Tim and some other kind hearted folks from Morgan Stanley spent some time teaching financial literacy to school age children in middle and high school under the Women in Wealth program at the Firm. Hoping not only to teach a good understanding of financial basics but financial independence as well.
St. John's Soup Kitchen
Recently, members of the ArcPoint group travelled to Newark, NJ to spend the day volunteering at the Soup Kitchen at St. John’s Church, which was started by Msgr. John P. Hourihan (“Father John” as he was affectionally known). Fr. John dedicated his life to helping the poor, the disabled and those in need, with great love and energy, and with the support of many people. He was able to keep the important work done at St. John’s alive through the free-will offerings of “doers & donors” as he liked to call the hundreds of volunteers and benefactors who supported his work. The day was spend receiving donations, organizing and delivering them, along with the distribution of supplies, and cold and hot meals for all those in need that showed up.
St.John's Soup Kitchen WebsiteWear Red Day 2025
In honor of the Go Red for Women® initiative that addresses the awareness and clinical care gaps of women’s greatest health threat, cardiovascular disease, our team partook in National Wear Red Day. Let's close the cardiovascular-disease gap and find ways to get connected to and support women through awareness.
Investment Insight From Our Desk to Yours
We make it a priority to not only help our clients stay up to date with their strategies but also with the market at large. Check here regularly to stay in the know with market news and content from our practice.
Thoughts on the Market Podcast
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.
Listen to the Latest EpisodeOn 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.
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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
What’s the Difference Between Saving and Investing?
While saving and investing are similar, they have important differences. You’ll likely need both to achieve your financial goals.
Learn the Difference
Why Investing in the S&P 500 Isn’t True Diversification
With a handful of mega-cap stocks now dominating the S&P 500, investors should actively work to diversify their portfolios.
Read MoreLocation
777 Township Line Rd
Ste 301
Yardley, PA 19067
US
Direct:
(215) 497-7067(215) 497-7067
4259 West Swamp Rd
Ste 400
Doylestown, PA 18902
US
Direct:
(215) 230-2912(215) 230-2912
Meet The Spectrum 1935 Group
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(215) 497-7067(215) 497-7067
Phone:
(215) 230-2912(215) 230-2912
Phone:
(215) 497-7075(215) 497-7075
Corey Fisher, CRPC®
Financial Advisor, Financial Planning Specialist
Phone:
(215) 497-7077(215) 497-7077
About Jon Burns
Jon and his wife Sue are long time Bucks County, PA residents, residing in Dublin, PA. They are both members of St. Jude’s parish. Their three children are graduates of the Central Bucks School system, each pursuing careers, post-college in their fields of study. Jon is a graduate of Thiel College, in Greenville, Pa having earned a Bachelor of Arts degree with departmental honors in Business Administration and Economics.
This business training background set the foundation for a successful career in sales, marketing and financial services. Jon joined Morgan Stanley in February of 2005 as a Financial Advisor and is currently a First Vice President and Certified Financial Planner®. From the beginning, Jon’s emphasis has been on how best to meet client needs while providing a high level of client service. Attainment of the Certified Financial Planner designation® in 2008 solidified the comprehensive financial planning approach that Jon and his associates follow. Believing that the whole can be greater than the sum of its parts, Jon and Rich Haurin, Financial Advisor, CFP®, joined forces in 2008 to form the Burns Haurin Group at Morgan Stanley. These actions further emphasize the client centric focus of the practice. Comprehensive Financial Planning, Investment Management, Investment Planning, Retirement Income Management, Retirement Planning and Wealth Management are strategies of focus.
Jon is Series 7, 66, and Life, Accident and Health Insurance Licensed.
This business training background set the foundation for a successful career in sales, marketing and financial services. Jon joined Morgan Stanley in February of 2005 as a Financial Advisor and is currently a First Vice President and Certified Financial Planner®. From the beginning, Jon’s emphasis has been on how best to meet client needs while providing a high level of client service. Attainment of the Certified Financial Planner designation® in 2008 solidified the comprehensive financial planning approach that Jon and his associates follow. Believing that the whole can be greater than the sum of its parts, Jon and Rich Haurin, Financial Advisor, CFP®, joined forces in 2008 to form the Burns Haurin Group at Morgan Stanley. These actions further emphasize the client centric focus of the practice. Comprehensive Financial Planning, Investment Management, Investment Planning, Retirement Income Management, Retirement Planning and Wealth Management are strategies of focus.
Jon is Series 7, 66, and Life, Accident and Health Insurance Licensed.
Securities Agent: MA, CT, SC, DE, VT, NJ, MD, AZ, WI, PA, OR, NC, MO, GA, NY, NV, NM, TX, DC, TN, VA, NH, LA, FL, CA, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1472954
NMLS#: 1472954
About Me
Timothy Jayne is a Vice President and Financial Advisor at Morgan Stanley. With over 20 years of experience, Tim holds his team to a high standard when it comes to their client service model and their ability to execute on that model for each client, effectively. For Tim, it’s all about meeting new clients and being a part of their story. It’s through these new partnerships that Tim begins the process of collaboration, so each client remains involved in their success every step of the way. Tim firmly believes financial planning comes first and it establishes the guidelines for him as the architect of the investment strategy. These strategies are centered around anticipated cash flow needs, individual investment objectives and tolerance for risk needs and preferences of each client.
A humanitarian at heart, Tim spent time in the Army as a young adult volunteering for as many philanthropic missions as he could, developing a love of service to others and helping those who might not be able to help themselves. A graduate of Drexel and Columbia University, Tim studied architectural engineering due to his fascination with complex problems and deriving intuitive, efficient solutions. The combination of these passions led him to finance where he would be able to apply his principles of service to others with a commitment to drive real life solutions for those who need it most. At a young age, Tim and his family were profoundly affected by the guidance of an advisor. It’s through this experience that Tim decided to be the change that he wanted to see in the world. He began in the Financial Advisor Training Program at Morgan Stanley Dean Witter in 1998 and later became an Arbitrator with FINRA in hopes that he would be able to help address the quality of advisors who hold such an important role in the lives of so many people.
Outside of work, Tim devotes time to non-profit organizations such as Carry the Load, Wounded Warrior Project, Department of Veterans Affairs, Veterans of Foreign Wars, Susan G Komen Foundation, March of Dimes Foundation, The American Red Cross, and Habitat for Humanity. Happily married, Tim and his family currently reside in Hopewell Township, NJ with their service dog Rosie.
A humanitarian at heart, Tim spent time in the Army as a young adult volunteering for as many philanthropic missions as he could, developing a love of service to others and helping those who might not be able to help themselves. A graduate of Drexel and Columbia University, Tim studied architectural engineering due to his fascination with complex problems and deriving intuitive, efficient solutions. The combination of these passions led him to finance where he would be able to apply his principles of service to others with a commitment to drive real life solutions for those who need it most. At a young age, Tim and his family were profoundly affected by the guidance of an advisor. It’s through this experience that Tim decided to be the change that he wanted to see in the world. He began in the Financial Advisor Training Program at Morgan Stanley Dean Witter in 1998 and later became an Arbitrator with FINRA in hopes that he would be able to help address the quality of advisors who hold such an important role in the lives of so many people.
Outside of work, Tim devotes time to non-profit organizations such as Carry the Load, Wounded Warrior Project, Department of Veterans Affairs, Veterans of Foreign Wars, Susan G Komen Foundation, March of Dimes Foundation, The American Red Cross, and Habitat for Humanity. Happily married, Tim and his family currently reside in Hopewell Township, NJ with their service dog Rosie.
Securities Agent: NH, CA, TN, NM, KS, WI, WA, TX, ME, NV, NJ, MO, IN, IL, LA, AZ, VT, OH, DE, DC, VA, RI, OR, IA, FL, MA, CT, PA, NY, MD, GA, SC, CO, NC, HI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1611413
NMLS#: 1611413
About Richard Haurin
Rich has worked at Morgan Stanley since 2005 and is a Financial Advisor and CERTIFIED FINANCIAL PLANNER™ (CFP) certificant, awarded by the Certified Financial Planner™ Board of Standards, Inc. He also holds a Bachelor of Science degree in Marketing from Temple University. Rich firmly believes that having established plans and goals are essential to long-term financial success. His approach includes defining client-focused financial goals with open and direct communication. He enjoys working with his clients and has a strong client service skill set developed from many years in retail food business management.
Rich grew up in Bucks County and is the oldest of seven children. Growing up with five brothers and a sister taught him to be very competitive and family-oriented. He currently lives in Montgomery County with his wife Michele and his two daughters, and is a parishioner at St. Jude Roman Catholic Church. Rich has spent many years volunteering as a youth soccer coach for PA Rush. He is an avid runner (has not missed a day running in six years and counting) and current member of the Ambler area running club. He also enjoys golf, skiing and, of course, watching all competitive Philadelphia sports.
Rich grew up in Bucks County and is the oldest of seven children. Growing up with five brothers and a sister taught him to be very competitive and family-oriented. He currently lives in Montgomery County with his wife Michele and his two daughters, and is a parishioner at St. Jude Roman Catholic Church. Rich has spent many years volunteering as a youth soccer coach for PA Rush. He is an avid runner (has not missed a day running in six years and counting) and current member of the Ambler area running club. He also enjoys golf, skiing and, of course, watching all competitive Philadelphia sports.
Securities Agent: NC, CT, DE, DC, NY, NV, NJ, NH, TN, OH, CO, LA, WI, TX, FL, CA, MA, PA, OR, NM, MO, WA, VT, VA, SC, MD, GA, AZ, AK, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1949114
NMLS#: 1949114
About Me
Michael has been working in the financial services industry since 1997. He has developed his skills in wealth management through experiences at Vanguard, Goldman Sachs, Wachovia Securities, UBS Financial Services and Merrill Lynch Wealth Management prior to beginning his role at Morgan Stanley.
Michael focuses on delivering a comprehensive approach to managing wealth that begins with listening to a client's needs and helps to ensure every strategy is grounded in understanding what each client wants to achieve.
He and his wife Katie as well as their two sons, Danny and Jack, live in Huntingdon Valley, Pennsylvania and together they can often be found spending summer weekends enjoying the beach in Sea Isle City, New Jersey.
Michael focuses on delivering a comprehensive approach to managing wealth that begins with listening to a client's needs and helps to ensure every strategy is grounded in understanding what each client wants to achieve.
He and his wife Katie as well as their two sons, Danny and Jack, live in Huntingdon Valley, Pennsylvania and together they can often be found spending summer weekends enjoying the beach in Sea Isle City, New Jersey.
Securities Agent: CT, RI, IL, GA, TN, IN, FL, CA, OH, WI, VT, NV, NC, MA, KS, CO, WA, IA, PA, NM, ME, DC, AZ, VA, HI, SC, NY, NH, OR, NJ, MO, MD, TX, LA, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1620824
NMLS#: 1620824
About Corey Fisher
After graduating from Messiah University with a degree in marketing, Corey found his passion for the financial services industry while in the marketing department of a private benefits firm in Marlton, New Jersey. Desiring to continue his education and growth into financial advising, Prior to joining Morgan Stanley, Corey began his role at Merrill Lynch Wealth Management in 2017.
Corey follows a disciplined process that begins with first taking the time to fully understand each client’s particular needs, concerns, and priorities. Passionate about delivering excellent service, he provides access to the investment insights of Morgan Stanley to help address the various aspects of clients’ financial lives.
He and his wife, Jennifer, as well as their daughter, Eliana, live in Voorhees, NJ, and spend their time together as a family while enjoying all the adventures life has to give. In all areas of his life, Corey follows the deep-seated Morgan Stanley tradition of participating in the communities he serves. When he is not in the office, he volunteers in leading the youth music program for high school at Fellowship Alliance Chapel.
Corey follows a disciplined process that begins with first taking the time to fully understand each client’s particular needs, concerns, and priorities. Passionate about delivering excellent service, he provides access to the investment insights of Morgan Stanley to help address the various aspects of clients’ financial lives.
He and his wife, Jennifer, as well as their daughter, Eliana, live in Voorhees, NJ, and spend their time together as a family while enjoying all the adventures life has to give. In all areas of his life, Corey follows the deep-seated Morgan Stanley tradition of participating in the communities he serves. When he is not in the office, he volunteers in leading the youth music program for high school at Fellowship Alliance Chapel.
Securities Agent: DC, MO, MD, IA, OH, WA, KS, HI, VT, NC, ME, MA, CO, CA, SC, OR, RI, PA, NV, LA, GA, CT, NJ, IL, VA, FL, NM, NH, AZ, WI, NY, DE, TX, TN, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1672591
NMLS#: 1672591
Contact Jon Burns
Contact Timothy Jayne
Contact Richard Haurin
Contact Michael Brooks
Contact Corey Fisher
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
Lorry Rosado
Private Banker
About Lorry Rosado
Lorry Rosado is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey and Pennsylvania.
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.
Lorry began her career in financial services in 1984, and joined Morgan Stanley in 2017. Prior to joining the firm, she served as a Banking Advisor at Merrill Lynch, and a Senior Premier Client Manager at Bank of America.
She currently resides in East Brunswick, NJ with her family.
Outside of the office, Lorry volunteers as a Coach for the Fast Break Basketball Buddy Ball program, focused on providing an opportunity for disabled children and young adults to enjoy the game of basketball. In her free time, she enjoys spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Lorry began her career in financial services in 1984, and joined Morgan Stanley in 2017. Prior to joining the firm, she served as a Banking Advisor at Merrill Lynch, and a Senior Premier Client Manager at Bank of America.
She currently resides in East Brunswick, NJ with her family.
Outside of the office, Lorry volunteers as a Coach for the Fast Break Basketball Buddy Ball program, focused on providing an opportunity for disabled children and young adults to enjoy the game of basketball. In her free time, she enjoys spending time with her family.
NMLS#: 644450
Wealth Management
From Our Team
Are You Prepared for Tax Day?
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Ready to start a conversation? Contact The Spectrum 1935 Group today.
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9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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Awards Disclosures
1Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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:
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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.
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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)
