Michael Spiering
Senior Vice President, Wealth Advisor, Financial Planning Specialist
Phone:
(925) 930-3875(925) 930-3875
The Spiering Group at Morgan Stanley
Direct:
(925) 930-3875(925) 930-3875
Toll-Free:
(800) 949-5199(800) 949-5199
Our Mission Statement
Our multigenerational team is dedicated to managing your wealth by helping achieve your unique financial goals with tailored investment strategies.
Our Story and Services
We at The Spiering Group are an extended ‘work family’ with over 50 years of combined industry experience. With a commitment to continue our strong legacy by working with our clients, their multi-generational families, businesses and friends, our team not only believes in objective financial wellness, but overall wellness.
We invest for the future. Using our understanding of complex economic, equity, fixed income and lending strategies, we help our clients achieve their goals by providing customized financial decisions for the long-term. We are proud to work with our clients on retirement, succession planning, intergenerational transfers, and trust planning, with a primary focus on building personal relationships, while providing an exceptional service experience. We call it the ‘Wow’ effect!
In today’s world of investing, our knowledgeable team diligently guide clients through market noise, simplifying the complex into meaningful, impactful, tailored concepts. By entrusting our team today, we’ll seek the opportunities of tomorrow. You’ll never know the value of a moment, until it becomes a memory!
We invest for the future. Using our understanding of complex economic, equity, fixed income and lending strategies, we help our clients achieve their goals by providing customized financial decisions for the long-term. We are proud to work with our clients on retirement, succession planning, intergenerational transfers, and trust planning, with a primary focus on building personal relationships, while providing an exceptional service experience. We call it the ‘Wow’ effect!
In today’s world of investing, our knowledgeable team diligently guide clients through market noise, simplifying the complex into meaningful, impactful, tailored concepts. By entrusting our team today, we’ll seek the opportunities of tomorrow. You’ll never know the value of a moment, until it becomes a memory!
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
'Zooming' Along
Although an unusual past couple of years, our Team has continued to deepen our client connections and maintain our valued client relationships by meeting via 'Zoom'.
Community Involvement
People make up our clients, our team, workplace, and the world around us which is why our Team is dedicated to local opportunities for community involvement. See how we like to give back!
• Team Shriners, San Francisco, CA
• VistAbility, Concord, CA
• Bay Area Rescue Mission, Richmond, CA
• Kids Against Hunger, Concord, CA
• Team Shriners, San Francisco, CA
• VistAbility, Concord, CA
• Bay Area Rescue Mission, Richmond, CA
• Kids Against Hunger, Concord, CA
Working With You
Client Centric Approach
Our team's goal is to empower families to achieve and maintain financial independence, and create a legacy that will transfer to future generations. We have found the success of our business is due to the personalized service and friendship we extend to our clients. Our clients enjoy frequent conversations, portfolio discussions, market updates, as well as personal and family topics. Engaging clients on a regular basis has earned our trusting relationship.
We are proud to work with multi-generational families on succession planning, inter-generational transfers, and trust planning. Our focus is on building relationships with successful millennials and educating them on how to help achieve their financial future.
Our approach goes beyond investment advice – we provide a wide array of services to help pursue your specific goals. We offer goals-based planning, cash flow and liabilities solutions, and estate and wealth transfer planning.
Once we have thoroughly understood your financial picture, we develop your individualized plan together.
We are proud to work with multi-generational families on succession planning, inter-generational transfers, and trust planning. Our focus is on building relationships with successful millennials and educating them on how to help achieve their financial future.
Our approach goes beyond investment advice – we provide a wide array of services to help pursue your specific goals. We offer goals-based planning, cash flow and liabilities solutions, and estate and wealth transfer planning.
Once we have thoroughly understood your financial picture, we develop your individualized plan together.
Client Service Checklist
• Maintain Cash Flow
• Managing Risk
• Ongoing Monitoring
• Retirement Planning
• Business Strategies
• Generational Planning
• Charitable Giving
• Health Needs
• Investing
• Home Ownership
• Saving for College
• Travel Goals
• Managing Risk
• Ongoing Monitoring
• Retirement Planning
• Business Strategies
• Generational Planning
• Charitable Giving
• Health Needs
• Investing
• Home Ownership
• Saving for College
• Travel Goals
Seminars
Michael conducts an average of 9 seminars a year, with the assistance of Maddy and Nicole, throughout the East Bay. Over the entirety of his career, Michael has given over 100 seminars in the greater San Francisco Bay Area. The seminars focus on topics related to Retirement Income Planning and Market Outlook. The presentation touches on envisioning your next chapter, understanding the risks that stand between you and your vision of retirement, and developing a retirement strategy. Michael breaks down the basics of Long-Term Care and Social Security.
If you are interested attending a future seminar or simply learn more, please feel free to contact any member of our team. We believe that two heads are better than one, so we encourage you bring a guest. Seminars are RSVP and first come, first serve.
If you are interested attending a future seminar or simply learn more, please feel free to contact any member of our team. We believe that two heads are better than one, so we encourage you bring a guest. Seminars are RSVP and first come, first serve.
Contact Us
Michael Spiering, Senior Vice President, Financial Advisor
Phone: (925) 930-3875
Email: michael.spiering@morganstanley.com
Maddy Spiering, Associate Vice President, Financial Advisor
Phone: (925) 930-3847
Email: maddy.spiering@morganstanley.com
Nicole Tom, Wealth Management Associate
Phone: (925) 930-3876
Email: nicole.tom@morganstanley.com
Phone: (925) 930-3875
Email: michael.spiering@morganstanley.com
Maddy Spiering, Associate Vice President, Financial Advisor
Phone: (925) 930-3847
Email: maddy.spiering@morganstanley.com
Nicole Tom, Wealth Management Associate
Phone: (925) 930-3876
Email: nicole.tom@morganstanley.com
2019 Seminars
• 4/23/19 in Danville, CA: Market Outlook
• 4/25/19 in Danville, CA: Retirement Income Planning
• 5/21/19 in Alamo, CA: Market Outlook
• 6/25/19 in Danville, CA: Retirement Income Planning
• 7/30/19 in Danville, CA: Estate Planning
• 8/20/19 in Danville, CA: Retirement Income Planning
• 9/12/19 in Danville, CA: Market Outlook
• 10/8/19 in Danville, CA: Retirement Income Planning
• 11/7/19 in Danville, CA: Estate Planning
• 4/25/19 in Danville, CA: Retirement Income Planning
• 5/21/19 in Alamo, CA: Market Outlook
• 6/25/19 in Danville, CA: Retirement Income Planning
• 7/30/19 in Danville, CA: Estate Planning
• 8/20/19 in Danville, CA: Retirement Income Planning
• 9/12/19 in Danville, CA: Market Outlook
• 10/8/19 in Danville, CA: Retirement Income Planning
• 11/7/19 in Danville, CA: Estate Planning
2020 Seminars*
• 2/20/20 in Danville, CA: Retirement Income Planning
• 3/12/20 in Danville, CA: Retirement Income Planning
• 4/23/20 in Danville, CA: Retirement Income Planning
*Due to Covid-19, the remaining seminars for 2020 were postponed.
• 3/12/20 in Danville, CA: Retirement Income Planning
• 4/23/20 in Danville, CA: Retirement Income Planning
*Due to Covid-19, the remaining seminars for 2020 were postponed.
2022 Seminars
• 8/25/22 in Walnut Creek, CA: Reasons to Be Bullish and Market Outlook
2023 Seminars
• 3/23/23 in Walnut Creek, CA: Retirement Income Planning and Market Outlook
Location
1333 N California Blvd
Suite 133
Walnut Creek, CA 94596
US
Direct:
(925) 930-3875(925) 930-3875
Toll-Free:
(800) 949-5199(800) 949-5199
Meet The Spiering Group
About Michael Spiering
Michael is a Senior Vice President, Financial Advisor for Morgan Stanley located in Walnut Creek, CA, and brings over 25 years of business knowledge and experience to his clients. He takes a disciplined approach focused on asset management, financial planning for individuals and multi-generational families. He understands his clients’ unique vision, goals and aligns advice in a custom-tailored manner.
Michael not only builds wealth, but also helps protect it and assists his clients achieve their financial goals. With confidence, clients can then focus on their passion.
Michael received his MBA from Cardinal Stritch University, Milwaukee, WI with an emphasis in finance and his BA in Economics from the University of Wisconsin-Oshkosh.
Michael and his wife, Carol, live in Lafayette, CA, and have been married since 1996. They have 3 children: Madison, Spencer and Jack.
Michael not only builds wealth, but also helps protect it and assists his clients achieve their financial goals. With confidence, clients can then focus on their passion.
Michael received his MBA from Cardinal Stritch University, Milwaukee, WI with an emphasis in finance and his BA in Economics from the University of Wisconsin-Oshkosh.
Michael and his wife, Carol, live in Lafayette, CA, and have been married since 1996. They have 3 children: Madison, Spencer and Jack.
Securities Agent: NC, CO, CA, TN, OR, HI, AK, SC, FL, CT, RI, MI, PA, MD, MA, TX, NV, NJ, WA, MN, ID, AZ, VA, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1270074
NMLS#: 1270074
About Maddy Spiering
Maddy joined Morgan Stanley in 2019, following the footsteps of both her parents and grandfather in the financial industry. As a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, she helps clients in managing areas within their finances, such as insurance, investing, education planning, and retirement planning.
Maddy graduated from Santa Clara University Leavey School of Business with a dual major in Marketing and with a B.S. degree in Economics. She holds a Series 7- General Securities License and Series 66 – Registered Investment Advisor & State Registrations License. Additional licenses include: California Insurance & Life; and Health & Variable Annuity Insurance.
Born and raised in the Bay Area, Maddy now resides in San Francisco. When she is not working Maddy is an avid runner, likes to travel and enjoys cooking.
Maddy graduated from Santa Clara University Leavey School of Business with a dual major in Marketing and with a B.S. degree in Economics. She holds a Series 7- General Securities License and Series 66 – Registered Investment Advisor & State Registrations License. Additional licenses include: California Insurance & Life; and Health & Variable Annuity Insurance.
Born and raised in the Bay Area, Maddy now resides in San Francisco. When she is not working Maddy is an avid runner, likes to travel and enjoys cooking.
Securities Agent: FL, VA, MI, OR, NJ, AK, TX, TN, SC, NV, WA, NY, CT, RI, MN, CA, MD, ID, HI, AZ, MA, CO, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 2001795
CA Insurance License #: 4049537
NMLS#: 2001795
CA Insurance License #: 4049537
About Nicole Tom
Nicole is a Wealth Management Associate located in our Walnut Creek, CA office. She joined Morgan Stanley and The Spiering Group in 2015 with over a decade of experience in the Financial Services industry. Nicole collaborates with her advisor team combining her client-management skills, as well as market and product knowledge, to cultivate client relationships. With her experiences as a previous Client Service Associate Coach for the East Bay Market, attention to detail, organization, professionalism, and unwavering work ethic, Nicole is a highly valued team member.
Nicole graduated from University of California, Irvine with a B.A. in Social Sciences and a minor in Psychology. She holds a Series 7- General Securities License and a Series 66- Uniform Combined State Law License.
Born and raised in Southern California, Nicole now resides in Danville with her loving husband and their two beautiful daughters. When she isn't working, Nicole can be found hanging out with her girls at one of their many extra-curricular activities or sweating it out in a Bikram yoga class.
Nicole graduated from University of California, Irvine with a B.A. in Social Sciences and a minor in Psychology. She holds a Series 7- General Securities License and a Series 66- Uniform Combined State Law License.
Born and raised in Southern California, Nicole now resides in Danville with her loving husband and their two beautiful daughters. When she isn't working, Nicole can be found hanging out with her girls at one of their many extra-curricular activities or sweating it out in a Bikram yoga class.
Contact Michael Spiering
Contact Maddy Spiering
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
Cindy W. Lee
Private Banker
About Cindy W. Lee
Cindy Lee is a Private Banker serving Morgan Stanley Wealth Management offices in the East Bay, California Market.
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.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
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.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
NMLS#: 637460
Wealth Management
Global Investment Office
Portfolio Insights
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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
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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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
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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 Spiering 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
