James F. Meyers, CRPC®
Managing Director, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(724) 933-1475(724) 933-1475
The Steel City Group at Morgan Stanley
Direct:
(724) 933-1460(724) 933-1460
Our Mission Statement
World-class wealth management solutions with a personal touch.
Our Story and Services
With over eight decades of combined experience, The Steel City Group at Morgan Stanley is a team of professionals who are dedicated to helping highly-successful individuals, families and businesses achieve their most ambitious financial objectives. Using a combination of time-tested disciplines, cutting-edge technology and white-glove service, we help our clients to build and preserve wealth, to realize short- and long-term goals and to create a meaningful legacy.
• Jim Meyers - 2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors
• Forbes Best-In-State Wealth Management Team for 2023, 2024 and 2025
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. (https://www.morganstanley.com/disclosures/awards-disclosure/)
Source: Forbes.com (Awarded Jan 2023, 2024 and 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22, 3/31/22 – 3/31/23 and 3/31/23–3/31/24. (https://www.morganstanley.com/disclosures/awards-disclosure/)
• Jim Meyers - 2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors
• Forbes Best-In-State Wealth Management Team for 2023, 2024 and 2025
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. (https://www.morganstanley.com/disclosures/awards-disclosure/)
Source: Forbes.com (Awarded Jan 2023, 2024 and 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22, 3/31/22 – 3/31/23 and 3/31/23–3/31/24. (https://www.morganstanley.com/disclosures/awards-disclosure/)
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Financial PlanningFootnote2
- Executive Financial ServicesFootnote3
- Estate Planning StrategiesFootnote4
- Trust AccountsFootnote5
- Corporate BondsFootnote6
- Municipal BondsFootnote7
- AnnuitiesFootnote8
- Cash Management and Lending ProductsFootnote9
- Alternative InvestmentsFootnote10
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- Planning for Education FundingFootnote13
- UGMA/UTMAFootnote14
- Qualified Retirement PlansFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Planning Process
Step 1: Introductory Meeting
Your first meeting with The Steel City Group will consist of an in-depth conversation about what is important to you and your family. What are your passions? What are your values? What do you envision your life looking like in five years, ten years and beyond?
Step 2: Discovery Meeting
Next comes a thorough review of your current financial profile, which typically consists of:
• Assets (401k, IRA, brokerage, savings, etc.)
• Liabilities (mortgage(s), student loans, auto loans, etc.)
• Insurance (whole life, term, long-term care, etc.)
• Tax- and estate-related items
A deep understanding of these items is critical as they will serve as the foundation of your holistic financial plan.
• Assets (401k, IRA, brokerage, savings, etc.)
• Liabilities (mortgage(s), student loans, auto loans, etc.)
• Insurance (whole life, term, long-term care, etc.)
• Tax- and estate-related items
A deep understanding of these items is critical as they will serve as the foundation of your holistic financial plan.
Step 3: Present Your Plan
The first draft of your financial plan will serve as a “blank canvas” of sorts. With your investment time-horizon and tolerance for risk in mind, we will examine various scenarios that take a number of variables into consideration, including saving/spending rates, Social Security income, investment allocation and hypothetical investment returns. It is at this stage that we will work with you to formulate and implement a custom-tailored strategy that best aligns with your unique circumstances.
Step 4: Monitoring Performance
A financial plan is only useful if it is regularly revisited in conjunction with your investment, estate and tax strategies. This is accomplished through regular communication and discussion with knowledgeable professionals explicitly licensed in these specialty areas. Throughout all possible market conditions, our primary objective is to ensure that we continue to remain on-track towards achieving your goals.
Are You Prepared?
There are few greater feelings as wealth management professionals than watching you not only achieve the retirement of your dreams but also maintain your desired lifestyle and purpose through your entire retirement. Many people assume that their preparation for retirement ends once they reach retirement. Our goal is to help you continue and improve your lifestyle, even after retiring. Below are important topics, questions and concerns that you should be aware of when planning for your golden years. Don't hesitate to reach out to our team with any questions!
Wealth and Estate Planning Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Click Here to Learn More
5 Mistakes to Avoid During Retirement
You’ve spent a lifetime planning for your retirement goals, contributing to your 401(k) and perhaps investing additional assets in an individual retirement account (IRA) and other accounts. Now, you’re finally on the verge of retiring. However, you may be surprised to find that retirement planning doesn’t stop once you retire.
Key Considerations
Social Security Benefits
If you’ve built a healthy nest egg for your retirement, you may not be relying on Social Security benefits to cover expenses when you stop working. Still, there are important considerations to keep in mind around when and how to claim Social Security that can help you make the most of your benefits for retirement and other financial goals.
It Can Pay to Wait
Insurance Planning
Buying insurance can feel a little like paying your taxes. You probably know it’s not optional, but it’s painful to actually cut the checks for it. Most people know that without insurance, their dependents would face potentially deep financial hardship if they were unable to work (or worse) due to some unfortunate event.
Insurance & Retirement
Individual 401(k) Plan
It’s important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.
Optimize Your 401(k) Plan
Millennial and Gen Z Guide to Retirement
Our polling shows that many young adults are, in fact, worried about having enough savings for their future. For example, nearly one in four Millennials, born between 1981 and 1996, is concerned about having adequate funds, while 69% are uneasy about making that money last a lifetime.
However, having time on your side is a tremendous advantage. Starting a retirement plan early may be the single easiest way to retire with an impressive nest egg.
Tips for Young InvestorsHowever, having time on your side is a tremendous advantage. Starting a retirement plan early may be the single easiest way to retire with an impressive nest egg.
Location
2100 Georgetown Dr
Ste 500
Sewickley, PA 15143
US
Direct:
(724) 933-1460(724) 933-1460
1603 Carmody Court
Suite 100
Sewickley, PA 15143
US
Direct:
(724) 933-1475(724) 933-1475
Meet The Steel City Group
Curt L. Coulter
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(724) 933-1569(724) 933-1569
Samuel C. Applegate
Financial Advisor
Phone:
(724) 933-1481(724) 933-1481
Eric Nan
Vice President, Consulting Group Analyst
Phone:
(724) 933-1498(724) 933-1498
Stacey Elias
Senior Client Service Associate
Phone:
(724) 933-1473(724) 933-1473
Chelsea Harless
Registered Client Service Associate
Phone:
(724) 933-1572(724) 933-1572
About James F. Meyers
Jim is a Managing Director, Alternative Investments Director and a Financial Advisor. He is a Chartered Retirement Planning Counselor (CRPC®) with 30 years of wealth management experience and has been with Morgan Stanley since 2009.
Jim’s philosophy is centered on a goals-based approach that uses financial planning to create an asset allocation that helps clients achieve their financial and life goals. With the support of a global firm, Jim is proud of his team’s ability to provide boutique attention to all of their clients throughout various market cycles and life events. In recognition for his consistent excellence, Jim has been honored with the Forbes Best-in-State Wealth Advisor award for 2018, 2019, 2020, 2021, 2022, 2023 & 2024.
Jim enjoys spending time with his wife, Colleen and their four children: Jessica, Jimmy, Jake and Paige. Jim is a Director on the board of Central Catholic High School and a member of the Oakmont Finance Committee and The Stan Marks Charity. He is a member of The Duquesne Club and Oakmont Country Club. He enjoys golf, paddle tennis, skiing and mountain biking.
2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Awards Disclosures
Jim’s philosophy is centered on a goals-based approach that uses financial planning to create an asset allocation that helps clients achieve their financial and life goals. With the support of a global firm, Jim is proud of his team’s ability to provide boutique attention to all of their clients throughout various market cycles and life events. In recognition for his consistent excellence, Jim has been honored with the Forbes Best-in-State Wealth Advisor award for 2018, 2019, 2020, 2021, 2022, 2023 & 2024.
Jim enjoys spending time with his wife, Colleen and their four children: Jessica, Jimmy, Jake and Paige. Jim is a Director on the board of Central Catholic High School and a member of the Oakmont Finance Committee and The Stan Marks Charity. He is a member of The Duquesne Club and Oakmont Country Club. He enjoys golf, paddle tennis, skiing and mountain biking.
2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Awards Disclosures
Securities Agent: OH, MD, VA, NJ, IL, ID, AL, WI, PA, NV, NM, NC, KS, GA, CT, TN, DE, TX, CA, WV, SC, FL, MA, CO, AZ, WA, NY, LA, MO, MI, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1809610
CA Insurance License #: 0D07845
NMLS#: 1809610
CA Insurance License #: 0D07845
About Curt L. Coulter
I have been in the securities business since 1994. My professional focus is developing investor portfolios, centered on the growth and income potential of equities, but with an emphasis on risk management. Often these portfolios are targeted to fund education planning and retirement planning.
I am a graduate of the McIntire School of Commerce at the University of Virginia. A native of Pittsburgh, I live with my wife, Catherine, in Oakmont and have two grown sons, Knox and Watts. My personal interests include golf and a golf course architecture, bourbon, wine, travel and fitness.
NMLS #2598512
I am a graduate of the McIntire School of Commerce at the University of Virginia. A native of Pittsburgh, I live with my wife, Catherine, in Oakmont and have two grown sons, Knox and Watts. My personal interests include golf and a golf course architecture, bourbon, wine, travel and fitness.
NMLS #2598512
Securities Agent: DE, FL, OR, NH, MO, MA, KY, KS, GA, SC, NJ, IN, CO, WI, NV, CA, AZ, AL, VA, UT, TN, NM, IL, OK, LA, WV, WA, MI, CT, PA, OH, NY, ME, DC, TX, NC, MS, MN, MD, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 2598512
NMLS#: 2598512
About Samuel C. Applegate
Sam Applegate is a Financial Advisor who has been with Morgan Stanley since 2008 and has worked in the financial services industry for over 20 years in total.
As a third generation Advisor with family roots in the industry, Sam deploys careful and individualized planning solutions. Sam strives to consistently communicate with his clients in a straight-forward manner to demystify important financial concepts. As clients enter new life stages and their needs change, Sam offers customized solutions that evolve in conjunction with their lives and the world around us. With a large team of highly skilled professionals, Sam and his group offer a first-class standard of service to all of their clients.
Sam is a graduate of the University of Maine, earning his degree in Environmental Science. Sam enjoys spending time with his wife, Sarah and their son, Oscar. He enjoys hunting, fishing, hiking and playing the guitar. Sam volunteers with the Nooksack Salmon Enhancement Society and with his local Boys and Girls Club chapter. He is a member of the Iron City Fishing Club and the Belington Yacht Club.
As a third generation Advisor with family roots in the industry, Sam deploys careful and individualized planning solutions. Sam strives to consistently communicate with his clients in a straight-forward manner to demystify important financial concepts. As clients enter new life stages and their needs change, Sam offers customized solutions that evolve in conjunction with their lives and the world around us. With a large team of highly skilled professionals, Sam and his group offer a first-class standard of service to all of their clients.
Sam is a graduate of the University of Maine, earning his degree in Environmental Science. Sam enjoys spending time with his wife, Sarah and their son, Oscar. He enjoys hunting, fishing, hiking and playing the guitar. Sam volunteers with the Nooksack Salmon Enhancement Society and with his local Boys and Girls Club chapter. He is a member of the Iron City Fishing Club and the Belington Yacht Club.
Securities Agent: WA, CO, OH, MN, TN, SC, OK, GA, DE, MS, MO, VA, ME, AZ, WI, MA, KS, ID, WV, TX, NM, NJ, MI, KY, IL, CT, AL, OR, NV, DC, PA, NH, NC, MD, LA, CA, NY, IN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1398731
CA Insurance License #: 0K18949
NMLS#: 1398731
CA Insurance License #: 0K18949
About Eric Nan
As a Consulting Group Analyst, Eric is responsible for both the day-to-day research associated with and the monitoring of the investment programs we implement on behalf of our clients. Eric’s deep understanding of the complexities and intricacies associated with the capital markets has been developed over the course of his nearly 25 years in the financial services industry.
Eric is a graduate of Slippery Rock University with a degree in Sport/Business Management. He lives in Hopewell Township with his wife and two boys. In his spare time, Eric enjoys camping with his family.
Eric is a graduate of Slippery Rock University with a degree in Sport/Business Management. He lives in Hopewell Township with his wife and two boys. In his spare time, Eric enjoys camping with his family.
About Stacey Elias
As a Senior Client Service Associate, Stacey is responsible for ensuring seamless day-to-day administrative operations as well as white-glove service for our clients. Stacey has been in the financial services industry since 1996 and leverages her capabilities to provide a client experience that is nothing short of exceptional.
Stacey studied at Youngstown State University and currently resides in the Pittsburgh area with her grandfather, for whom she provides care. In her spare time, she enjoys cooking for and spending time with her family and friends.
Stacey studied at Youngstown State University and currently resides in the Pittsburgh area with her grandfather, for whom she provides care. In her spare time, she enjoys cooking for and spending time with her family and friends.
About Chelsea Harless
Chelsea is originally from the Charleston, WV area which is where she started at Morgan Stanley in 2020. She started as a service associate then transitioned to a client service associate the following year. Chelsea worked as a registered client service associate there until transferring to the Wexford branch.
Chelsea is both Series 7 and Series 66 licensed and has a Bachelors of Business Administration (BBA) in Finance from Marshall University. Chelsea enjoys photography and spending time outdoors in her free time.
Chelsea is both Series 7 and Series 66 licensed and has a Bachelors of Business Administration (BBA) in Finance from Marshall University. Chelsea enjoys photography and spending time outdoors in her free time.
Contact James F. Meyers
Contact Curt L. Coulter
Contact Samuel C. Applegate
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
Tyson Abert
Senior Private Banker
Thomas O'Brien
Planning Associate
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
About Thomas O'Brien
Thomas O’Brien is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Thomas provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Thomas is originally from Lynbrook, NY and currently resides in Lynbrook, NY.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Thomas is originally from Lynbrook, NY and currently resides in Lynbrook, NY.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Steel City Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Alternative 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
14Morgan 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.
15When 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.
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
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Alternative 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
14Morgan 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.
15When 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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
