Derek A. Steinbrenner
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist, Qualified Plan Financial Consultant
Phone:
(401) 845-3524(401) 845-3524
The Steinbrenner Group at Morgan Stanley
Direct:
(401) 845-3524(401) 845-3524
Toll-Free:
(800) 556-7008(800) 556-7008
Our Mission Statement
Helping families manage and grow wealth, ensure financial well-being, and achieve long-term goals.
About Us
The Steinbrenner Group at Morgan Stanley is a multi-generational family team of wealth management professionals deeply committed to helping our clients, their families, and their businesses achieve their financial goals.
Morgan Stanley's broad capabilities enable us to help serve our clients' financial needs across the spectrum, from investment management to insurance and risk management to lending services.
We believe in a data-driven, long-term approach to investment management that helps insulate our clients from the media chatter, pick-of-the-day hype, and emotional bias that can lead to investor anxiety—and common mistakes.
We take a whole-person approach to each client relationship, and we consider ourselves not only financial advisors, but also coaches, assisting clients with any of their financial decisions and challenges.
In 2023 & 2024, The Steinbrenner Group was named one of Forbes' Best-In-State Wealth Management Teams*—among 16 teams in Rhode Island in 2023 and 22 teams in 2024. We are honored to have been recognized alongside this prestigious group.
*Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23. Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Our Process
- We begin by developing a comprehensive understanding of your financial world: your needs, goals, wishes, priorities, preferences, and concerns. We help you determine where you are financially and—more importantly—where you want to go.
- We work with you to build and implement a financial and investment plan specifically appropriate to you—tailored to your unique financial circumstances, time horizons, and risk comfort level. Our hope is that each client is confident in the strategy we’ve created together.
- Our disciplined processes for portfolio management and client service help ensure high levels of attention and care for our clients and their investment portfolios. These include active monitoring of investment performance and client portfolios against strategies, responsiveness and accessibility to clients, regular client portfolio reviews and financial plan updates, and sophisticated income and tax management strategies.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- Divorce Financial AnalysisFootnote5
- Estate Planning StrategiesFootnote6
- Planning for Education FundingFootnote7
- Trust AccountsFootnote8
- Endowments and FoundationsFootnote9
- Corporate Retirement PlansFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Navigating Major Life Events
Most major life events have financial implications. We are here to help you through them and make the right financial decisions for you and your family.
Marriage
Few events are more exciting than when you decide to align your life with the person you love. We help you plan for these milestones and guide these conversations.
Divorce
Divorcing a spouse can be a difficult ordeal, with repercussions that affect your emotional and financial well-being. We can help you can prepare for these difficult situations and help you to feel more in control and better equipped to make informed decisions about your financial future.
Widowhood
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention. That is why we help you plan ahead to ensure that your wishes and your will are followed.
Retirement
Saving for retirement is a lifelong process that relies on defined financial planning strategies. We help guide you through this process each step of the way toward achieving their retirement goals.
Elder Care
Aging can be challenging whether you are looking to develop a plan for yourself, or trying to figure out the best way to support your loved ones. Elder care may be a complicated, emotional process that is why we help keep you develop a clear plan that prioritizes the desires and preferences of the aging individual.
Business
From executive-level employment situations to other business ventures—from startups to established enterprises we can help you navigate the complexities of business ownership and investment and associated activities such as selling, divesting or planning for succession.
Birth
Welcoming a child into the family is a joyous occasion for everyone from parents and grandparents to aunts, uncles, siblings, cousins and other extended family members. Therefore, we help you and other family members plan and prepare for the financial components that a new child may introduce into your lives
Education
Education is a major investment and expense that often requires years of careful, advanced planning. help you approach a variety of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for each unique situations.
COMPREHENSIVE FINANCIAL PLANNING
Regardless of your stage in life—just starting out, advancing in your career, raising a family, enjoying retirement, planning a legacy, or something in between—as your Financial Advisors, we can help you achieve your financial aspirations.
Using a suite of tools and practices, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs, helping you progress toward your goals
We can create your personal roadmap to help you grow and protect your wealth – a framework that connects your life goals with your financial resources and provides a touchstone for our work together.
Using a suite of tools and practices, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs, helping you progress toward your goals
We can create your personal roadmap to help you grow and protect your wealth – a framework that connects your life goals with your financial resources and provides a touchstone for our work together.
Retirement & Financial Goal Analysis
Throughout your life, we help you articulate and plan for your financial goals, near and far—from retirement and legacy-planning to education and homeownership. We use advanced planning tools to analyze investment and savings strategies, translate the results into options and recommendations tailored to you, and regularly monitor and review progress with you to help keep you on-track.
Estate & Legacy Planning Strategies
It’s important to plan for what will happen with your wealth when you’re gone or need help. Wills, revocable and irrevocable trusts, Medicaid planning, powers of attorney, transfer-on-death—we help you understand the landscape, consider your options, and coordinate with your estate attorney to help ensure that your wishes are heard, understood, and met.
Cash Flow Analysis & Income Planning
We assist with analyzing and projecting income and expenses, understanding your cash flows, budgeting, building reserves, and establishing savings plans. We provide insights and analysis into Social Security, pensions, annuities, investments, and other current and future income sources to help plan the optimal mix and timing of income to keep you on-track for your goals.
Divorce Planning
Separating from a spouse is tough emotionally and financially. We help guide you through this difficult time, coordinating with your attorney to navigate complex financial decisions and help avoid the many pitfalls that can arise. Coming out of your divorce, we also help you establish your independent financial footings, reimagine your goals, and rebuild your financial wellbeing as you transition into the next chapter of your life.
Investment Management
As fiduciaries, we steward your investment portfolio in your best interest—consistent with your needs, goals, preferences, risk tolerance, and tax circumstances. We manage your investments in accordance with a holistic investment strategy tailored to you, and we review your portfolio with you on a regular basis.
Insurance Analysis
We review your financial risk profile, assess the factors that drive insurance needs, and identify potential areas of exposure to help you determine the right mix and amounts of insurance coverage for you. We also assess your existing coverages to identify areas that may warrant changes.
Tax Optimization
Tax-smart investing and withdrawal strategies can help you mitigate exposure to current taxes in your portfolio and keep more of what you’ve earned. From income and capital gains taxes to estate taxes and tax penalty pitfalls, we use active tax-reduction strategies and look for opportunities to help reduce your tax bill, saving more for what matters most to you.
Debt Management
We review your mortgages, car loans, credit cards, and any other debts that you may have, helping you identify opportunities to restructure debt to improve cash flow and/or reduce interest expense, prioritize repayment based on the most pertinent factors, and establish an optimal payment plan based on your situation.
Resource Center
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Upcoming Virtual Firm Events
From time to time, Morgan Stanley hosts live webcasts featuring the firm’s market strategists, external experts commenting on current events affecting financial markets, cybersecurity professionals advising on emerging threats and protections, prominent industry and cultural figures discussing their personal journeys, and more. Here you can register to attend upcoming events and view recordings of recent events we think you might find of interest.
Thinking of taking the next step with someone special? One of the most important conversations to have before tying the knot is about money—how each of you feel about it, how you’ll each make it, save it, spend it and invest it. Discussing potential differences will help plan for how to keep them from becoming bigger issues.
Join us on a session that will explore the critical importance of financial planning in achieving personal financial goals, whether it involves acquiring a dream home, starting a family, embarking on a desired vacation, or ensuring a secure retirement. This similar will focus on how strategic financial planning can empower our next generation.
Past Virtual Firm Events
Educating yourself on the Home Buying process, and the decisions you will need to make along the way, helps make it easier to make well-informed choices that align with your overall goals, priorities and vision for the future.
In case you missed it, we invite you to watch the replay from our conversation recorded on Tuesday, February 25 with Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Morgan Stanley Wealth Management’s Head of U.S. Public Policy, Monica Guerra on the top policy and regulatory actions that could impact investors in the months ahead.
Learn about the financial markets and investing including understanding the roles of buyers and sellers, market motivations, the need for a strategic approach to investing, investment indices, the concept of market cycles, and how time impacts investments.
Join us to navigate the ins and outs of career paths, digital branding and networking essentials. Whether you’re starting your career or looking to pivot, this session will equip you with the tools and strategies needed to thrive in today’s competitive landscape.
If you are an aspiring entrepreneur, this session will teach you the essential steps to take when launching your own business, from concept to execution. Discover the importance of building a reliable team and implementing robust business structures for long term success.
Join us on a session on the fundamentals of estate planning, a strategy designed to help protect, manage and distribute assets both during and after your lifetime. This session will feature our in-house experienced professionals that will speak about preserving your legacy while ensuring the well-being of your loved ones to leave a lasting impact.
Join us for a conversation on the economic trends, challenges and opportunities shaping our world led by Lisa Shalett, Chief Investment Officer and Ellen Zentner, Chief Economic Strategist and Global Head of Thematic and Macro Investing.
Hosted by Caroline Gundeck, Head of UHNW Client and Field Engagement, this insightful discussion will help you stay informed and ahead of the curve.
Hosted by Caroline Gundeck, Head of UHNW Client and Field Engagement, this insightful discussion will help you stay informed and ahead of the curve.
Join us for a session featuring Dr. Kim Henderson, Head of Wealth Management Health & Wellness Education who will provide us with insights into managing healthcare, investing in preventative care, and cultivating healthy habits that could lead to long- term prosperity.
This session will dive into the world of Philanthropy and Impact Investing.! Explore creating positive economic, social, and environmental impact by leveraging charitable giving alongside a socially responsible investment portfolio to make a meaningful difference in the world.
Our fourth session of the series will dive into the fundamentals of investing, from understanding market dynamics, defining asset classes such as stocks and bonds and other investment vehicles, as well as discussing asset allocation and diversification, this session will provide valuable insights to kickstart your investment journey.
Our third session of this series will explore the skills that are important to safeguard your online identity and assets, from common cyber threats to learning best practices for secure online transactions. This session will cover practical strategies to stay safe in today’s digital landscape.
Our second session of the series is aimed at empowering you with essential knowledge on credit and debt management so you can understand how to establish credit, understand credit history, demystify credit scores and navigate the world of lending in order to make informed decisions about your financial future.
Our first session of the series is an introduction to personal finance with a focus on beginning to build a strong financial foundation. We will discuss goal setting, cash flow, budgeting and saving strategies and the power of compounding interest.
Financial & Estate Planning
When preparing for tax season, it’s important to get organized early. You can place tax forms and other tax filing resources and documentation in a folder, keeping them together and easy to find when you or your CPA are ready for them. These are some resources you may find helpful in preparing your taxes for the past year and planning for the year ahead.
Strategies for reducing or optimizing your tax liability include a variety of possible approaches to retirement savings and charitable giving. Below are some resources that may help determine the right approach for your situation:
The following workbook can help you organize the critical details of your financial life and begin the process of: providing for your loved ones, clarifying your personal and financial goals, and updating your estate plan:
The Wealth OrganizerMarket Insights
The following reports, articles, and podcasts address many of the concepts that support our wealth management philosophy and investment strategies and can help you keep your finger on the pulse of market movements and trends.
The Global Investment Committee's Lisa Shalett headlines this weekly look at interest rates and inflation expectations
GIC Weekly Research ReportThe Global Investment Committee's Lisa Shalett headlines this weekly look at interest rates and inflation expectations
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts on the Market PodcastA monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Global Investment Committee: On the MarketsProtection from Identity Theft, Scams, & Fraud
Identity theft and financial scams are rampant today and constantly evolving. They can come by telephone (e.g., robocalls), email, and text messages. Be aware of social engineering techniques designed to compromise valuable personal and financial information, which frequently target senior and vulnerable adults. Here we’ve included fact sheets on several common scams, as well as links to additional guidance on protecting your identity and security, and to our Experian Identity & Credit Protection benefit available to clients.
DIGITAL TOOLS
Morgan Stanley continually invests in developing an expanding array of sophisticated technology to support our clients, including state of the art account security, identity protection, and comprehensive financial planning.
Morgan Stanley Online
Morgan Stanley Online (MSO) 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 eAuthorizations.
Click Here to Learn More and Log In
E-Authorization
With E-Authorization, you no longer need to sign a paper letter of Authorization (LOA) to authorize wire transfers and many other requests.
Log Into MSO to Sign Up for E-Authorization
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
Click Here to Learn How to Sign Up
Digital Vault
Digital Vault on Morgan Stanley Online and the mobile app allows for easy sharing and convenient access to life's most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted documents all in one place.
Watch this Video to Learn More
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
Click Here to Learn More
Goals Planning System
A holistic Goals Planning System (GPS) analysis helps us tailor an investment framework that considers key aspects of your life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Using goals as a benchmark, the investment strategy is continuously evaluated to help ensure you remain on-track.
Watch this Video to Learn More
VoiceID
VoiceID stores a unique voiceprint that can be used to confirm your identity when you call Morgan Stanley. Having your voiceprint on file reduces the risk of fraud by helping protect you from attempts to gain unauthorized access to your accounts.
Click Here to Learn More, or Call 800-869-3326 to Enroll
Identity & Credit Protection
A complimentary benefit provided by Experian® for Morgan Stanley clients who open a CashPlus account for everyday banking, we offer a robust suite of premium monitoring and identity services to help safeguard your personal information.
Click Here to Learn MoreLocation
284 Bellevue Ave
Newport, RI 02840
US
Direct:
(401) 845-3524(401) 845-3524
Toll-Free:
(800) 556-7008(800) 556-7008
Meet The Steinbrenner Group
Christopher C. Puranananda
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(401) 845-3541(401) 845-3541
About Derek A. Steinbrenner
Derek works alongside Chris in all aspects of our practice, from analyzing our investment strategies, to implementing them in client portfolios, to conducting financial goal analysis and planning with clients. He also drives process improvement for the team and works to ensure our high level of client service. With advanced degrees in business and psychology emphasizing quantitative analysis, and a 15-year career in management consulting operations, he brings a distinctive perspective and skillset to our practice and clients.
Prior to joining the Steinbrenner Group, Derek was principal and director of operations for Cambria Consulting, a Boston-based human resource management consulting firm. Derek’s experience working with the firm’s global network of independent executive coaches gives him insight into the financial opportunities, challenges, and concerns of independent contractors and small business owners.
Derek holds a BA in psychology, magna cum laude, from Tufts University, a master’s in psychology from Bowling Green State University, and an MBA from Columbus State University. He and his wife, Corinne, a freelance writer and editor, reside in East Greenwich, Rhode Island, with their two young sons, Garrett and Jonah. An active member of the East Greenwich community, Derek chairs the East Greenwich Land Trust and is treasurer of Cub Scouts Pack 3, East Greenwich.
Prior to joining the Steinbrenner Group, Derek was principal and director of operations for Cambria Consulting, a Boston-based human resource management consulting firm. Derek’s experience working with the firm’s global network of independent executive coaches gives him insight into the financial opportunities, challenges, and concerns of independent contractors and small business owners.
Derek holds a BA in psychology, magna cum laude, from Tufts University, a master’s in psychology from Bowling Green State University, and an MBA from Columbus State University. He and his wife, Corinne, a freelance writer and editor, reside in East Greenwich, Rhode Island, with their two young sons, Garrett and Jonah. An active member of the East Greenwich community, Derek chairs the East Greenwich Land Trust and is treasurer of Cub Scouts Pack 3, East Greenwich.
Securities Agent: PA, NY, AZ, MA, KY, VA, NJ, VT, MI, OH, TN, RI, CT, CO, TX, NM, NH, GA, NV, FL, MO, MD, ME, MN, IN, IL, DE, ID, HI, CA, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1451643
CA Insurance License #: 0L05374
NMLS#: 1451643
CA Insurance License #: 0L05374
About Christopher C. Puranananda
Chris’s interest in investing began at a young age, when he would sit with his father and pick stocks from the Wall Street Journal. That experience set the foundation for a lifelong interest in the stock market and taught him the importance of choosing investments wisely, planning for the future, and focusing on the long term.
Joining The Steinbrenner Group has given Chris the opportunity to share his extensive financial knowledge and understanding with others, and help our clients make smart financial decisions. Chris works alongside Derek in all aspects of our practice, from analyzing our investment strategies, to implementing them in client portfolios, to conducting financial goal analysis and planning with clients. He has also developed a focus in the arena of education funding and college financial planning, including strategies for maximizing financial aid eligibility.
Chris holds a BS in electrical engineering from Tufts University and an MBA in finance from DePaul University. Before joining Morgan Stanley, he spent over 20 years in the Telecom industry, working with a wide range of businesses, from Fortune 500 companies to small start-ups. Chris and his wife, Erin (Paul’s daughter / Derek’s sister) reside in Newport RI. Both of their children are attending the University of Colorado Boulder, Claire is working toward her PhD in geochemistry and Carter is studying business with a concentration in finance
Joining The Steinbrenner Group has given Chris the opportunity to share his extensive financial knowledge and understanding with others, and help our clients make smart financial decisions. Chris works alongside Derek in all aspects of our practice, from analyzing our investment strategies, to implementing them in client portfolios, to conducting financial goal analysis and planning with clients. He has also developed a focus in the arena of education funding and college financial planning, including strategies for maximizing financial aid eligibility.
Chris holds a BS in electrical engineering from Tufts University and an MBA in finance from DePaul University. Before joining Morgan Stanley, he spent over 20 years in the Telecom industry, working with a wide range of businesses, from Fortune 500 companies to small start-ups. Chris and his wife, Erin (Paul’s daughter / Derek’s sister) reside in Newport RI. Both of their children are attending the University of Colorado Boulder, Claire is working toward her PhD in geochemistry and Carter is studying business with a concentration in finance
Securities Agent: MI, MD, CA, NV, WA, NY, DE, VA, AZ, TX, NH, VT, FL, IN, IL, OH, NJ, MN, MA, MO, TN, NM, ID, GA, ME, RI, PA, HI, CT, CO, KY, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1705084
CA Insurance License #: OM15869
NMLS#: 1705084
CA Insurance License #: OM15869
Contact Derek A. Steinbrenner
Contact Christopher C. Puranananda
Wealth Management
From Our Team
Are You Prepared for Tax Day?
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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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Ready to start a conversation? Contact The Steinbrenner Group today.
1Morgan 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.
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.
3Morgan 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.
4When 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.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10When 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:
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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.
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Awards Disclosures
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.
3Morgan 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.
4When 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.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10When 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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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)
