Phone:
(973) 467-6318(973) 467-6318
THE STICKLER/PALAZZOLO GROUP at Morgan Stanley
Short Hills:
(973) 467-6318(973) 467-6318
Our Mission Statement
Customized investment and financial strategies for clients like you
Story and Services
The Stickler / Palazzolo Group has over 60 years of combined work experience in the financial services industries helping individuals and families maintain and grow their wealth. As a team, our focus is on advising you through life’s major moments such as retirement, purchasing a home, and planning for a child’s college education.
As your Financial Advisors, we will help you define and strive to meet your goals by offering the industry-leading resources of Morgan Stanley and the personal individualistic care of a close-knit team. Our mission is to help make your wealth work as hard as it can. To accomplish your goals, we must ask the right questions, find appropriate strategies and put all of our experience at work for you. You can count on us to understand the life you envision, and only then can we help create wealth management strategies aimed at meeting the objectives that matter most.
We at The Stickler / Palazzolo Group are proud of the work we have been delivering to our clients for decades and are excited to welcome the opportunity to deliver this same level of excellence to you and your family soon.
As your Financial Advisors, we will help you define and strive to meet your goals by offering the industry-leading resources of Morgan Stanley and the personal individualistic care of a close-knit team. Our mission is to help make your wealth work as hard as it can. To accomplish your goals, we must ask the right questions, find appropriate strategies and put all of our experience at work for you. You can count on us to understand the life you envision, and only then can we help create wealth management strategies aimed at meeting the objectives that matter most.
We at The Stickler / Palazzolo Group are proud of the work we have been delivering to our clients for decades and are excited to welcome the opportunity to deliver this same level of excellence to you and your family soon.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Financial Plan
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, 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.
We can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, 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.
We can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
2022 Tax Tables
This helpful resource outlines the 2022 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2022 Federal Tax Tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, the Stickler / Palazzolo Group helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve your financial goals.
Working With You
As comprehensive financial planning continues to increase in complexity, individual clients need careful personal attention to their finances along with a strategy that fits their needs. Michael and Phil have dedicated their careers striving to ensure that every client has an individual financial approach that works for their fiscal objectives. Michael and Phil will take the time to learn about you, your family, and your business in order to develop a personal investment strategy. Then, once a plan has been made, it will be monitored, modified, and updated on a regular basis.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you've prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
Investor Resources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Planning for Retirement
While retirement may still be decades away, it’s essential to start planning and saving for the life you want. The path to your ideal retirement may have some twists and turns, but smart planning can help you reach your destination.
Develop Your Retirement Roadmap
Saving for Retirement
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.
You Work Hard, Make Your 401(k) Work Harder
Healthcare
Health care costs are rising—especially for retirees, and some may need long-term care. Learn the moves you can make to help prepare yourself.
Planning for the Rising Costs of Healthcare
Financial Literacy
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life.
Make Financial Literacy a Family Affair
Social Security
Maximizing your Social Security retirement benefits can help you achieve other financial goals.
Social Security Benefits: It Can Pay to Wait
Education Planning
They're tax friendly, flexible and available to anyone. Yet, 529 education savings plans are still underused. Here are five things that parents, grandparents and anyone hoping to get a leg up on college costs need to know.
5 Things You May Not Know About 529sLocation
150 Jfk Parkway
2nd Fl
Short Hills, NJ 07078
US
Direct:
(973) 467-6318(973) 467-6318
Meet THE STICKLER/PALAZZOLO GROUP
Phone:
(973) 921-6517(973) 921-6517
Phone:
(973) 467-6384(973) 467-6384
Paula Epstein
Portfolio Associate
Phone:
(973) 467-6339(973) 467-6339
About Michael Stickler
Michael Stickler, Senior Vice President & Financial Advisor, began working at Morgan Stanley 1993. He joined his father, Don Stickler (now retired), who had been with the same company for over 40 years. Michael helps clients develop strategies to manage their personal & business finances and create long-term financial plans.
In 2001, Phil Palazzolo joined Michael to form THE STICKLER / PALAZZOLO GROUP. Together with their assistant, Paula Epstein, Michael and Phil provide clients with customer support and investment advice. Knowing that every client has different financial needs, Michael spends a substantial amount of time for each individual creating a plan that encompasses his clients goals with a detailed, organized, and holistic approach.
Michael has been working in finance for over 30 years. Prior to joining Morgan Stanley*, Michael worked for AT&T in Bedminster, NJ. He started working for AT&T as a summer intern while attending college, and joined the telecommunications giant full time upon graduation.
Michael attended the University of Massachusetts in Amherst, graduating with a major in Computer Science and a minor in Economics.
Michael was an Emergency Medical Technician (EMT) and a member of the Mountainside Rescue Squad serving many years as Treasurer, Captain, and Deputy Captain. Today, Michael lives with his wife of over 25 years, Elisa, and their two sons, Brian and Jeffrey. He enjoys spending time with his family, learning about photography and video editing, and finding new things to fix and optimize around the house.
In 2001, Phil Palazzolo joined Michael to form THE STICKLER / PALAZZOLO GROUP. Together with their assistant, Paula Epstein, Michael and Phil provide clients with customer support and investment advice. Knowing that every client has different financial needs, Michael spends a substantial amount of time for each individual creating a plan that encompasses his clients goals with a detailed, organized, and holistic approach.
Michael has been working in finance for over 30 years. Prior to joining Morgan Stanley*, Michael worked for AT&T in Bedminster, NJ. He started working for AT&T as a summer intern while attending college, and joined the telecommunications giant full time upon graduation.
Michael attended the University of Massachusetts in Amherst, graduating with a major in Computer Science and a minor in Economics.
Michael was an Emergency Medical Technician (EMT) and a member of the Mountainside Rescue Squad serving many years as Treasurer, Captain, and Deputy Captain. Today, Michael lives with his wife of over 25 years, Elisa, and their two sons, Brian and Jeffrey. He enjoys spending time with his family, learning about photography and video editing, and finding new things to fix and optimize around the house.
Securities Agent: WA, IL, MN, WI, AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IN, KS, KY, MA, MD, ME, MO, MT, NC, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TX, VA, VT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262079
CA Insurance License #: 0G37573
NMLS#: 1262079
CA Insurance License #: 0G37573
About Philip Palazzolo
As a Morgan Stanley Financial Advisor, Portfolio Manager & CERTIFIED FINANCIAL PLANNER™, Mr. Palazzolo has spent his career helping people create and implement comprehensive financial plans while investing and managing portfolios. His clients range from individuals to corporations, retirement plans and charitable foundations.
He has extensive experience in developing and implementing fundamental trading strategies utilizing technical analysis & trading. Phil has been a member of The Stickler/Palazzolo Group at Morgan Stanley shortly after establishing himself there in 2001.
Being a CERTIFIED FINANCIAL PLANNER™ Practitioner means he has met rigorous certification requirements, which include initial and continuing education, an examination and experience standards. Whether you’re looking for simple financial solutions or the most sophisticated kinds of investments, at Morgan Stanley, we have the experience and strength to help you make them work for you.
Phil graduated from Rutgers University with a Baccalaureate degree in Communication, Information & Library Studies and holds an Associate degree in Business Administration. He has completed the Financial Planning Certificate graduate program at Fairleigh Dickinson University. One of his strongest credentials is that he is a CERTIFIED FINANCIAL PLANNER™ Practitioner and he has also agreed to adhere to the CFP® Board’s strict code of ethics and practice standards. He is a Registered Representative (NYSE/FINRA) and a Registered Investment Advisor Agent who is fully licensed to conduct investment and insurance transactions in many states. Continued education is emphasized in order to keep abreast of current tax legislation as it relates to each client’s specific financial strategy.
Phil has continued to develop his financial consulting business focusing on estate planning strategies, business planning and portfolio design. In developing a comprehensive financial strategy, Phil emphasizes the importance of a long-term, trusting relationship. Working hand in hand with clients to help them accomplish their personal goals and objectives. Once designed, the strategies are then implemented and maintained through Morgan Stanley. Strategies are evaluated at review meetings, which occur at least annually to ensure the focus is maintained relative to the clients changing goals.
As part of a full-service, global financial services firm, Phil has ready access to a wealth of resources. His clients have access award-winning equity research and its world-class investment banking and asset management capabilities. In addition, he can offer a comprehensive range of financial products and services, such as stocks, bonds, mutual funds, insurance, lending, tax-exempt investments, retirement and personal trust services, financial planning, estate planning strategies, professional portfolio management, credit products, and online services.
Phil has earned a 2nd Dan Black Belt in Tae Kwon Do and has passion for art history, lead guitar, surfing/skateboarding, ballroom dance and traveling.
He has extensive experience in developing and implementing fundamental trading strategies utilizing technical analysis & trading. Phil has been a member of The Stickler/Palazzolo Group at Morgan Stanley shortly after establishing himself there in 2001.
Being a CERTIFIED FINANCIAL PLANNER™ Practitioner means he has met rigorous certification requirements, which include initial and continuing education, an examination and experience standards. Whether you’re looking for simple financial solutions or the most sophisticated kinds of investments, at Morgan Stanley, we have the experience and strength to help you make them work for you.
Phil graduated from Rutgers University with a Baccalaureate degree in Communication, Information & Library Studies and holds an Associate degree in Business Administration. He has completed the Financial Planning Certificate graduate program at Fairleigh Dickinson University. One of his strongest credentials is that he is a CERTIFIED FINANCIAL PLANNER™ Practitioner and he has also agreed to adhere to the CFP® Board’s strict code of ethics and practice standards. He is a Registered Representative (NYSE/FINRA) and a Registered Investment Advisor Agent who is fully licensed to conduct investment and insurance transactions in many states. Continued education is emphasized in order to keep abreast of current tax legislation as it relates to each client’s specific financial strategy.
Phil has continued to develop his financial consulting business focusing on estate planning strategies, business planning and portfolio design. In developing a comprehensive financial strategy, Phil emphasizes the importance of a long-term, trusting relationship. Working hand in hand with clients to help them accomplish their personal goals and objectives. Once designed, the strategies are then implemented and maintained through Morgan Stanley. Strategies are evaluated at review meetings, which occur at least annually to ensure the focus is maintained relative to the clients changing goals.
As part of a full-service, global financial services firm, Phil has ready access to a wealth of resources. His clients have access award-winning equity research and its world-class investment banking and asset management capabilities. In addition, he can offer a comprehensive range of financial products and services, such as stocks, bonds, mutual funds, insurance, lending, tax-exempt investments, retirement and personal trust services, financial planning, estate planning strategies, professional portfolio management, credit products, and online services.
Phil has earned a 2nd Dan Black Belt in Tae Kwon Do and has passion for art history, lead guitar, surfing/skateboarding, ballroom dance and traveling.
Securities Agent: SC, VA, VT, WA, RI, PA, TX, OH, NY, NV, NJ, NH, NC, ME, MD, MA, IN, ID, GA, FL, DE, DC, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1272902
CA Insurance License #: 0G41137
NMLS#: 1272902
CA Insurance License #: 0G41137
About Brian Stickler
Brian Stickler, Financial Advisor, began working at Morgan Stanley in 2020. He joined his father Michael Stickler and Phil Palazzolo to become part of THE STICKLER / PALAZZOLO GROUP which has been an investing team at Morgan Stanley since 2001.
Along with the team’s assistant, Paula Epstein – Brian, Michael, and Phil provide clients with top of the line customer support and financial advice. Brian focuses on creating financial plans for clients encompassing their goals and helping them meet their needs.
As a third generation Financial Advisor, Brian’s mission is to help make his client's wealth work as hard as it can. To accomplish this goal he must ask the right questions, find appropriate strategies, and put all of his team's experience and resources at Morgan Stanley to work. Clients can count on him to understand the life they envision and help create wealth management strategies aimed at meeting the objectives that matter most.
Prior to joining Morgan Stanley, Brian was a District Sales Manager for PepsiCo in Somerset, NJ. He also attended The Pennsylvania State University and graduated with a major in Business Marketing and a minor in Information Systems Management.
In his free time, Brian likes to spend time with his friends and family near Hoboken where he lives. He also likes to take trips to Yankee games and beaches as well as play softball and golf.
Along with the team’s assistant, Paula Epstein – Brian, Michael, and Phil provide clients with top of the line customer support and financial advice. Brian focuses on creating financial plans for clients encompassing their goals and helping them meet their needs.
As a third generation Financial Advisor, Brian’s mission is to help make his client's wealth work as hard as it can. To accomplish this goal he must ask the right questions, find appropriate strategies, and put all of his team's experience and resources at Morgan Stanley to work. Clients can count on him to understand the life they envision and help create wealth management strategies aimed at meeting the objectives that matter most.
Prior to joining Morgan Stanley, Brian was a District Sales Manager for PepsiCo in Somerset, NJ. He also attended The Pennsylvania State University and graduated with a major in Business Marketing and a minor in Information Systems Management.
In his free time, Brian likes to spend time with his friends and family near Hoboken where he lives. He also likes to take trips to Yankee games and beaches as well as play softball and golf.
Securities Agent: CA, CT, DC, DE, FL, GA, IL, IN, MA, MD, ME, NC, NH, NJ, NV, NY, OH, PA, RI, SC, TX, VA, VT, WA, AZ, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 2115908
NMLS#: 2115908
About Paula Epstein
Paula joined The Stickler/Palazzolo Group in the Morgan Stanley* Short Hills office in 2004 and has been with Morgan Stanley since 1990. Paula has held the following positions: Branch Liaison Representative, Operations Manager, ACATS Manager, and Branch Manager Assistant. Paula is a registered representative.
Direct: (973) 467-6339
Email: paula.epstein@morganstanley.com
Direct: (973) 467-6339
Email: paula.epstein@morganstanley.com
Contact Michael Stickler
Contact Philip Palazzolo
Contact Brian Stickler
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
Don Janevski
Private Banker
Adam Guralnick
Private Banker
About Don Janevski
Don Janevski is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
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.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
NMLS#: 197095
About Adam Guralnick
Adam Guralnick is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Adam began his career in financial services in 2002, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Adam began his career in financial services in 2002, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
NMLS#: 1114313
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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 STICKLER/PALAZZOLO 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’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 and other legal matters.
6Annuities 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’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 and other legal matters.
6Annuities 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)
