Scott Discount
Financial Advisor, Senior Portfolio Manager
Phone:
(760) 779-8408(760) 779-8408
The Stonewall Group at Morgan Stanley
Palm Desert:
(760) 779-8408(760) 779-8408
Menlo Park:
(650) 926-7674(650) 926-7674
Our Mission Statement
We empower the world’s innovators, pioneers,
and difference-makers in finding financial freedom
to change the world.
Through a tailored and caring experience,
we help them grow their wealth
and simplify their lives,
so they can focus on what they do best.
and difference-makers in finding financial freedom
to change the world.
Through a tailored and caring experience,
we help them grow their wealth
and simplify their lives,
so they can focus on what they do best.
Our Story and Services
At The Stonewall Group at Morgan Stanley, we are proud to serve an amazing and talented group of people. While they each have their own unique wealth creation story, they all have one important trait in common: The desire to achieve greater balance in their lives, so they have the freedom to pursue their life goals with greater confidence and control.
We begin our process by getting to know you. We want to understand your life and the challenges you currently face. We want to learn about the values that are important to you. And we want to help you prioritize both your short- and long-term goals, so we can develop a personalized game plan that unlocks the power of your wealth today and as it grows over time.
Named for the Stonewall Inn in the Greenwich Village neighborhood of New York City, we have more than 45 years of collective experience working with clients who live extraordinary lives and who require financial services that go beyond the ordinary. Our unique backgrounds and strengths enable us to fully serve the needs of a broad array of clients, from professional gamers to members of the LGBTQ community to high net worth families . . . and everything in between.
As we begin to work together, you will experience a level of care that aims to exceed your expectations. Every. Single. Day. We are proud of the “white glove” service and solutions we provide each client and welcome the opportunity to deliver this same level of excellence to you.
We begin our process by getting to know you. We want to understand your life and the challenges you currently face. We want to learn about the values that are important to you. And we want to help you prioritize both your short- and long-term goals, so we can develop a personalized game plan that unlocks the power of your wealth today and as it grows over time.
Named for the Stonewall Inn in the Greenwich Village neighborhood of New York City, we have more than 45 years of collective experience working with clients who live extraordinary lives and who require financial services that go beyond the ordinary. Our unique backgrounds and strengths enable us to fully serve the needs of a broad array of clients, from professional gamers to members of the LGBTQ community to high net worth families . . . and everything in between.
As we begin to work together, you will experience a level of care that aims to exceed your expectations. Every. Single. Day. We are proud of the “white glove” service and solutions we provide each client and welcome the opportunity to deliver this same level of excellence to you.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Philanthropic ManagementFootnote3
- Retirement PlanningFootnote4
- LGBT+ Planning ServicesFootnote5
- Financial PlanningFootnote6
- Estate Planning StrategiesFootnote7
- Executive Benefit ServicesFootnote8
- Business PlanningFootnote9
- Planning for Individuals with Special Needs and their Families
- Endowments and FoundationsFootnote10
- Long Term Care InsuranceFootnote11
- Cash Management and Lending ProductsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
You Define Success, We Help You Achieve It
We work with an exceptional group of clients who value and respect the advice we carefully cultivate for them in the achievement of their goals. Every day, we help them answer questions about their wealth, so they can make more informed decisions with confidence.
Here are just some of the questions we can you help YOU answer about your finances and your future:
- - How do I invest my hard-earned money in a way that strategically allows me to stay focused on my career?
- - Am I taking on too much risk in my portfolio? Are my investments set up for success?
- - Is there a way to incorporate my personal values into the way I invest without giving up performance?
- - Are there ways to generate cash flow without liquidating my securities and incurring taxes?
- - Will I be able to retire on my current timetable?
- - If I leave my company, what happens to my 401(k) account? What are my options?
- - Life’s risks can reveal themselves in many ways – from loss of life to loss of health to loss of income. How do I protect myself and my family from life’s unknowns?
- - I have a will, but do I also need a trust to make sure my assets are distributed as I wish?
- - Making sure my estate goes to the people and organizations I care about is important to me. How do I leave a lasting legacy?
Our Clients Include:
- • Professional gamers who are building legitimacy for gaming as a career choice and paving the way for future competitors and content creators
- • Members of the LGBTQ community who have special financial needs, including minimizing taxes and optimizing estate and gifting strategies
- • Successful professionals and business owners who have amassed significant wealth during their careers and seek sophisticated strategies to continue to grow and preserve their assets
- • Referrals from existing clients and industry professionals
Education and Engagement
At The Stonewell Group, we believe ongoing financial education leads to a better understanding of how to manage your assets and protect your wealth. To that end, throughout the year we host a number of programs that focus on all aspects of your financial life.
We create these opportunities so we can share insights and new perspectives on topics that can simplify your life and strengthen your financial security. We look forward to seeing you at our upcoming activities. Please check back regularly for updates on additional activities we hold throughout the year.
We create these opportunities so we can share insights and new perspectives on topics that can simplify your life and strengthen your financial security. We look forward to seeing you at our upcoming activities. Please check back regularly for updates on additional activities we hold throughout the year.
2022 Desert AIDS Walk - October 29, 2022
Stop By Our Booth!
We are proud sponsors of the 2022 Desert AIDS Walk, one of the largest local gatherings to celebrate the LGBTQ community.
The event will take place on Saturday, October 30th at Ruth Hardy Park. The AIDS walk follows a route through downtown Palm Springs and shines a light on ending AIDS and caring for people living with HIV.
Please join us at this event and stop by our booth. We look forward to meeting and learning about your personal journey.
We are proud sponsors of the 2022 Desert AIDS Walk, one of the largest local gatherings to celebrate the LGBTQ community.
The event will take place on Saturday, October 30th at Ruth Hardy Park. The AIDS walk follows a route through downtown Palm Springs and shines a light on ending AIDS and caring for people living with HIV.
Please join us at this event and stop by our booth. We look forward to meeting and learning about your personal journey.
Location
74199 El Paseo
Suite 201
Palm Desert, CA 92260
US
Direct:
(760) 779-8408(760) 779-8408
2775 Sand Hill Road
Suite 120
Menlo Park, CA 94025
US
Direct:
(650) 926-7674(650) 926-7674
Meet The Stonewall Group
About Scott Discount
Scott Discount, Financial Advisor and Portfolio Manager, brings a lifetime of experience to his role at Morgan Stanley. As co-founder of The Stonewall Group at Morgan Stanley, he focuses on helping clients achieve their short- and long-term goals with an emphasis on portfolio construction and investment management. Scott has a rare depth of knowledge and understanding of the financial markets with more than 40 years of experience working at some of the country’s largest firms on Wall Street. His areas of experience include equities, equity options, currencies, interest rates, and Emerging Market fixed income derivatives. He enjoys sharing his insights with high net worth individuals who seek more sophisticated strategies to grow and preserve their assets.
Growing up in Sayville, New York, Scott moved to Manhattan after earning his B.A. degree in Economics from Cornell University. His intellectual curiosity and passion for investing enabled him to build a long and successful career in capital markets. Prior to joining Morgan Stanley, Scott spent three years as a Global Macro Portfolio Manager for the Millennium Partners Hedge Fund. He worked at J.P. Morgan for 13 years and was instrumental in starting four businesses for the firm. He managed money for select Private Bank clients, traded for J.P. Morgan’s proprietary capital account, served as Product Manager of the firm’s Latin American Local Markets group, and ultimately moved to the Emerging Markets Fixed Income Division where he was involved in structured credit and derivatives. While there, he helped structure the initial issuance of the United States of Mexico’s local bond warrant transaction, totaling $1.5 billion. This transaction won the Government of Mexico the 2006 Euromoney’s “Deal of the Year” award.
Today, Scott draws upon his vast industry knowledge to provide clients with customized investment portfolios and tailored advice. He enjoys solving problems for clients and educating them about the markets. Above all, he excels at simplifying the complexities of investing. His extensive experience – coupled with his ability to decipher complicated financial matters – enables him to help clients understand the intricate details of their wealth, while guiding them towards the achievement of their personal and professional goals.
Scott currently lives in Palm Springs with his husband, Seann Coffee. Together for over 26 years, they enjoy spending time with their two stepdaughters, five grandchildren and two Golden retrievers. Their younger daughter, Maggie, was a super model for decades and now lives in northern California with her family. Scott and Seann leveraged her fame to raise money for AIDS. They hosted one of the largest HIV/AIDS galas in New York City for seven years. Their older daughter, Julia, is also involved in charitable work and lives in upstate New York.
Beyond supporting various philanthropic efforts with the DAP Health (formerly the Desert AIDS Project), the LGBT Center and the Sanctuary, Scott enjoys horseback riding, traveling, making music (cello and piano) and participating in various dog shows. For 15 years, he and Seann managed a kennel of Goldens. At their peak, they had 10 adult Goldens they were showing and breeding.
Growing up in Sayville, New York, Scott moved to Manhattan after earning his B.A. degree in Economics from Cornell University. His intellectual curiosity and passion for investing enabled him to build a long and successful career in capital markets. Prior to joining Morgan Stanley, Scott spent three years as a Global Macro Portfolio Manager for the Millennium Partners Hedge Fund. He worked at J.P. Morgan for 13 years and was instrumental in starting four businesses for the firm. He managed money for select Private Bank clients, traded for J.P. Morgan’s proprietary capital account, served as Product Manager of the firm’s Latin American Local Markets group, and ultimately moved to the Emerging Markets Fixed Income Division where he was involved in structured credit and derivatives. While there, he helped structure the initial issuance of the United States of Mexico’s local bond warrant transaction, totaling $1.5 billion. This transaction won the Government of Mexico the 2006 Euromoney’s “Deal of the Year” award.
Today, Scott draws upon his vast industry knowledge to provide clients with customized investment portfolios and tailored advice. He enjoys solving problems for clients and educating them about the markets. Above all, he excels at simplifying the complexities of investing. His extensive experience – coupled with his ability to decipher complicated financial matters – enables him to help clients understand the intricate details of their wealth, while guiding them towards the achievement of their personal and professional goals.
Scott currently lives in Palm Springs with his husband, Seann Coffee. Together for over 26 years, they enjoy spending time with their two stepdaughters, five grandchildren and two Golden retrievers. Their younger daughter, Maggie, was a super model for decades and now lives in northern California with her family. Scott and Seann leveraged her fame to raise money for AIDS. They hosted one of the largest HIV/AIDS galas in New York City for seven years. Their older daughter, Julia, is also involved in charitable work and lives in upstate New York.
Beyond supporting various philanthropic efforts with the DAP Health (formerly the Desert AIDS Project), the LGBT Center and the Sanctuary, Scott enjoys horseback riding, traveling, making music (cello and piano) and participating in various dog shows. For 15 years, he and Seann managed a kennel of Goldens. At their peak, they had 10 adult Goldens they were showing and breeding.
Securities Agent: IN, TX, WI, AZ, MD, CO, PA, FL, NM, NE, GA, DE, VA, NJ, IA, TN, MO, ID, DC, CA, AK, WA, UT, SC, NY, CT, OR, NC, MA, KY, RI, MT, ME, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1760551
NMLS#: 1760551
About Jeff Chen
Securities Agent: CA, AK, UT, PA, MT, MN, TX, KS, VA, MD, OR, GA, CO, NJ, MO, NE, WI, WA, NY, NV, NC, FL, AZ, MA, SC, NH, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1463085
NMLS#: 1463085
Contact Scott Discount
Contact Jeff Chen
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
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The Stonewall 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’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.
3Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
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.
6Morgan 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.
7Morgan 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.
8When 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.
9Morgan 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.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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
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.
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2Morgan 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.
3Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
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.
6Morgan 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.
7Morgan 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.
8When 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.
9Morgan 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.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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
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.
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CRC 6491812 (04/2024)
