Phone:
(847) 480-5407(847) 480-5407
The Strumphler Holly Galfi Group at Morgan Stanley
Direct:
(847) 480-5407(847) 480-5407
Our Mission Statement
Our mission is to provide confidence in your financial life by earning your trust and understanding your needs. Our comprehensive planning approach allows us to develop creative solutions designed to help ensure liquidity, increase longevity, and safeguard your legacy.
Our Story and Services
Empowering families to achieve and maintain financial independence is the fundamental principle that drives our practice. We focus on what is most important to you and provide the critical thinking, specialized skills and global resources to enable you to make more informed decisions about your finances.
We are guided by our core principles which drive our decision-making process as Financial Advisors:
• We work for you.
• Trust is earned over time and remains our most important asset.
• We take pride in the professional quality of our work.
• We believe in continuous improvement.
• We learn and adapt as our clients' needs change.
• Integrity and honesty are at the heart of everything we do.
Our ultimate goal — through a comprehensive goals-based wealth management process — is to help bring clarity and focus to the objectives that matter most to you.
Committed to helping you protect and grow your assets, we are focused on providing timely, unbiased advice and earning your confidence every day to make a real difference in your life.
We are guided by our core principles which drive our decision-making process as Financial Advisors:
• We work for you.
• Trust is earned over time and remains our most important asset.
• We take pride in the professional quality of our work.
• We believe in continuous improvement.
• We learn and adapt as our clients' needs change.
• Integrity and honesty are at the heart of everything we do.
Our ultimate goal — through a comprehensive goals-based wealth management process — is to help bring clarity and focus to the objectives that matter most to you.
Committed to helping you protect and grow your assets, we are focused on providing timely, unbiased advice and earning your confidence every day to make a real difference in your life.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Professional Portfolio ManagementFootnote5
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- Cash Management and Lending ProductsFootnote8
- 401(k) Rollovers
- Planning for Education FundingFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps to meet your individual financial needs:
Step 1: Initial Meeting
We start by sitting down with you to get a full picture of your vision, your values, and your goals. By evaluating your unique financial needs, we determine how we can add value by addressing the specific concerns and challenges applicable to you. In this meeting we set the groundwork for what you can expect from our team: communication, transparency, and performance.
Step 2: Your Investment Strategy
From there, we gather your information to get a cohesive look at your finances. With these details, and our discussions, we determine your level of risk tolerance and time horizon while analyzing your current investments. We then develop a fully customized financial strategy to help preserve and grow your wealth.
Step 3: Strategy Meeting
Once your strategy is complete, we meet with you again to go through our plan in detail. This starts with a presentation with our investment ideas and proposals. After discussing any thoughts you may have, we cover our fees and complete any necessary paperwork.
Step 4: Implementation
After covering all the details, and deciding to proceed, we begin transferring your assets to Morgan Stanley so that we can manage your investments. We then execute your financial plan, as discussed.
Step 5: Follow-Up
When your plan is fully in place, we meet with you to cover our statements and any further documentation. We review the online tools available as part of your plan to track progress and securely add new information as needed. We then determine a schedule that works for you for our future meetings.
Step 6: Ongoing Review
Throughout the year, we are constantly reviewing and rebalancing your portfolio to align with your plan. We hold regular calls or meeting with you to go over performance and determine if your needs have changed in any way. Keeping you informed is one of our top priorities, and we ensure you are fully up to date regardless of market conditions.
Our Services to You
No matter what you want to achieve, we will work with you to provide ongoing, comprehensive planning and advice to help you succeed.
We’re here to provide a wide array of services centered on your financial goals. We’ll create a customize strategy to help you meet your needs and provide access to specialists as needed.
We’re here to provide a wide array of services centered on your financial goals. We’ll create a customize strategy to help you meet your needs and provide access to specialists as needed.
Retirement Planning
Planning for retirement has never been easy, but in recent years, it’s become increasingly difficult. We’re here to help you create a well-rounded planning approach for retirement. We’ll help you identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
View Insights on Retirement Planning
Estate Planning
Leaving a legacy for your loved ones is an important aspect of prudent wealth management. Having a comprehensive estate plan in place can give you peace of mind that your to your family is provided for. From tax-smart strategies to streamlining the beneficiary process, we can help facilitate your estate planning objectives.
Estate Planning Questions to Consider
Portfolio Management
A dynamic asset allocation approach combines strategic, long-term views with tactical tilts to create a diversified strategy that aims to balances risk and return wile navigating shifting markets. We’re here to carefully construct portfolios to meet specific risk profile and implement a strategy across a variety of asset classes to maximize diversification.
Asset Allocation and Diversification does not assure a profit or protect against loss in declining financial markets
Asset Allocation and Diversification does not assure a profit or protect against loss in declining financial markets
Cash Management & Lending
As a Morgan Stanley client, you will have access to a suite of cash management solutions as a competitive alternative to a traditional bank. Through your Morgan Stanley Active Assets Account or CashPlus Brokerage Account, you can access a full suite of Cash Management Solutions to help you manage your everyday finances. Additionally, we're able to provide qualified clients with financing solutions for almost any personal or business need using the eligible securities in your brokerage account as collateral for a flexible line of credit.
401(k) Rollovers
After participating in your employer's qualified retirement plan, you have likely earned a vested interest in all or part of your benefits - including the contributions you've made, your employer's contributions, and any growth in value of the account. We can help you explore the options available to you, including how exercising each of those options could affect the taxation of your retirement assets.
Learn More About Your OptionsDigital Tools For You
Morgan Stanley is at the forefront of technology in the industry. The Firm strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast and flexible. As a part of our services, these resources are readily available for our clients.
Morgan Stanley Online
Beyond viewing your account balance and activity, 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.
Learn More About MSO
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Our Online Security
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery to securely save, print, send, and receive documents at any time.
Enroll in eDelivery
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Spending and Budgeting Tool
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Watch Video on Digital VaultFrom Our Team & Morgan Stanley
We are fortunate to have a culture built on open discourse of thought-provoking ideas and information. While our clients expect us to share our thoughts on the latest finance and market updates, we believe that the holistic wealth management experience includes discussing lifestyle and current events as well. To this point, the Monthly Newsletter is our space to share the latest news on what is being discussed in our office.
Tips for Your Taxes in 2024
The countdown to Tax Day has begun. Here are some steps you can take to prepare as the deadline approaches.
Review These Tips2023 Tax Tables
Whether you're trying to figure out your marginal tax bracket or simply want to find the new limits on retirement accounts, our 2023 tax tables should have all the information you're looking for. Bookmark this page for quick access as you prepare for the next tax season.
View the 2023 Tax TablesOn The Markets
Morgan Stanley’s Chief Investment Officers and their colleagues break down the latest market trends and share their insights in this monthly report.
Read the Latest ReportGIC Weekly
This weekly report from Lisa Shalett and the Global Investment Committee provides a deep dive on the latest market news and investment themes. From global economic trends, to fixed income outlooks and thematic investing, the GIC Weekly is a terrific source for Morgan Stanley’s research content -check back every Monday for the latest.
Click Here for the LatestMake The Most of Your Cash
Take advantage of our Preferred Savings Program for Qualifying Cash† offer with flexible options and more ways to save. There are two ways you may participate, either 1) bring new cash deposits from external sources or 2) use proceeds from the sale, income or distribution from securities in your eligible Morgan Stanley brokerage accounts.
Learn More HereLocation
111 S. Pfingsten Road
Suite 200
Deerfield, IL 60015
US
Direct:
(847) 480-5407(847) 480-5407
Meet The Strumphler Holly Galfi Group
Phone:
(847) 480-5408(847) 480-5408
Jon Meek, CFP®
Portfolio Associate
Phone:
(847) 480-5457(847) 480-5457
About Daniel Strumphler
Daniel was born and raised in the Netherlands and moved to the United States after completing graduate school-originally intending to stay just a few years. Over 40 years later, he has built a life across both coasts before settling in the Chicagoland area in the mid-1990s. Throughout his career, Daniel has worked exclusively in the financial services industry. He brings decades of experience and a deep commitment to guiding clients through the complexities of financial planning and portfolio management. His approach is grounded in responsibility, long-term perspective, and a personal mission: to empower clients to focus on what matters most-family, community, and meaningful work- especially in uncertain times.
Today, Daniel and his wife Elissa split their time between Chicago and New Orleans, staying close to their church, lifelong friends, and growing family, including beloved grandchildren. His personal values of collection, integrity, and service are reflected in everything he does-both professionally and personally.
Today, Daniel and his wife Elissa split their time between Chicago and New Orleans, staying close to their church, lifelong friends, and growing family, including beloved grandchildren. His personal values of collection, integrity, and service are reflected in everything he does-both professionally and personally.
Securities Agent: CO, MD, MA, CT, OR, NY, WI, TX, NC, ME, LA, TN, NJ, WY, SC, PA, IL, RI, MN, IN, DC, VA, OH, AZ, UT, MI, FL, GA, CA, NV, NM, ID, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2460327
NMLS#: 2460327
About Me
Jillian Holly Galfi specializes in retirement and estate planning strategies, crafting personalized financial plans that help clients reach both their short and long-term goals. With a career in financial services that began in 2006, her professional path is shaped by global experience- having previously taught in France and completed an internship at the European Parliament in Brussels. Jillian holds dual Bachelor of Arts degrees in Political Science and French from Southern Illinois University, and a master’s in international studies with a concentration in International Finance from DePaul University.
Beyond her work with clients, Jillian is deeply committed to increasing financial literacy in underserved communities across Chicagoland. Her outreach focuses particularly on women and seniors, with an emphasis on long-term care education and financial empowerment. Her work reflects a belief that financial planning is not just a service but a tool for equity, confidence, and long-term security.
Beyond her work with clients, Jillian is deeply committed to increasing financial literacy in underserved communities across Chicagoland. Her outreach focuses particularly on women and seniors, with an emphasis on long-term care education and financial empowerment. Her work reflects a belief that financial planning is not just a service but a tool for equity, confidence, and long-term security.
Securities Agent: RI, WA, OH, GA, SC, NV, MD, DC, MA, LA, IN, IL, CT, CA, WY, WI, PA, NM, NJ, ID, TN, OR, NC, MI, FL, CO, AZ, ME, VA, TX, UT, NY, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2458678
NMLS#: 2458678
Contact Daniel Strumphler
Contact Jillian Holly Galfi
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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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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
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
Ready to start a conversation? Contact The Strumphler Holly Galfi 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley’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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
9When 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley’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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
9When 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.
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)
