Stephanie H Belles
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(518) 386-2927(518) 386-2927
The Belles Rollins Irish Group at Morgan Stanley
Direct:
(518) 386-2900(518) 386-2900
Toll-Free:
(800) 438-5843(800) 438-5843
Our Mission Statement
"Building lifelong relationships with our clients based on trust, respect, and integrity while helping individuals and businesses achieve their financial goals and dreams at every stage of life."
Our Story
The Belles Rollins Irish Group focuses on helping individuals and families feel secure about their financial future, freeing them to confidently focus on their life's priorities.
Whether it's helping clients with education or retirement planning, generating income or leaving a legacy, we provide comprehensive, creative solutions for all of their financial needs.
Our team, with roots in the community, is a family practice that is now led by a second generation of advisors.
Whether it's helping clients with education or retirement planning, generating income or leaving a legacy, we provide comprehensive, creative solutions for all of their financial needs.
Our team, with roots in the community, is a family practice that is now led by a second generation of advisors.
- 2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
- Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How We Help
Creating a Plan
We start with a conversation to gain a thorough understanding of your needs, lifestyle and your goals for the future. We work with you to develop portfolio strategies to help you achieve and protect the outcomes you envision.
Addressing Your Personal Wealth
When it comes to investing your assets, our philosophy is that we may not be in control of the market, but we can control the risk we're taking.
By recommending the right solutions while monitoring progress we will always seek to do what is right and best for you.
By recommending the right solutions while monitoring progress we will always seek to do what is right and best for you.
Leaving a Legacy
Whether it's leaving wealth to future generations of loved ones or taking steps to support the causes that matter most to you, we can help coach you through your options and help give you confidence that your family's future may be secure.
Business Services
We can help manage your company's financial challenges - from growing your business today to ensuring a smooth succession tomorrow, let us provide you the knowledge and tools to make this possible.
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
We bring the resources of Morgan Stanley to the table, with time tested strategies for problem solving, portfolio management and guide our clients with life-long planning tools. We work closely with our clients other professional advisors- such as CPAs and Estate Planning attorneys- to help them build and implement their plans for financial success.
We bring the resources of Morgan Stanley to the table, with time tested strategies for problem solving, portfolio management and guide our clients with life-long planning tools. We work closely with our clients other professional advisors- such as CPAs and Estate Planning attorneys- to help them build and implement their plans for financial success.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
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. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Latest from the Team
The Belles Rollins Irish Group is committed to providing both prospects & clients the latest insight and resources available to be better informed in the current marketplace. The most current content available includes:
GIC Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Learn MoreFour Standout Investment Themes for 2025
Deglobalization, the continued evolution of AI, longevity and the future of energy could provide investment opportunities in the years ahead.
Learn MoreGIC On the Markets Monthly Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Learn More2025 Fixed Income Outlook
After a long bull market for bonds, here’s how you can navigate evolving market conditions to optimize your investment strategy for the year ahead.
Learn MoreGIC Investment Perspectives
Wealth Management Chief Investment Officer Lisa Shalett recently shared her monthly update, discussing some of the key debates in markets, plus potential risks and opportunities for investors.
Learn MoreTwo Events That Could Reshape Markets
Investors face a pivotal change in markets following the Fed’s pause on rate cuts and the news of a major Chinese AI rival. How should you invest?
Learn MoreOnline Financial Tools
Automatically categorize your spending and analyze your cash flow to help you manage where your money is going.
Learn MoreYour Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Learn MoreBig Tech May be Losing Its Luster
The “Magnificent 7” stocks are likely to continue falling out of favor as investors turn to cyclical stocks that benefit from economic growth.
Learn MoreOUR TEAM EVENTS
Social Security and the Retirement You Envision- June 25, 2024
Max McQuiston, Senior Vice President of Capital Group’s Advisor Practice Management, will provide an informational presentation on retirement planning, social security, and income during retirement.
CRC 3620436 06/2024
RSVP HERECRC 3620436 06/2024
Family Gifting Strategies and the Tax Sunset- April 12, 2024
Vanguard’s Financial Planning Coach & Strategist, Julia Fuentes, presented a client-focused presentation focused on gifting strategies, estate taxes, and the upcoming tax sunset.
CRC 6482204 03/2024
Previous InvitationCRC 6482204 03/2024
Location
1212 Troy Schenectady Road
Latham, NY 12110
US
Direct:
(518) 386-2900(518) 386-2900
Toll-Free:
(800) 438-5843(800) 438-5843
Meet The Belles Rollins Irish Group
Emily Rollins Graham, CFP®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(518) 386-2954(518) 386-2954
Mary Irish, CFP®
First Vice President, Wealth Advisor
Phone:
(518) 386-2912(518) 386-2912
Graham Irish, CRPC®, QPFC
Financial Advisor, Financial Planning Specialist
Phone:
(518) 386-2984(518) 386-2984
Michael R. Jaycox
Registered Client Service Associate
Phone:
(518) 386-2971(518) 386-2971
About Stephanie H Belles
How we can help you:
Stephanie focuses on wealth planning and in building customized financial plans and solutions for individuals and businesses.
What makes us knowledgeable:
Stephanie began her career with Smith Barney (a predecessor of Morgan Stanley) in 2005 with The Rollins Group. She found her niche and passion in helping people to plan for life's biggest goals. Stephanie went on to become a partner of the Belles Rollins Group in 2015. She holds her Series 7, 63, 65 and 31 licenses. She also holds a B.S. degree in Marketing & Management from Siena College in Loudonville, N.Y.
Getting to know us:
Stephanie and her husband, Dan, live in Loudonville with their two children, Lily and Landon. Away from the office, she primarily spends her time at ball games and gymnastics meets.
Stephanie focuses on wealth planning and in building customized financial plans and solutions for individuals and businesses.
What makes us knowledgeable:
Stephanie began her career with Smith Barney (a predecessor of Morgan Stanley) in 2005 with The Rollins Group. She found her niche and passion in helping people to plan for life's biggest goals. Stephanie went on to become a partner of the Belles Rollins Group in 2015. She holds her Series 7, 63, 65 and 31 licenses. She also holds a B.S. degree in Marketing & Management from Siena College in Loudonville, N.Y.
Getting to know us:
Stephanie and her husband, Dan, live in Loudonville with their two children, Lily and Landon. Away from the office, she primarily spends her time at ball games and gymnastics meets.
Securities Agent: ID, FL, IA, GA, CA, ME, KY, AL, VT, TX, PA, NJ, NC, NM, OH, LA, NH, IN, AK, MD, MA, WI, NV, TN, OR, DE, CT, AZ, RI, DC, VA, UT, NY, NE, MI, HI, CO, SC, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1273085
NMLS#: 1273085
About Emily Rollins Graham
How can we help you:
Emily's focuses on financial planning. She utilizes tailored strategies to create customized investment portfolios for individuals and small businesses. She believes the investments are the tools to get you to your goals.
What makes us knowledgeable:
Emily began her career at Smith Barney (a predecessor of Morgan Stanley) in 2006 joining The Rollins Group (now The Belles Rollins Group), a business founded by her parents. In 2008, she joined Sonica Capital, as an execution trader in New York City. She later accepted a position at Jefferies Group, LLC, where she led the development of a middle-market research and trading business, conducting trading for small hedge funds and large family offices.
Emily has since rejoined Morgan Stanley in 2018 as a partner of The Belles Rollins Group. She holds her Series 7, 63 and 65 licenses, has a B.A. degree from Northeastern University in Boston, MA and earned her certificate in Financial Planning from New York University. Emily is a CERTIFIED FINANCIAL PLANNER™ professional, which is one of the standards of excellence for financial planners. She has both the knowledge and the experience to help clients in virtually all areas of financial planning, taxes, insurance, estate planning strategies, and retirement. Further, Emily is a member of the Estate Planning council of Eastern New York, Inc.
Getting to know us:
Emily lives in Loudonville, NY with her husband, Taylor, and two sons, Ryder and Hunter. Outside of the office, she devotes her time to raising her family, taking care of her indoor plants, cooking, and fitness.
Emily's focuses on financial planning. She utilizes tailored strategies to create customized investment portfolios for individuals and small businesses. She believes the investments are the tools to get you to your goals.
What makes us knowledgeable:
Emily began her career at Smith Barney (a predecessor of Morgan Stanley) in 2006 joining The Rollins Group (now The Belles Rollins Group), a business founded by her parents. In 2008, she joined Sonica Capital, as an execution trader in New York City. She later accepted a position at Jefferies Group, LLC, where she led the development of a middle-market research and trading business, conducting trading for small hedge funds and large family offices.
Emily has since rejoined Morgan Stanley in 2018 as a partner of The Belles Rollins Group. She holds her Series 7, 63 and 65 licenses, has a B.A. degree from Northeastern University in Boston, MA and earned her certificate in Financial Planning from New York University. Emily is a CERTIFIED FINANCIAL PLANNER™ professional, which is one of the standards of excellence for financial planners. She has both the knowledge and the experience to help clients in virtually all areas of financial planning, taxes, insurance, estate planning strategies, and retirement. Further, Emily is a member of the Estate Planning council of Eastern New York, Inc.
Getting to know us:
Emily lives in Loudonville, NY with her husband, Taylor, and two sons, Ryder and Hunter. Outside of the office, she devotes her time to raising her family, taking care of her indoor plants, cooking, and fitness.
Securities Agent: NH, NC, AK, RI, MA, FL, AZ, TN, LA, GA, DE, MI, KY, IN, CA, VA, NV, ME, AL, WI, OH, ID, VT, OR, NM, NJ, NE, MD, DC, CT, PA, TX, HI, CO, WA, UT, SC, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1796902
NMLS#: 1796902
About Mary Irish
Mary has been a Financial Advisor since 1992 and was one of the original members of Morgan Stanley in Albany, New York. For many years Mary has reported on the stock and bond markets on WAMC Public Radio’s Mid-day Magazine, which airs daily at about 12:45.
Mary helps families, sometimes two or three generations, with their investments and other financial decisions. Mary also works with Retirement Plans and Endowments of local non-profits. She credits the long relationships she has with clients to her consistent, understandable approach to wealth management. Mary believes in the value of advice and having a sound financial plan as a road map.
Mary is a CERTIFIED FINANCIAL PLANNER™ professional. She completed the Investment Consultants Program at the Wharton School and earned the Estate Planning Consultant Certificate from the American College.
Outside of the office Mary enjoys time on Friends Lake in the Adirondacks, biking, skiing, and reading. Mary lives in Clifton Park with her husband Rick.
Mary helps families, sometimes two or three generations, with their investments and other financial decisions. Mary also works with Retirement Plans and Endowments of local non-profits. She credits the long relationships she has with clients to her consistent, understandable approach to wealth management. Mary believes in the value of advice and having a sound financial plan as a road map.
Mary is a CERTIFIED FINANCIAL PLANNER™ professional. She completed the Investment Consultants Program at the Wharton School and earned the Estate Planning Consultant Certificate from the American College.
Outside of the office Mary enjoys time on Friends Lake in the Adirondacks, biking, skiing, and reading. Mary lives in Clifton Park with her husband Rick.
Securities Agent: NV, WA, VT, OH, MA, ID, NC, MI, CT, UT, OR, NM, ME, CO, TX, HI, NJ, GA, AK, NY, KY, CA, VA, MD, IL, FL, DC, AZ, PA, NH, NE, IN, SC, WI, RI, LA, DE, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1472986
NMLS#: 1472986
About Graham Irish
Graham is a financial advisor at Morgan Stanley. Before stepping into his current role, he worked as a client service associate. Graham graduated from the University of Vermont in 2019 with a degree in Business Administration and a concentration in Finance. While at UVM, he was awarded the Major Junius Adair award for Excellence in Finance, and inducted into Beta Gamma Sigma, an exclusive business honors society.
While at Morgan Stanley, Graham has refined his knowledge on issues relating to financial planning and retirement. He holds the Chartered Retirement Planning Counselor and Qualified Plan Financial Consultant designations. He is also recognized as a Financial Planning Specialist by Morgan Stanley.
Graham is passionate about giving back to his community. He is on the board of directors of the Joan Nicole Prince Home, a hospice facility in his area. He serves on a committee for runaway and homeless youth for Captain Community Human Services. He is also the chair of a business group for the Capital Region Chamber of Commerce.
Graham lives in Schenectady, New York. In his spare time, he enjoys the outdoors and the Adirondacks. He loves to ski, hike, cook, and is an avid reader.
While at Morgan Stanley, Graham has refined his knowledge on issues relating to financial planning and retirement. He holds the Chartered Retirement Planning Counselor and Qualified Plan Financial Consultant designations. He is also recognized as a Financial Planning Specialist by Morgan Stanley.
Graham is passionate about giving back to his community. He is on the board of directors of the Joan Nicole Prince Home, a hospice facility in his area. He serves on a committee for runaway and homeless youth for Captain Community Human Services. He is also the chair of a business group for the Capital Region Chamber of Commerce.
Graham lives in Schenectady, New York. In his spare time, he enjoys the outdoors and the Adirondacks. He loves to ski, hike, cook, and is an avid reader.
Securities Agent: DC, CT, TX, OR, ME, MA, GA, AZ, NJ, VT, NH, NM, HI, CA, ID, IL, FL, WA, UT, PA, NY, MI, MD, CO, AK, VA, KY, LA, WI, NE, SC, RI, IN, NV, DE, TN, OH, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 2131714
NMLS#: 2131714
About Michael R. Jaycox
Michael joined The Belles Rollins Irish Group at Morgan Stanley in 2022. He holds a B.A. degree from The State University of New York at Oneonta and started his career in financial services within the commercial banking sector. Michael’s biggest passion is helping people across all stages of life.
Michael currently resides in Clifton Park, NY. Outside of the office, he likes to spend time weight training, furthering his education, and playing guitar.
Michael currently resides in Clifton Park, NY. Outside of the office, he likes to spend time weight training, furthering his education, and playing guitar.
Contact Stephanie H Belles
Contact Emily Rollins Graham
Contact Mary Irish
Contact Graham Irish
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Belles Rollins Irish 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 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.
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.
2Morgan 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.
3Morgan 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
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan 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.
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.
2Morgan 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.
3Morgan 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
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
