Jeffrey Sussman, CFP®, CRPC®
Vice President, Financial Advisor
Phone:
(212) 503-1168(212) 503-1168
The Sussman Fowlkes Group at Morgan Stanley
Direct:
(212) 503-1168(212) 503-1168
Toll-Free:
(800) 323-7788(800) 323-7788
Our Mission Statement
Working with families, corporate executives, and business owners to help them do more with their wealth today while building and preserving their legacy for tomorrow.
Our Story and Services
Solving Financial Complexity
Through Customized Solutions
We serve an exceptional group of people, all having a unique wealth creation story. Many are busy professionals pursuing greater balance in their lives. Others are in or approaching retirement and want to maintain their current lifestyle. Still others are successful business owners seeking smart strategies to enhance the benefit programs they offer their executives and employees.
Every one of our clients believes – as we do – in the importance of building longstanding relationships. We make it a priority to be your advocate, empowering you to be confident in your decisions so you have more time to focus on your family, your career or business, and your future. We do this through the development of a holistic financial plan that serves as a personalized blueprint for your finances now and for the years ahead.
As experienced wealth management advisors, we have a responsibility to do what’s right for you, your family and your business. Working together, we review all aspects of your life to create a customized strategy that is designed to help you to do more with your wealth today, while building and preserving your legacy for tomorrow.
We are proud of the highest standard of care we have been providing our clients for years and welcome the opportunity to deliver this same level of excellence to you and your family.
We look forward to speaking with you soon.
Through Customized Solutions
We serve an exceptional group of people, all having a unique wealth creation story. Many are busy professionals pursuing greater balance in their lives. Others are in or approaching retirement and want to maintain their current lifestyle. Still others are successful business owners seeking smart strategies to enhance the benefit programs they offer their executives and employees.
Every one of our clients believes – as we do – in the importance of building longstanding relationships. We make it a priority to be your advocate, empowering you to be confident in your decisions so you have more time to focus on your family, your career or business, and your future. We do this through the development of a holistic financial plan that serves as a personalized blueprint for your finances now and for the years ahead.
As experienced wealth management advisors, we have a responsibility to do what’s right for you, your family and your business. Working together, we review all aspects of your life to create a customized strategy that is designed to help you to do more with your wealth today, while building and preserving your legacy for tomorrow.
We are proud of the highest standard of care we have been providing our clients for years and welcome the opportunity to deliver this same level of excellence to you and your family.
We look forward to speaking with you soon.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Asset Management
- Retirement PlanningFootnote3
- Executive Benefit ServicesFootnote4
- Business Succession PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Cash Management and Lending ProductsFootnote7
- Planning for Education FundingFootnote8
- Life InsuranceFootnote9
- Alternative InvestmentsFootnote10
- Sustainable InvestingFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Why Clients Hire Us
Our team delivers a highly personalized financial experience. Leading with exceptional and innovative ideas has enabled us to help countless families navigate their complex financial situations. We have identified 4 primary reasons why clients choose to partner with us:
1. Investment Expertise
Our team combines the vast resources of the Morgan Stanley Global Investment Committee with a broad array of third-party, best-in-class investment strategies. These streamlined quantitative programs allow us to simplify the decision-making process when advising clients.
2. Best Practice Sharing
Sharing best practices has resulted in a deep understanding of the pre/post liquidity planning and partnerships which clients require.
3. Conflict-Free
As a fiduciary to our clients, we are tasked with having their best interests in mind at all times.
4. Commitment to My Clients
No client is the same: it’s why our team takes time to listen to you. Listening and having a deep understanding of your situation allows for us to provide solutions specifically tailored to you.
Personalized Solutions
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so together we can map out a game plan to help achieve your goals and priorities.
Financial Planning
Financial planning brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours. We also help you manage a life-changing event with confidence, such as the sale of a business, divorce or loss of a spouse.
Risk Management / Insurance
Life’s risks can manifest themselves in many ways -- from loss of life to loss of health – and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively help address these concerns in a number of ways, ranging from insurance reviews to liquidity strategies.
Investments
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
Estate Planning Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Executive Financial Services
We have extensive experience assisting corporate executives in a broad range of specialized services – from company stock trading and complying with SEC regulations to deferred compensation plans, separating from service and rolling over retirement plan assets. We develop a customized plan that addresses your goals and can adapt as you approach retirement, consider changing companies or experience major life events that require reprioritization.
Business Succession Planning
Owning a business represent years, if not decades, of hard work and entrepreneurial savvy. Yet, even the most astute business owners are often unfamiliar with the complexities that go into a successful succession strategy. We understand your succession in the context of your overall financial picture. We also work closely with your other financial advisors to help ensure your priorities are reflected in your succession strategy. We have also significant experience in succession planning for agri-businesses.
Valuable Tools and Resources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Thoughts On The Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the Latest Episode
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Learn More About Spending and Budgeting
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Listen to the Latest Episode
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 (MSO) may enroll in eDelivery.
Learn More About eDelivery
Now, What's Next? Podcast
The pandemic has altered the world we live in. But what does life after a global pandemic look like? Sonari Glinton makes sense of how the world continues to evolve in the face of a global crisis, and the rare chance it gives us to rethink our assumptions.
Listen to the Latest Episode
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life’s most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Learn More About Digital Vault
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest ReportWe Go the Extra Mile
We believe successful wealth management is a process, not an event. As a result, we have built a personalized, first-class service experience that is based on continuous service, mutual understanding of goals and direction, and ongoing relationship building.
Liquidity Event
Selling a business should be the reward for years of entrepreneurial savvy and hard work. Here’s how to make the process go smoothly.
Preparing for the Transaction of a Lifetime
Monetizing Your Business
4 million privately held businesses are set to change hands in the next decade, but 75% of those business owners do not have an exit plan. A common mistake of business owners is entertaining the first offer they receive on a business. Learn about best practices when considering to sell your business.
Watch Here
Your Workforce
We believe there’s no better investment your company can make than in your employees. When they work at their best, so does your business. That’s why Morgan Stanley at Work delivers workplace financial solutions that can help employees build financial confidence and help you attract and retain top talent.
Morgan Stanley at Work
Retirement Solutions
For your employees, retirement is more than a date in the future – it’s a milestone that takes time, hard work and the right tools to achieve. Morgan Stanley at Work provides plan sponsors with a comprehensive suite of solutions and investment experience that helps your employees maximize their potential to reach their long-term goals.
Morgan Stanley at WorkLocation
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 503-1168(212) 503-1168
Toll-Free:
(800) 323-7788(800) 323-7788
Fax:
(212) 503-1166(212) 503-1166
Meet The Sussman Fowlkes Group
About Jeffrey Sussman
Jeffrey Sussman began his career in Private Wealth Management at UBS Financial Services in 2011. In 2014 he joined Merrill Lynch as a Wealth Management Advisor before starting his current team at Morgan Stanley.
Jeffrey is a founding partner of The Sussman Fowlkes Group at Morgan Stanley. In addition to being a qualified Senior Portfolio Advisor, Jeffrey is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and also holds the Chartered Retirement Planning Counselor (CRPC®) designation. Jeffrey and his team dedicate themselves to delivering a high level of services to clients by helping them achieve their overall financial planning objectives while providing them with ongoing guidance to meet their goals.
Jeffrey focuses on various wealth management services for both individual and
institutional clients such as personalized investment strategies, retirement planning, investment proposal analysis, corporate retirement plan services & corporate executive compensation. Along with focusing on individual financial goals analysis, Jeffrey also helps structure strategic wealth portfolios for various foundation and charitable organizations.
Jeffrey graduated from Towson University with a degree in Finance. He grew up in Connecticut and currently resides in Manhattan. He is an avid football and boxing fan.
Jeffrey is a founding partner of The Sussman Fowlkes Group at Morgan Stanley. In addition to being a qualified Senior Portfolio Advisor, Jeffrey is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and also holds the Chartered Retirement Planning Counselor (CRPC®) designation. Jeffrey and his team dedicate themselves to delivering a high level of services to clients by helping them achieve their overall financial planning objectives while providing them with ongoing guidance to meet their goals.
Jeffrey focuses on various wealth management services for both individual and
institutional clients such as personalized investment strategies, retirement planning, investment proposal analysis, corporate retirement plan services & corporate executive compensation. Along with focusing on individual financial goals analysis, Jeffrey also helps structure strategic wealth portfolios for various foundation and charitable organizations.
Jeffrey graduated from Towson University with a degree in Finance. He grew up in Connecticut and currently resides in Manhattan. He is an avid football and boxing fan.
Securities Agent: NE, MI, MD, TX, MT, HI, GA, AZ, VT, TN, SD, MN, MA, IL, WI, NV, FL, CA, AL, WY, PA, NJ, SC, CO, VA, NC, NY, KY, CT, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1235301
NMLS#: 1235301
About Bryan Fowlkes
Bryan has dedicated his career to serving the specialized needs of successful professionals, business leaders and families living in the tri-state New York area and around the country. For over 22 years, he has been providing personalized advice through a disciplined wealth management approach. He focuses on what is most important to each client, so he can develop a customized plan to help build, preserve and transition their wealth.
Finance has always been a part of Bryan’s life. He enjoys studying the history of the financial markets, gleaning insights from the past to gain perspective on the current market environment.
He is a graduate of Montclair University and earned his Master’s degree from Boston University with a double major in Banking and Financial Services Management. In 2013, Bryan earned his Chartered Retirement Planning Counselor® (CRPC®) designation from the College for Financial Planning and he has worked at both Morgan Stanley and Merrill Lynch as a Financial Advisor.
Bryan enjoys working with like-minded clients who value and appreciate the level of skill and service he and his colleagues deliver. His comprehensive process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan and investment portfolio that reflects each client’s goals for the future.
Today, Bryan enjoys serving his clients and becoming their “go to” person for anything financial. He and his family reside in New Jersey where they are active in their community. Outside of the office, Bryan enjoys travelling, studying history of the financial markets, and spending time in his home theatre with family and friends.
Finance has always been a part of Bryan’s life. He enjoys studying the history of the financial markets, gleaning insights from the past to gain perspective on the current market environment.
He is a graduate of Montclair University and earned his Master’s degree from Boston University with a double major in Banking and Financial Services Management. In 2013, Bryan earned his Chartered Retirement Planning Counselor® (CRPC®) designation from the College for Financial Planning and he has worked at both Morgan Stanley and Merrill Lynch as a Financial Advisor.
Bryan enjoys working with like-minded clients who value and appreciate the level of skill and service he and his colleagues deliver. His comprehensive process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan and investment portfolio that reflects each client’s goals for the future.
Today, Bryan enjoys serving his clients and becoming their “go to” person for anything financial. He and his family reside in New Jersey where they are active in their community. Outside of the office, Bryan enjoys travelling, studying history of the financial markets, and spending time in his home theatre with family and friends.
Securities Agent: HI, CT, AL, NV, MI, FL, CO, AZ, NE, SD, TN, NH, MT, MN, PA, CA, SC, NC, VA, NY, MA, KY, GA, WY, WI, VT, TX, NJ, MD, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 801497
NMLS#: 801497
About Michael Aldorasi
Michael Aldorasi is a Registered Client Service Associate at The Sussman Fowlkes Group at Morgan Stanley. Michael works diligently to provide all of our team’s clients with a high level of service.
Michael’s areas of focus includes onboarding new clients, assisting clients with operational and account maintenance such as fund transfers, account setup and online access, meeting scheduling and addressing any client inquiries.
Michael remains dedicated to continue to surpass expectations by being part of a team that demands seamless service for our clients and helping them reach their individual goals.
Michael graduated from Pace University’s Lubin School of Business in 2019 and maintains a FINRA Series 7 and Series 66 license. He was born and raised in Staten Island, New York. Michael enjoys spending time with family and friends, watching and playing basketball, studying trends in the market and staying active.
Michael’s areas of focus includes onboarding new clients, assisting clients with operational and account maintenance such as fund transfers, account setup and online access, meeting scheduling and addressing any client inquiries.
Michael remains dedicated to continue to surpass expectations by being part of a team that demands seamless service for our clients and helping them reach their individual goals.
Michael graduated from Pace University’s Lubin School of Business in 2019 and maintains a FINRA Series 7 and Series 66 license. He was born and raised in Staten Island, New York. Michael enjoys spending time with family and friends, watching and playing basketball, studying trends in the market and staying active.
Contact Jeffrey Sussman
Contact Bryan Fowlkes
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Jane Tarnovsky
Private Banker
Michael Catuogno
Planning Associate
About Jane Tarnovsky
Jane Tarnovsky is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jane began her career in financial services in 2004, and joined Morgan Stanley in 2014 as an Interest Rate Derivatives Trade Support Director in Morgan Stanley’s ISG division. Prior to joining the firm, she was in Operations at JVB Financial and an Associate Manager at Prudential Financial.
Jane is a graduate of Rutgers University, where she received a Bachelor of Science in Finance and a Master of Business Administration in Finance. She lives in Brooklyn, New York with her family. Outside of the office, Jane is involved in her community and enjoys working out, cooking, traveling, gardening, and photography.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jane began her career in financial services in 2004, and joined Morgan Stanley in 2014 as an Interest Rate Derivatives Trade Support Director in Morgan Stanley’s ISG division. Prior to joining the firm, she was in Operations at JVB Financial and an Associate Manager at Prudential Financial.
Jane is a graduate of Rutgers University, where she received a Bachelor of Science in Finance and a Master of Business Administration in Finance. She lives in Brooklyn, New York with her family. Outside of the office, Jane is involved in her community and enjoys working out, cooking, traveling, gardening, and photography.
NMLS#: 2226056
About Michael Catuogno
Michael Catuogno is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Michael provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Sacred Heart University and received the Financial Planning Specialist® designation from the College for Financial Planning. Michael is originally from the Bronx, NY and currently resides in the Bronx, NY.
He earned his undergraduate degree from Sacred Heart University and received the Financial Planning Specialist® designation from the College for Financial Planning. Michael is originally from the Bronx, NY and currently resides in the Bronx, NY.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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.
Ready to start a conversation? Contact The Sussman Fowlkes Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
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 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
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 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
