Phone:
(401) 845-3501(401) 845-3501
The Sweeney Group at Morgan Stanley
Direct:
(401) 849-6300(401) 849-6300
Our Mission Statement
Striving to empower our clients to meet their financial goals and aspirations through intellectual capital, exceptional service and investment management.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
1. Introduction
We begin with a conversation and listen carefully to understand what is important to you, your family and your future. We identify circumstances unique to your situation and their potential financial implications and determine how we can add value. This is your opportunity to interview us, as we get to know you. Should we agree to move forward, we will schedule our next meeting and request more detailed information.
2. Discovery
We continue our conversation, learning about you, your family and the complexities surrounding your wealth. We ask about your personal bucket list, your core values and how you make decisions. What we learn helps us formulate specific strategies, while helping us customize a relationship that serves your preferences and requirements.
3. Analysis & Plan Development
We look at both sides of your balance sheet – including all current assets and liabilities – to determine how to best position your portfolio moving forward. We then utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow, preserve and transfer your wealth. This serves as the foundation for building your initial plan, as well as future decisions.
Learn More About Our Goal-Based Planning Process
4. Plan Presentation
In this step, we present your financial plan, which includes an investment portfolio that aligns your investments with your goals and timeframes. We also discuss other wealth management solutions that may include family dynamics, estate planning, and philanthropic giving strategies.
5. Implementation
Upon your approval of our recommendations, we begin to implement the strategies outlined in the plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, we walk you through the details of your new statement and introduce all of the tools and resources now available to you.
Ongoing Monitoring & Personal Service
Committed to a first-class experience, we focus on developing longstanding relationships that can provide value to you and your family. We speak with you regularly to see how you and your family are doing. Most importantly, we provide ongoing monitoring of your investments in coordination with ongoing monitoring of your plan and progress towards each of your goals, adjusting your financial plan and investments accordingly as changes in your life occur. To us, a good financial plan is one that evolves with your life and your changing priorities.
Ongoing financial education is a vital element of my practice. It leads to better insights into our strategies and disciplines, and ultimately, better long-term decisions. The following resources reinforce the fundamental pillars of my practice and provide valuable information to help manage your money more effectively in today's global financial world.
Wealth Management
Wealth management brings all the dimensions of your life together into an organized and holistic strategy that reflects who you are, where you want to go and how to get you there. From investment management to legacy planning and everything in between, our consultative approach provides all the solutions and services needed to achieve your life goals.
Wealth Management Portfolio Insights
Wealth Consulting
As your wealth grows, so does its complexities. We listen carefully to understand how you feel about important financial topics. Understanding your deepest concerns enables us to provide customized advice in a way that respects the values, relationships and priorities that make your life unique.
Why Advice Matters
Investment Management
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 personalized strategy that applies long-held investment principles to help your assets appreciate appropriately, generate income when needed, and reduce current and future taxation.
Market Trends
Education Funding
Meeting the educational costs of children and grandchildren may be one of the most personal fulfilling investments you can make. We can help you access appropriate investment vehicles and determine the best strategies for achieving this goal.
Education Planning Center
Cash Management
Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
CashPlus: A Modern Alternative to Banking
Socially Responsible Investing
Many investors today seek meaningful ways to create positive economic, social and environmental impact through the investments they make in their portfolio. Sustainable Investing focuses on aligning financial goals – which are driven by economic fundamentals – with impact goals – which are driven by personal values and mission. We can help you integrate these themes into your investment strategy.
Investing With Impact
Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Retirement Planning
Philanthropic Services
Many successful people seek opportunities to support cultural and educational institutions, as well as nonprofit organizations. I will help you analyze and implement a strategy that benefits the causes you care most about, while managing your overall portfolio in a tax-advantaged manner.
Tax-Efficient Charitable Giving Strategies
Estate Planning Services
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.
Legacy Trusts & Estate PlanningManaging Your Money In The 21st Century
We are proud to work at Morgan Stanley, a global leader in financial services with a long history of putting the needs of clients first. Our firm strives to ensure that its technology platforms are resilient, safe, efficient, smart, fast and flexible. As a part of our services, these resources are readily available to our clients. We would be glad to assist you in signing up or learning more about any of these services.
Morgan Stanley Online (MSO)
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit Our Security Center
Total Wealth View
View all your external financial accounts directly in MSO or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access, and convenient connectivity.
Learn MoreLocation
284 Bellevue Ave
Newport, RI 02840
US
Direct:
(401) 849-6300(401) 849-6300
Meet The Sweeney Group
Phone:
(401) 845-3514(401) 845-3514
Jessica R. Coriander
Client Service Associate
Phone:
(401) 845-3520(401) 845-3520
About Patrick M Sweeney
Patrick has been a dedicated wealth management professional since 1991. With a strong foundation in Accounting and extensive training in financial services, he provides comprehensive financial planning and asset management solutions to his clients. Patrick holds his Series 7, Series 63, Series 65, Series 31, state insurance, and national mortgage licenses. Additionally, he holds the Morgan Stanley Financial Planning Specialist designation.
A fourth-generation Newport, Rhode Island native, Patrick returned to his hometown in 2005 after working at the Smith Barney mega branch in Boston. He is married with three children and is actively involved in the local community, enjoying the area's many activities and attractions.
Through a variety of collaborative efforts, he is highly engaged in helping create a better and brighter future. Individually and collectively, he has served on a number of local boards and organizations within the community:
- Hazards Beach Association
- Ida Lewis Yacht Club
- Redwood Library
- Anthony's Cystic Fibrosis Chapter of Rhode Island
In his free time, Patrick enjoys staying active and connected to the outdoors.. He holds a U.S Merchant Marine license and enjoys fishing, skiing, and hiking in the Northwoods of Maine and Alaska.
A fourth-generation Newport, Rhode Island native, Patrick returned to his hometown in 2005 after working at the Smith Barney mega branch in Boston. He is married with three children and is actively involved in the local community, enjoying the area's many activities and attractions.
Through a variety of collaborative efforts, he is highly engaged in helping create a better and brighter future. Individually and collectively, he has served on a number of local boards and organizations within the community:
- Hazards Beach Association
- Ida Lewis Yacht Club
- Redwood Library
- Anthony's Cystic Fibrosis Chapter of Rhode Island
In his free time, Patrick enjoys staying active and connected to the outdoors.. He holds a U.S Merchant Marine license and enjoys fishing, skiing, and hiking in the Northwoods of Maine and Alaska.
Securities Agent: WI, MO, VT, OK, IN, AZ, AK, FL, DC, CT, HI, CA, CO, TX, TN, SC, PA, NY, NC, MD, IL, WA, ME, ID, AL, UT, OH, MT, VA, NJ, NH, MN, MI, DE, RI, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275742
NMLS#: 1275742
About Katelyn Goodwin
Katelyn is a dedicated Financial Advisor at Morgan Stanley, providing exceptional white-glove personal service and world class advice to build long-term relationships with her clients. She exemplifies the firm's core values of doing the right thing, putting clients first, leading with exceptional ideas, committing to diversity and inclusion, and giving back to the community.
Prior to joining Morgan Stanley, Katelyn served as Vice President in the Executive Office at Goldman Sachs headquarters in New York City. In this role, she was instrumental in advancing strategic initiatives and leadership development, consistently demonstrating a commitment to excellence and innovation.
Katelyn brings a diverse background to her financial career, having previously worked in the entertainment industry at Sony Music Entertainment. This rare experience enriches her approach to financial advising, allowing her to leverage creativity and strategic thinking to help meet her clients' needs.
Passionate about empowering women and girls to increase their financial confidence, Katelyn is committed to providing resources and guidance that inspire confidence and informed decision-making focused on financial literacy and independence.
Committed to fostering an inclusive work environment, Katelyn actively engages in initiatives that promote diversity and community involvement. She is dedicated to building deep relationships based on trust and integrity, helping to ensure that every client experiences the highest possible level of personalized service and care.
Prior to joining Morgan Stanley, Katelyn served as Vice President in the Executive Office at Goldman Sachs headquarters in New York City. In this role, she was instrumental in advancing strategic initiatives and leadership development, consistently demonstrating a commitment to excellence and innovation.
Katelyn brings a diverse background to her financial career, having previously worked in the entertainment industry at Sony Music Entertainment. This rare experience enriches her approach to financial advising, allowing her to leverage creativity and strategic thinking to help meet her clients' needs.
Passionate about empowering women and girls to increase their financial confidence, Katelyn is committed to providing resources and guidance that inspire confidence and informed decision-making focused on financial literacy and independence.
Committed to fostering an inclusive work environment, Katelyn actively engages in initiatives that promote diversity and community involvement. She is dedicated to building deep relationships based on trust and integrity, helping to ensure that every client experiences the highest possible level of personalized service and care.
Securities Agent: UT, SC, CT, WI, RI, DE, TX, NJ, MN, DC, CA, NC, VA, NH, FL, MI, AZ, VT, TN, ID, AK, NY, WA, PA, HI, CO, MD, MT, MO, MA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2631787
NMLS#: 2631787
Contact Patrick M Sweeney
Contact Katelyn Goodwin
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
Evan J. Patterson
Private Banker
Giancarlo Pannone, CFP®
Financial Planning Director, Vice President
About Evan J. Patterson
Evan Patterson is a Private Banker serving Morgan Stanley Wealth Management offices in Rhode Island, Massachusetts and 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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinema, reading books, and listening to vinyl records.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinema, reading books, and listening to vinyl records.
NMLS#: 800467
About Giancarlo Pannone
Giancarlo Pannone is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Rhode Island and Massachusetts. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Giancarlo began his career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to his current position, he gained extensive experience in the industry as a Financial Advisor for Merrill Lynch and Raymond James.
Giancarlo graduated from Rhode Island College and holds his Certified Financial Planner® designation. Giancarlo lives in Wakefield, RI with his wife Katie. Outside of work, Giancarlo enjoys surfing, hiking, snowboarding, and the occasional DIY home project.
Giancarlo began his career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to his current position, he gained extensive experience in the industry as a Financial Advisor for Merrill Lynch and Raymond James.
Giancarlo graduated from Rhode Island College and holds his Certified Financial Planner® designation. Giancarlo lives in Wakefield, RI with his wife Katie. Outside of work, Giancarlo enjoys surfing, hiking, snowboarding, and the occasional DIY home project.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Sweeney Group today.
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.
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.
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 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 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.
7When 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.
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
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
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.
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.
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 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 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.
7When 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.
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
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)
