Phone:
(201) 967-6284(201) 967-6284
The Tall Oaks Group at Morgan Stanley
Direct:
(201) 967-6284(201) 967-6284
Toll-Free:
(800) 526-0829(800) 526-0829
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Us
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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
In a world that constantly changes, you may need a tailored wealth plan that can evolve with you. The Ahart Group financial advisors are here to help you bring clarity and focus on what matters most to you.
Discover -- View your comprehensive financial portrait
It is not only about where you are, but where you want to be. Once we fully understand your finances, we can help you explore hypothetical scenarios of expected and unexpected life events. You can then assess potential impacts on your goals and consider possible adjustments along the way.
Advise -- Create a wealth plan to help keep you on track
Your customized wealth plan helps you determine if you are on track to meet your goals.
- Compare hypothetical scenarios based on spending, investment strategies, etc.
- Create a proposal based on what is appropriate for your goals and risk tolerance
- Integrate Morgan Stanley's intellectual capital and our Global Investment Committee in your wealth plan
Implement -- Seeks to add value with tax-aware capabilities
Track performance -- Know where you stand
We can periodically review your spending and saving habits to track your performance and help you address unexpected shortfalls.
Discover -- View your comprehensive financial portrait
It is not only about where you are, but where you want to be. Once we fully understand your finances, we can help you explore hypothetical scenarios of expected and unexpected life events. You can then assess potential impacts on your goals and consider possible adjustments along the way.
Advise -- Create a wealth plan to help keep you on track
Your customized wealth plan helps you determine if you are on track to meet your goals.
- Compare hypothetical scenarios based on spending, investment strategies, etc.
- Create a proposal based on what is appropriate for your goals and risk tolerance
- Integrate Morgan Stanley's intellectual capital and our Global Investment Committee in your wealth plan
Implement -- Seeks to add value with tax-aware capabilities
Track performance -- Know where you stand
We can periodically review your spending and saving habits to track your performance and help you address unexpected shortfalls.
Principals
Our role as your Financial Advisors is to help you effectively manage and preserve your assets so you may take care of the people you love, spend more time pursuing the activities you enjoy, and support the causes that are most important to you and your family.
We come to work everyday devoted to earning your trust and making a real difference in your life.To that end, we are committed to the following beliefs that serve as the foundation of our practice:
We come to work everyday devoted to earning your trust and making a real difference in your life.To that end, we are committed to the following beliefs that serve as the foundation of our practice:
Integrity
Every recommendation will be focused on doing the right thing for you. I seek to help simplify your financial life, offering solutions for your consideration with unbiased, objective advice.
Deep Relationships
Developing caring and long-term relationships is a priority in our practice .
Knowledge is Power
Commitment to ongoing and proactive education. Financial education leads to better insights into my investment strategy and discipline, and ultimately, better results.
Comprehensive Wealth Management
All of your assets can be integrated into a thoughtful plan to ensure they are working together to meet your overall goals.
Service Excellence
You deserve financial advisors who share your vision, earns your trust, and works diligently to create a customized financial road map aimed at achieving success. We are dedicated to deeply listening and understanding your goals, so we can articulate the action steps needed to address your specific financial challenges.
Advice Matters
We believe that the advice we provide to our clients should be tailored to each individual client and family to fit their unique needs. We encounter complex circumstances daily, and we are well equipped to help you take hold of your financial picture.
Sound Advice, For You
- Providing exceptional insight
- Tailored to your needs
Digital Tools
Morgan Stanley Online (MSO)
Allows you to conveniently and securely manage your account online or on your mobile device.
Click here to learn more
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. The Mobile App also offers features to help simplify your everyday finances including mobile check deposit and Send Money with Zelle, the new and convenient way to send and receive money.
Check out ways to use the app
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Click here to sign into MSO and sign up
Safe and Secure Data Access
Our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
Click here to learn more about how we protect you
Total Wealth View
As a Morgan Stanley client, you can now view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App. With full visibility of your assets and liabilities all in one place, you and I can obtain a comprehensive view of your total wealth to help you track your goals or start planning for your future using cutting-edge technology.
Click here to learn more about Total Wealth View
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
Click here to learn more and sign up
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
To learn more, watch this videoLocation
61 South Paramus Road, 3rd
Fl
Paramus, NJ 07652
US
Direct:
(201) 967-6284(201) 967-6284
Toll-Free:
(800) 526-0829(800) 526-0829
Meet The Tall Oaks Group
Phone:
(201) 967-3346(201) 967-3346
Phone:
(201) 967-6765(201) 967-6765
Rebecca (Becky) Cortese
Portfolio Associate
About John P Ahart
John P. Ahart, Financial Advisor and Senior Portfolio Management Director, entered the financial advisory business in 1988 by joining the Paramus, New Jersey office of Morgan Stanley (and predecessors), where he still enjoys working today. During this time, John has focused on providing clients with value-oriented comprehensive financial advice.
From 1984 to 1988, John worked as a Certified Public Accountant for Price Waterhouse, where he developed an extensive working knowledge of the principals of accounting, taxation, and financial statement construction. His professional background enables him to directly participate in the discretionary management of client portfolios, and is the foundation of his long-term investment discipline.
John obtained a B. A. in Accounting - Phi Beta Kappa, and with High Honors - from Rutgers University in 1984.
John currently holds Series 7, Series 63, Series 65 and Series 3 Licenses. John is also Variable Annuity, Health & Life Insurance Licensed
From 1984 to 1988, John worked as a Certified Public Accountant for Price Waterhouse, where he developed an extensive working knowledge of the principals of accounting, taxation, and financial statement construction. His professional background enables him to directly participate in the discretionary management of client portfolios, and is the foundation of his long-term investment discipline.
John obtained a B. A. in Accounting - Phi Beta Kappa, and with High Honors - from Rutgers University in 1984.
John currently holds Series 7, Series 63, Series 65 and Series 3 Licenses. John is also Variable Annuity, Health & Life Insurance Licensed
Securities Agent: MO, MI, UT, NM, NJ, IN, KY, KS, IA, VT, PA, OH, MT, RI, NY, NH, NC, MN, FL, CA, AL, GA, CT, VA, TX, SD, MD, MA, IL, WY, WA, NV, DE, CO, SC, DC, WI, OR, ME, AZ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1290689
NMLS#: 1290689
About Lisa Mulcahy
Lisa has been a vital member of the Ahart Group since joining the team in 2016. She works directly with clients to help understand and articulate their specific financial goals, so she can develop customized and comprehensive financial plans that reflect their objectives.
Prior to joining Morgan Stanley, Lisa entered the financial advisory business in 1984 by joining E.F. Hutton & Company. From there, she moved to Merrill Lynch in 1985 where she remained for 28 years before joining Morgan Stanley in 2014.
Lisa currently holds Series 7, Series 63 and Series 66 Licenses
Prior to joining Morgan Stanley, Lisa entered the financial advisory business in 1984 by joining E.F. Hutton & Company. From there, she moved to Merrill Lynch in 1985 where she remained for 28 years before joining Morgan Stanley in 2014.
Lisa currently holds Series 7, Series 63 and Series 66 Licenses
Securities Agent: NC, GA, UT, NM, ME, MA, KY, CT, NY, MD, CO, MN, WY, WI, TX, SD, SC, NJ, MT, MO, DE, AZ, KS, DC, AL, VA, NV, WA, VT, OH, CA, RI, MI, IN, IL, FL, PA, OR, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1622258
NMLS#: 1622258
About Gregory J Libby
Securities Agent: TX, NC, MO, ME, FL, CA, AL, WI, IN, WA, VT, UT, NY, MN, CO, SD, NJ, MI, MD, KY, KS, GA, AZ, OK, NV, CT, RI, OH, MA, DE, WY, DC, SC, PA, OR, NM, MT, IL, VA, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1395583
NMLS#: 1395583
About Rebecca (Becky) Cortese
Drawing on more than 20 years of industry experience at Morgan Stanley (formerly Smith Barney), Becky is the first line of contact on a broad array of client-specific services, including new client onboarding, processing requests and transfers, and day-to-day administrative operations. Highly adept at answering client questions quickly and efficiently, Becky is dedicated to providing excellent service. She not only knows how to meet each client’s specific needs, she knows how to anticipate them as well. Her patience and industry experience provide clients with confidence in addressing their financial decisions. She is committed to offering world class services to all clients.
Becky currently holds series 7 and Series 63 Licenses
Becky currently holds series 7 and Series 63 Licenses
Contact John P Ahart
Contact Lisa Mulcahy
Contact Gregory J Libby
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
Don Janevski
Private Banker
Mary Beth Powers
Trust Specialist
Jake Barone
Planning Associate
About Don Janevski
Don Janevski is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
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.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
NMLS#: 197095
About Mary Beth Powers
Mary Beth Powers is Executive Director and Trust Specialist for Morgan Stanley covering the New York Metro region, responsible for presenting Morgan Stanley’s third-party trustee partner platform to Morgan Stanley Wealth Management Financial Advisors, clients and prospects. Leveraging the capabilities of our trust company partners, Mary Beth assists to identify appropriate fiduciary solutions, which are essential to the management, preservation and transfer of accumulated wealth. This process includes coordination with the client’s financial, legal and tax advisors to ensure proper trust planning implementation.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
About Jake Barone
Jake Barone is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial 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 options and their potential outcomes to help clients confidently choose the appropriate course of action. Jake 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 The University of Rhode Island and received the Financial Planning Specialist® designation from the College for Financial Planning. Jake is originally from New York and currently resides in Monroe, New York.
He earned his undergraduate degree from The University of Rhode Island and received the Financial Planning Specialist® designation from the College for Financial Planning. Jake is originally from New York and currently resides in Monroe, New York.
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 Tall Oaks Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6When 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6When 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)
