Nikolai Taylor
Senior Vice President, Wealth Management
Phone:
(212) 503-1812(212) 503-1812
The Taylor Martoral Group at Morgan Stanley
Direct:
(212) 503-1812(212) 503-1812
Toll-Free:
(800) 323-7788(800) 323-7788
Our Mission Statement
Protect > Plan > Prosper
Wealth management predicated on rationality and reliability.
A distinctive discipline of preservation, income, and total return strategies through interest compounding and volatility management.
Comprehensive financial analysis and planning, strategy education, performance tracking, and consistent objectives review.
Wealth management predicated on rationality and reliability.
A distinctive discipline of preservation, income, and total return strategies through interest compounding and volatility management.
Comprehensive financial analysis and planning, strategy education, performance tracking, and consistent objectives review.
Seasoned Perspective
Over the past 30 years, there has been a profound shift in prevailing guidance.
We feel that financial planning has become too complex and we do not align with the unprecedented emphasis on equities to help achieve finite short-term, long-term, and retirement objectives. Risk solutions based on assumptions of future performance are unreliable and don't factor variable annual returns which can lead to asset erosion, even in the best of times.
We provide clarity. We seek simplicity in balance sheets using straightforward math to set realistic and resolute goals. We customize solutions designed to weather any economic environment in a comprehensive investment strategy centered around a foundation of fixed returns. And we can analyze most competing strategies over varying periods of long-term market performance history, a critical but rarely pursued step to assess plan viability.
Our rationality is what sets us apart.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Systemic Wealth Management
A comprehensive process for planning, managing, analyzing, and educating that integrates all relevant aspects of financial life and knowledge.
- Discovery (comprehensive initial examination of all aspects of life that impact finances)
- Balance Sheet (custom excel data input to create a cohesive linear vision)
- Intention (identify short/intermediate-term objectives and establish a long-term retirement goal)
- Mission Statement (develop a written financial plan and outline a strategic path forward)
- Implementation (portfolio construction in line with objectives)
- Management (perpetual strategy mechanics execution)
- Round Table (periodic reciprocal plan review with any relevant advising parties - accountants, estate lawyers, etc..)
- Education (formal strategy lessons to empower fluid mechanics understanding)
- Quarterly Review (balance sheet update, plan assessment, and detailed portfolio metrics + performance analysis)
- Information Flow (prompt alerts to meaningul news or market movements + occasional formal insight sharing)
Daily Liquidity
Morgan Stanley's Preferred Savings Program, for qualifying cash, offers one of the most competitive alternatives available for cash reserves today.
- 3.35% APY (rate may adjust at any time in accordance with prevailing rates)
- Two Banks (cash can be held at either Morgan Stanley Private Bank, National Association (MSPBNA) and/or at Morgan Stanley Bank, N.A. (MSBNA))
- FDIC Insurance (up to twice the standard limits across both banks)
- Minimum Deposit: $1,000
- Same Day Liquidity
- Auto Interest Reinvest
Short-Term Horizon
For cash alternative goals with specific length of time parameters between 6 months and 5 years, we are experts at uncovering yield value premium relative to current money market rates and constructing short ladders of defined durations among the following top grade fixed income instruments:
- Certificates Of Deposit (within applicable FDIC insurance limits)
- Agency Bonds (backed by the full faith and credit of the federal government)
- US Treasury Bills + Notes
- AA - AAA Rated Corporate + Municipal Bonds
TTMG Strategic Bond Ladder
A perpetual portfolio designed to weather varying economic conditions and deliver long-term stability, steady income, and incremental growth.
Base Structure
- 50-60 Individual Bonds
- Corporate, Municipal, + Agency Debt
- Staggered Maturities
- Investment Grade Credit Quality
- Diversified Sector + Regional Exposure
- Fixed Annual Yield
Mechanics
- Income Distribution (periodic interest disbursements for those seeking predictable cash flow)
- Interest Compounding (unused ladder income reinvestment to increase portfolio basis and net annual yield)
- Redemption Cycling (strategic redeployment of called or matured bonds to maintain ladder integrity)
- Rates Fall (capitalization of mid-life bond gain volatility to increase portfolio basis and preserve net annual yield)
- Rates Rise (leveraging of mid-life bond decline volatility to increase net annual yield without compromising basis)
- Inverted Curve (reducing ladder duration while maintaining basis and either preserving or increasing net annual yield)
- Sector Volatility (opportunity management when a specific sector moves independently from the overall bond market)
- Risk Analysis (consistent meticulous credit quality assessment and prudent mitigation)
Location
55 East 52nd Street 10th
New York, NY 10055
US
Direct:
(212) 503-1812(212) 503-1812
Toll-Free:
(800) 323-7788(800) 323-7788
Meet The Taylor Martoral Group
José Martoral
Financial Advisor
Phone:
(212) 503-1811(212) 503-1811
Debra Triano, Senior Client Service Associate
Phone:
(212) 503-1118(212) 503-1118
About Nikolai Taylor
Securities Agent: NC, MN, TN, MA, CA, NV, FL, ME, AZ, TX, NJ, NY, WA, DE, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1326126
NMLS#: 1326126
About José Martoral
Securities Agent: MA, TX, FL, WA, TN, NC, MN, ME, NY, NJ, DE, CA, NV, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1680908
NMLS#: 1680908
Contact Nikolai Taylor
Contact José Martoral
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
Amanda Moran
Executive Director, Head of WM Taxable Fixed Income Sales
Gillian Sheeran
Executive Director, Co-Head Wealth Management Municipal Sales
Jane Tarnovsky
Private Banker
About Amanda Moran
Amanda Moran, Executive Director, Head of WM Taxable Fixed Income Sales, joined The Firm in 2020 and brings a wealth of experience and expertise to her role. As Head of Taxable Fixed Income Sales, Amanda manages a team responsible for delivering The Firm’s strategy and commentary, providing timely market updates, communicating actionable trade ideas specifically tailored to UHNW investors, and offering product-related training across the full spectrum of taxable fixed income securities including corporate, Treasury, agency, and mortgage-backed bonds. In addition to her managerial responsibilities, Amanda covers the NYC market.
Prior to joining Morgan Stanley, Amanda was at Donaldson, Lufkin, & Jenrette (DLJ) then Credit Suisse as part of the Fixed Income Sales Team in the Leverage Loan Group.
Amanda earned a B.A. in Political Science from The University of the South (Sewanee) and resides in Manhattan with her husband Tom and three children, Robert, Claire & Ellie. Originally from Kentucky, she enjoys traveling with her family.
Prior to joining Morgan Stanley, Amanda was at Donaldson, Lufkin, & Jenrette (DLJ) then Credit Suisse as part of the Fixed Income Sales Team in the Leverage Loan Group.
Amanda earned a B.A. in Political Science from The University of the South (Sewanee) and resides in Manhattan with her husband Tom and three children, Robert, Claire & Ellie. Originally from Kentucky, she enjoys traveling with her family.
About Gillian Sheeran
Gillian Sheeran, Executive Director, Co-Head of Wealth Management Municipal Sales, joined The Firm in June of 2017 bringing a wealth of experience and expertise to her role. Currently she serves as Co-Head of WM Municipal Sales as well as serving as the primary coverage of the Florida region delivering The Firm’s strategy and commentary, providing timely market updates, and communicating actionable trade ideas specifically tailored to UHNW investors.
Before joining Wealth Management in 2022, she was part of the Institutional Sales team in Fixed Income. Prior to Morgan Stanley she spent the majority of her career at UBS in Municipal Institutional Sales.
Gillian holds a bachelor’s degree from Muhlenberg College in Allentown, PA while growing up in Montclair, NJ. Outside of work, Gillian enjoys seeing live music. She currently resides in Brooklyn with her daughter.
Before joining Wealth Management in 2022, she was part of the Institutional Sales team in Fixed Income. Prior to Morgan Stanley she spent the majority of her career at UBS in Municipal Institutional Sales.
Gillian holds a bachelor’s degree from Muhlenberg College in Allentown, PA while growing up in Montclair, NJ. Outside of work, Gillian enjoys seeing live music. She currently resides in Brooklyn with her daughter.
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
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Morgan Stanley Wealth Management Fixed Income Sales and Product Professionals provide services to Morgan Stanley Wealth Management Financial Advisors for information purposes only. They do not provide recommendations or solicitations to participate in any offer or sale of a security or trading strategy. It is the responsibility of the Morgan Stanley Wealth Management Financial Advisor to take into account the client's circumstances, investment objectives and risk tolerance before offering or selling securities to a client, to ensure such offer or sale is appropriate and consistent with the applicable standard of care.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Morgan Stanley Wealth Management Fixed Income Sales and Product Professionals provide services to Morgan Stanley Wealth Management Financial Advisors for information purposes only. They do not provide recommendations or solicitations to participate in any offer or sale of a security or trading strategy. It is the responsibility of the Morgan Stanley Wealth Management Financial Advisor to take into account the client's circumstances, investment objectives and risk tolerance before offering or selling securities to a client, to ensure such offer or sale is appropriate and consistent with the applicable standard of care.
Ready to start a conversation? Contact The Taylor Martoral Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan 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.
9Morgan 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.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan 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.
9Morgan 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.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
