Phone:
(212) 883-8588(212) 883-8588
The ter Kuile Group at Morgan Stanley
Our Mission Statement
We build custom portfolios and financial plans with a focus on research, discipline, and accountability. We show you where you are, where you’re headed, and how we plan to get you there.
Our Story and Services
Rigorous. Disciplined. Accountable. When you’re looking for a team to help manage your wealth, these traits are crucial. Why? Because you’ve worked hard for your achievements and deserve guidance that can help work hard for you and the future you envision.
With more than 25 years of experience behind us and many more ahead, we design highly customized financial plans and sophisticated investment strategies that are thoughtful, well-researched, and meticulously monitored.
We believe in performance, and with Senior Portfolio Management Director and Portfolio Management Associate Director credentials, we are among a select group of Morgan Stanley advisors who take a hands-on approach to the markets on a discretionary basis; doing our own research, analysis, and portfolio construction.
We also believe in knowing exactly where your money is, what it’s doing, and why. That’s why we assist our clients in creating their own custom Investment Policy Statement.
Above all, we’re committed to building a long-lasting relationship with you and your family that is built on respect, trust, and a deep understanding of your goals and values.
If you’d like a second opinion about your investments or would like to chat about your financial future, please call us at (212)-883-8588.
With more than 25 years of experience behind us and many more ahead, we design highly customized financial plans and sophisticated investment strategies that are thoughtful, well-researched, and meticulously monitored.
We believe in performance, and with Senior Portfolio Management Director and Portfolio Management Associate Director credentials, we are among a select group of Morgan Stanley advisors who take a hands-on approach to the markets on a discretionary basis; doing our own research, analysis, and portfolio construction.
We also believe in knowing exactly where your money is, what it’s doing, and why. That’s why we assist our clients in creating their own custom Investment Policy Statement.
Above all, we’re committed to building a long-lasting relationship with you and your family that is built on respect, trust, and a deep understanding of your goals and values.
If you’d like a second opinion about your investments or would like to chat about your financial future, please call us at (212)-883-8588.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Executive Financial ServicesFootnote4
- Stock Option PlansFootnote5
- Executive Benefit ServicesFootnote6
- Alternative InvestmentsFootnote7
- Philanthropic ManagementFootnote8
- Planning for Education FundingFootnote9
- Life InsuranceFootnote10
- Long-term Care InsuranceFootnote11
- Cash Management and Lending ProductsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WHAT WE DO
We are systematic, but not formulaic. We guide clients through a wide range of financial issues that require careful attention, sophisticated resources, and a keen understanding of market complexities. Our process is methodical, transparent, and focused on one thing: you.
OUR BELIEFS
We Believe:
- We believe that the most successful portfolio is one personalized to your goals and grounded in rigorous research.
- We believe that portfolio performance matters. Because your goals matter. We stay disciplined and focused because growing your wealth helps get you closer to your dreams.
- We believe in being good listeners. Smart wealth management strategies do not come in “one-size-fits-all.”
- We believe in the power of diversity. Embracing diverse perspectives helps us better serve our clients and makes us a stronger team.
- We believe in building long lasting relationships that span generations. By educating your sons and daughters we can get them started on the right foot.
- We believe in transparency. We’re straightforward about fees and costs – we don’t want there to be any surprises, ever.
Location
55 East 52nd Street 10th
28th Floor
New York, NY 10055
US
Direct:
(212) 883-8588(212) 883-8588
Meet The ter Kuile Group
Phone:
(212) 883-8141(212) 883-8141
Sofia Laffont
Financial Advisor
Phone:
(212) 883-8597(212) 883-8597
Andrew Hatcher, CFA, CERTIFIED FINANCIAL PLANNER™
Vice President, Portfolio Management Associate Director
Phone:
(212) 883-8590(212) 883-8590
Zoe Ter Kuile
Client Service Associate
Phone:
(212) 883-8568(212) 883-8568
About Curtis ter Kuile
After starting his career in finance with Merrill Lynch in 1993, Curtis ter Kuile moved The ter Kuile Group from Wells Fargo Advisors to Morgan Stanley in January of 2019. An alumnus of Ithaca College ’84 and their varsity rowing team, Curtis is a sports enthusiast and an active member of the New York Athletic Club. He lives on New York City’s upper east side with his wife, Monique Millane. Married for over 30 years, the couple have three children in Zoe, Blythe, and Roan.
As your Financial Advisor, through Morgan Stanley my team and I offer some of the broadest array of products and services available at a reasonable cost. In this way, we help you define your near-term goals, cash flow needs, asset allocation, and investment performance monitoring. From there we focus on important components of your financial life including financing and college planning with longer-term retirement and life insurance and estate planning goals. Together with you we arrive at the most appropriate approach for how to invest to help achieve those goals. Working together, we will help you to preserve and grow your wealth.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
As your Financial Advisor, through Morgan Stanley my team and I offer some of the broadest array of products and services available at a reasonable cost. In this way, we help you define your near-term goals, cash flow needs, asset allocation, and investment performance monitoring. From there we focus on important components of your financial life including financing and college planning with longer-term retirement and life insurance and estate planning goals. Together with you we arrive at the most appropriate approach for how to invest to help achieve those goals. Working together, we will help you to preserve and grow your wealth.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: WA, WY, WV, WI, VI, VA, UT, TN, SD, SC, RI, PA, OR, OK, OH, NY, NV, NM, NE, MT, NC, MS, NH, MO, MN, NJ, MI, ME, ND, MD, MA, LA, TX, KY, KS, IN, VT, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, PR; General Securities Representative; Investment Advisor Representative
NMLS#: 144190
NMLS#: 144190
About William J. Knowles
Securities Agent: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1466323
NMLS#: 1466323
About Sofia Laffont
Securities Agent: RI, FL, MD, IL, HI, AZ, AL, WV, SD, NM, KY, ID, VA, OH, NY, NV, NJ, IN, IA, AK, MO, MA, PA, NC, CO, WI, SC, PR, OK, CA, TN, NH, MT, MS, KS, GA, CT, AR, WA, UT, NE, ND, MI, ME, LA, DC, WY, VT, OR, DE, VI, TX, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 2602454
NMLS#: 2602454
About Andrew Hatcher
Andrew Hatcher is a Vice President and Portfolio Management Associate Director with The ter Kuile Group at Morgan Stanley. He focuses on building financial plans and investment portfolios that are designed to help meet each client’s unique needs, objectives, and risk tolerance.
Prior to joining the ter Kuile Group, Andrew held a series of academic positions and fellowships. After earning an M.A. in literature at Northern Illinois University, he pursued a doctorate at Indiana University – Bloomington, where he was recognized for excellence in teaching and research and was published in a national peer-reviewed journal. Andrew’s move from academia to financial advising is a natural one – he loves the intellectual challenge of studying the markets, has sharp analytical skills, and can clearly communicate abstract concepts to different audiences. Andrew joined the ter Kuile Group at Wells Fargo Advisors in 2014 and moved with the team to Morgan Stanley in 2019.
Rigorous research, attentive care, and a dedication to clear and transparent communication drive Andrew’s financial advising. To better serve his clients, Andrew earned the Chartered Financial Analyst (CFA®) designation, an elite certification that incorporates investment theory, portfolio management analysis, and advanced research and analytical skills. He takes pride in cultivating close client relationships and strives to help families build and preserve their wealth for generations.
Outside of work, Andrew enjoys walking around the city with his husband and taking advantage of New York’s many parks, museums, and other cultural riches.
Prior to joining the ter Kuile Group, Andrew held a series of academic positions and fellowships. After earning an M.A. in literature at Northern Illinois University, he pursued a doctorate at Indiana University – Bloomington, where he was recognized for excellence in teaching and research and was published in a national peer-reviewed journal. Andrew’s move from academia to financial advising is a natural one – he loves the intellectual challenge of studying the markets, has sharp analytical skills, and can clearly communicate abstract concepts to different audiences. Andrew joined the ter Kuile Group at Wells Fargo Advisors in 2014 and moved with the team to Morgan Stanley in 2019.
Rigorous research, attentive care, and a dedication to clear and transparent communication drive Andrew’s financial advising. To better serve his clients, Andrew earned the Chartered Financial Analyst (CFA®) designation, an elite certification that incorporates investment theory, portfolio management analysis, and advanced research and analytical skills. He takes pride in cultivating close client relationships and strives to help families build and preserve their wealth for generations.
Outside of work, Andrew enjoys walking around the city with his husband and taking advantage of New York’s many parks, museums, and other cultural riches.
About Zoe Ter Kuile
Following in the footsteps of her father and great-grandfather, Zoe joined The ter Kuile group in October of 2023.
Zoe graduated with Honours from the University of Toronto in June of 2021. There, she earned a B.A. in English Literature and a minor in Biology with a special focus on Medical Anthropology.
Zoe graduated with Honours from the University of Toronto in June of 2021. There, she earned a B.A. in English Literature and a minor in Biology with a special focus on Medical Anthropology.
Contact Curtis ter Kuile
Contact William J. Knowles
Contact Sofia Laffont
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
Article Image
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 ter Kuile 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.
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.
4Morgan 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.
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.
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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
9When 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
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.
4Morgan 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.
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.
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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
9When 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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)
