Ahmet Terzioglu
Executive Director, Financial Advisor, Financial Planning Specialist, Senior Portfolio Management Director
Phone:
(585) 389-2263(585) 389-2263
The Terzioglu Group at Morgan Stanley
Direct:
(585) 389-2263(585) 389-2263
Toll-Free:
(866) 862-9757(866) 862-9757
Our Mission Statement
We are committed to fostering long-term relationships with our clients, built on trust, transparency, and integrity.
Our aim is to be the go-to resource for investment and trading experience, empowering individuals and businesses to help make informed financial decisions and capitalize on market opportunities.
We envision a future where financial success is within reach for everyone, and we strive to make that vision a reality.
Our aim is to be the go-to resource for investment and trading experience, empowering individuals and businesses to help make informed financial decisions and capitalize on market opportunities.
We envision a future where financial success is within reach for everyone, and we strive to make that vision a reality.
Our Story & Services
The Terzioglu Group brings together a wealth management team with over 138 years of combined financial services experience, market perspectives gleaned from roles in securities trading and research as well as an unsurpassed work ethic and commitment to their clients. Many of the team's clients have reached a level of wealth where principal preservation and income generation are primary objectives while the group continues to expand its services to individuals and families in the wealth accumulation phase of their lives, both in the Rochester area and across the country.
Three of the team's four Financial Advisors – Ahmet Terzioglu, Jeff Machiele and Michael Cregan – spent the early part of their careers at Merrill Lynch, while Paula Terzioglu joined Morgan Stanley in 2007. The team integrates complementary skill sets to provide a level of sophistication and care to clients typically reserved for institutional investors. As a Senior Portfolio Management Director, Ahmet runs the group's discretionary portfolio management relationships; as a former equity sales trader, Jeff applies his research skills to outside investment manager selection and due diligence; while Mike provides valuable insights as the team's insurance and annuities advisor.
The Terzioglu Group's affinity and experience in following the markets, which includes participating on daily morning calls and staying current on the latest Morgan Stanley research and related Wall Street forecasts, can provide you with a level of knowledge and guidance on stocks, bonds and alternatives rarely available to individual investors. These insights are supported by the commitment and passion of a long tenured client service team always available to answer your questions or requests.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards and Recognition
Thanks to the unwavering commitment to helping clients and families achieve their investment goals, members of The Terzioglu Cohen Group have been awarded the following industry awards and recognitions:
2023 Forbes Best-In-State Wealth Management Team
The Terzioglu Cohen Group was named 2023 Forbes Best-In-State Wealth Management Team in New York.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
The 2014, 2019 Financial Times Top 400 Financial Advisors
Ahmet Terzioglu was named The Financial Times Top 400 Financial Advisors in the 2014, 2019
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2014) Data compiled by Financial Times based on time period from 9/30/12 - 9/30/13.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2019) Data compiled by the Financial Times based on time period from 6/30/15 - 6/30/18.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2014) Data compiled by Financial Times based on time period from 9/30/12 - 9/30/13.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2019) Data compiled by the Financial Times based on time period from 6/30/15 - 6/30/18.
Forbes Best-In-State Advisors 2021
Ahmet Terzioglu was named a Forbes Best-In-State Advisors 2021
Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Barron's Top 1200 Financial Advisors in the United States for 2009, 2010 and 2021
Ahmet Terzioglu was named a Barron's Top 1200 Financial Advisors in the United States for 2009, 2010, 2021 and 2023
2009, 2010, 2021, 2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009, 2010, 2021). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2009, 2010, 2021, 2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009, 2010, 2021). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Smith Barney Directors Council Membership (2003-2008)
Ahmet Terzioglu was named to the Smith Barney Directors Council Membership (2003-2008)
Morgan Stanley Chairman's Club Membership (2009-2011)
Ahmet Terzioglu was named to the Morgan Stanley Chairman's Club Membership (2009-2011)
Morgan Stanley President's Club Membership (2013, 2015-2020)
Ahmet Terzioglu was named to the Morgan Stanley President's Club Membership (2013, 2015-2020)
Morgan Stanley Master's Club Membership (2012, 2014)
Ahmet Terzioglu was named to the Morgan Stanley Master's Club Membership (2012, 2014)
Our Five-Step Process
Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
Digital Wealth Management Tools
Our comprehensive suite of digital tools are designed to enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Learn More About Morgan Stanley Online
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth View
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have resources of MSO on the go.
Learn More About Our Mobile App
Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
Access Digital Vault
eAuthorizations
With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.
Enroll in eAuthorizations
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDeliveryValuable Tools and Resources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
View Offers from Reserved Living & Giving
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Wealth Management Audiocast
Check out our recent market update audiocasts, including the latest from Wealth Management Chief Investment Officer Lisa Shalett.
Listen Here
Addressing Cybercrime
In a world that is now more virtual than ever, staying safe online is nothing short of paramount. Take advantage of these helpful hints on how to tell if you've been hacked.
Learn how to detect hacking
Giving Back: Donor Advised Funds
There’s more to charitable giving than you may realize. Here’s one method that may be tax-efficient and can help maximize your impact.
Learn More About Donor Advised Funds
Tax Table 2024
The 2024 tax tables detail the marginal tax rates for various income brackets and filing statuses. Important deadlines include the 2024 estimated tax payments and the last day to file federal income tax returns. Other key details include the tax rates on long-term capital gains, the Child Tax Credit, and various retirement plan contribution limits.
View The 2024 Tax TableTax Table 2025
The 2025 tax tables detail the marginal tax rates for various income brackets and filing statuses. Important deadlines include the 2025 estimated tax payments and the last day to file federal income tax returns. Other key details include the tax rates on long-term capital gains, the Child Tax Credit, and various retirement plan contribution limits.
View The 2025 Tax TableLocation
300 Linden Oaks
Suite 200
Rochester, NY 14625
US
Direct:
(585) 389-2263(585) 389-2263
Toll-Free:
(866) 862-9757(866) 862-9757
Meet The Terzioglu Group
Phone:
(508) 790-9613(508) 790-9613
Phone:
(585) 389-2233(585) 389-2233
Michael Cregan
Vice President, Financial Advisor
Phone:
(585) 385-5138(585) 385-5138
Wioletta Saia
Registered Client Service Associate
Phone:
(585) 389-2216(585) 389-2216
Jake Bilyo
Registered Client Service Associate
Phone:
(585) 389-2256(585) 389-2256
Jackie Smith
Client Service Associate
Phone:
(585) 385-5106(585) 385-5106
About Ahmet Terzioglu
Ahmet is a Senior Portfolio Management and Alternative Investments Director. Terzioglu translates to “son of a tailor,” a translation particularly apt in Ahmet’s case. Ahmet’s father, a tailor paid by piecework, knew all too well the value of meticulous attention to detail, measured results, and pursuit of the highest quality when creating custom suits. This ethic of excellence and virtue of hard work were not lost on his son. Ahmet continues the family tradition by tailoring custom financial solutions to each individual client, working hard to ensure every individual receives unparalleled service and results that help them achieve their goals.
Graduating from the University of Rochester with a degree in Economics, Ahmet started his career at Merrill Lynch moving to Morgan Stanley Smith Barney in 2002. The open architect platform at Morgan Stanley has given him tools to consistently refine and develop each client's portfolio, but as he consistently tells his clients, “I don’t work for Morgan Stanley, I work for you.”
Ahmet’s hard work for the past 35 years has been recognized by his numerous awards.
The Terzioglu Group is licensed in 44 states. Ahmet holds his Series 7 and 66 registrations as well as his New York State Life, Accident, and Health Insurance Licenses.
He has served on the board of the Mary M. Gooley Hemophilia Center as well as on its finance committee.
He currently resides in Pittsford, NY with a second home in Boston, MA.
Graduating from the University of Rochester with a degree in Economics, Ahmet started his career at Merrill Lynch moving to Morgan Stanley Smith Barney in 2002. The open architect platform at Morgan Stanley has given him tools to consistently refine and develop each client's portfolio, but as he consistently tells his clients, “I don’t work for Morgan Stanley, I work for you.”
Ahmet’s hard work for the past 35 years has been recognized by his numerous awards.
The Terzioglu Group is licensed in 44 states. Ahmet holds his Series 7 and 66 registrations as well as his New York State Life, Accident, and Health Insurance Licenses.
He has served on the board of the Mary M. Gooley Hemophilia Center as well as on its finance committee.
He currently resides in Pittsford, NY with a second home in Boston, MA.
Securities Agent: WI, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VI, VT, WA, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1279426
NMLS#: 1279426
About Jeffrey Machiele
Jeff brings more than 30 years of investment experience to his role as a Financial Advisor with The Terzioglu Group at Morgan Stanley. Jeff previously worked at Merrill Lynch for 21 years specializing in institutional sales and trading and at Federated Clover Investment Advisors for four years as a client relationship manager focusing on wealth strategies for high-net-worth individuals and institutions.
Jeff leverages his and the team’s deep experience in following the markets and serving institutional clients to provide a level of knowledge, perspective and guidance on stocks, bonds and alternatives rarely available to individual investors. Jeff also applies his research skills in the vetting and selection of outside investment managers for the team’s client portfolios.
Jeff leverages his and the team’s deep experience in following the markets and serving institutional clients to provide a level of knowledge, perspective and guidance on stocks, bonds and alternatives rarely available to individual investors. Jeff also applies his research skills in the vetting and selection of outside investment managers for the team’s client portfolios.
Securities Agent: MO, AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, ME, MI, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, HI, UT, VA, VI, VT, WA, WI, MN, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1475819
NMLS#: 1475819
About Paula M. Terzioglu
Paula graduated from Nazareth College of Rochester with her bachelor’s degree in accounting. After seven years of public service as the Deputy Clerk and Deputy Receiver of Taxes for the Town of Brighton, Paula joined Morgan Stanley in 2007. She has enjoyed the natural pathway to her newest role as a Financial Advisor with the Terzioglu Group at Morgan Stanley.
With a vast knowledge base, strong integrity, and 17 years of industry experience Paula specializes in helping individuals and small businesses work towards pursuing their financial goals. Paula’s approach is to understand and appreciate that each client comes with a unique and different set of circumstances and that life events happen. Her empathy and compassion to navigating transitions such as career changes, divorce, and loss of loved ones are unsurpassed. She forms lasting relationship with her clients based on integrity and trust.
Outside of work Paula enjoys a very active life with her husband, Ahmet. Whether training at the gym, hiking, biking or cross-country skiing, she is always energized. Paula also enjoys traveling “again” and looks forward to meeting with clients from all over the United States.
With a vast knowledge base, strong integrity, and 17 years of industry experience Paula specializes in helping individuals and small businesses work towards pursuing their financial goals. Paula’s approach is to understand and appreciate that each client comes with a unique and different set of circumstances and that life events happen. Her empathy and compassion to navigating transitions such as career changes, divorce, and loss of loved ones are unsurpassed. She forms lasting relationship with her clients based on integrity and trust.
Outside of work Paula enjoys a very active life with her husband, Ahmet. Whether training at the gym, hiking, biking or cross-country skiing, she is always energized. Paula also enjoys traveling “again” and looks forward to meeting with clients from all over the United States.
Securities Agent: TN, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OR, PA, PR, RI, SC, TX, UT, VA, VI, VT, WA, WI, WV, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2401030
NMLS#: 2401030
About Michael Cregan
A former professional soccer player, Michael has over 25 years of experience as a Financial Advisor. Michael is part of The Terzioglu Group at Morgan Stanley who provide tailored wealth management solutions to affluent individuals and families throughout the United States.
Michael believes in developing a solid understanding and relationship with each individual client and family account. Michael leverages his and the team’s deep experience in following the markets and serving institutional clients to provide a level of knowledge, perspective and guidance on stocks, bonds and alternatives rarely available to individual investors. He also brings specialized knowledge on insurance and annuities to the team’s high net worth clients.
Michael takes a holistic approach to wealth management while constantly evaluating what value or solution he can offer his clients to help them toward meeting both their near-term needs and long-term financial goals.
Michael believes in developing a solid understanding and relationship with each individual client and family account. Michael leverages his and the team’s deep experience in following the markets and serving institutional clients to provide a level of knowledge, perspective and guidance on stocks, bonds and alternatives rarely available to individual investors. He also brings specialized knowledge on insurance and annuities to the team’s high net worth clients.
Michael takes a holistic approach to wealth management while constantly evaluating what value or solution he can offer his clients to help them toward meeting both their near-term needs and long-term financial goals.
Securities Agent: VI, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1398746
NMLS#: 1398746
About Wioletta Saia
Wioletta is a Registered Client Service Associate with the Terzioglu Group at Morgan Stanley. She is responsible for account management, daily operations and client services for the group, utilizing the firm’s modern wealth digital platform to cultivate an exceptional customer service experience. She collaborates with the team to ensure that client requests are met with efficiency, personalized service and informed professionalism. She has a strong work ethic and values the client relationships that she has built over the years.
Wioletta has over 25 years of experience in the financial industry. She brings leadership, management and client relations skills that she cultivated as the remote systems manager at Reliant Community Credit Union. Wioletta graduated from SUNY Geneseo with a Bachelor of Arts Degree in Mathematics and holds an M.B.A. from St. John Fisher College. Additionally, she holds her Series 7 & 66 registrations.
She resides in Webster, NY with her husband and two sons.
Wioletta has over 25 years of experience in the financial industry. She brings leadership, management and client relations skills that she cultivated as the remote systems manager at Reliant Community Credit Union. Wioletta graduated from SUNY Geneseo with a Bachelor of Arts Degree in Mathematics and holds an M.B.A. from St. John Fisher College. Additionally, she holds her Series 7 & 66 registrations.
She resides in Webster, NY with her husband and two sons.
About Jake Bilyo
Jake is a Registered Client Service Associate with the Terzioglu Group at Morgan Stanley. Jake assists clients with any needs striving to provide the best service possible. He brings a background of experience and excellence in client servicing. His responsibilities for the group include account management, financial planning and client onboarding.
Jake graduated from SUNY Brockport with a major in Finance and a minor in Economics. He began his career in the insurance industry where he was an Insurance Agent. He holds the New York Life, Accident & Health Insurance License along with his Series 7 & 66 registrations.
He enjoys weekends at his family cabin in the Adirondacks as well as golfing and boating.
Jake graduated from SUNY Brockport with a major in Finance and a minor in Economics. He began his career in the insurance industry where he was an Insurance Agent. He holds the New York Life, Accident & Health Insurance License along with his Series 7 & 66 registrations.
He enjoys weekends at his family cabin in the Adirondacks as well as golfing and boating.
About Jackie Smith
Jackie is a Client Service Associate with the Terzioglu Group at Morgan Stanley. She has a unique background in both economics and education. Her responsibilities for the group include marketing and social media outreach, account management, and client assistance.
Jackie graduated from Quinnipiac University with a Bachelor's Degree in Economics, and then worked in finance for a few years. She took a break from the financial world to pursue a passion for education by obtaining a Master's Degree in Inclusive Education. She taught for four years before coming back into the world of finance. Jackie employs her teaching skills in new and insightful ways and is very happy to assist clients with their needs.
She resides in East Irondequoit with her husband and two children.
Jackie graduated from Quinnipiac University with a Bachelor's Degree in Economics, and then worked in finance for a few years. She took a break from the financial world to pursue a passion for education by obtaining a Master's Degree in Inclusive Education. She taught for four years before coming back into the world of finance. Jackie employs her teaching skills in new and insightful ways and is very happy to assist clients with their needs.
She resides in East Irondequoit with her husband and two children.
Contact Ahmet Terzioglu
Contact Jeffrey Machiele
Contact Paula M. Terzioglu
Contact Michael Cregan
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
Charles Cox, CFP®
Financial Planning Director, Vice President
About Charles Cox
Charles G. Cox, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Western New York. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Charles began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked for a national bank with trust powers in a variety of roles. Most recently he was providing financial planning to bank’s high-net worth clients.
Charles graduated from University at Albany with a Bachelors of Arts in Economics and holds his Certified Financial Planner® designation. Charles lives in Rochester, NY with his wife Cristina. Outside of work, Charles enjoys spending time outdoors and cooking.
Charles began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked for a national bank with trust powers in a variety of roles. Most recently he was providing financial planning to bank’s high-net worth clients.
Charles graduated from University at Albany with a Bachelors of Arts in Economics and holds his Certified Financial Planner® designation. Charles lives in Rochester, NY with his wife Cristina. Outside of work, Charles enjoys spending time outdoors and cooking.
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Terzioglu Group today.
1Alternative 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.
2Morgan 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
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
2Morgan 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
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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:
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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)
