Jonathon A Reddig, CFA
Financial Advisor, Senior Vice President, Investing with Impact Director, Government Entity Specialist
Phone:
(412) 392-5144(412) 392-5144
The Three Rivers Group at Morgan Stanley
Direct:
(412) 434-8500(412) 434-8500
Our Mission Statement
We strive to help successful individuals and families achieve financial freedom. We seek to help our clients maximize efficiency across their balance sheet and simplify their lives.
Our Story and Services
We are a Pittsburgh based group with offices located just a few blocks from the Point where the Monongahela and the Allegheny Rivers come together to form the Ohio. The Three Rivers Group at Morgan Stanley functions in much the same manner. We come together with our clients striving to create a much stronger force. As advisors, we will work with you to help weather the storms of uncertainly and to navigate the financial waters. We believe that managing wealth involves far more than managing a portfolio. It begins with a holistic, comprehensive understanding of who you are and the financial forces at work in your life.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Alternative InvestmentsFootnote4
- Sustainable InvestingFootnote5
- Fixed IncomeFootnote6
- Cash Management and Lending ProductsFootnote7
- Institutional ServicesFootnote8
- Corporate Retirement PlansFootnote9
- Executive Financial ServicesFootnote10
- Endowments and FoundationsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Who We Serve - our valued clients
We take pride in building long-term relationships with our clients, as well as maintaining an exceptional level of professionalism. We give our clients the confidence they need to help navigate a challenging financial world through personalized service, transparency, and a perspective flourished through several years of combined experience.
Individuals and Families
We believe achieving the financial well-being you seek requires creating a thorough, integrated life plan. We begin each relationship by listening and learning about each client to fully understand their personal situation. Establishing a relationship built on trust is the foundation of our work together.
Business Owners & Self-Made Entrepeneurs
We provide a focused guidance on the financial aspects of running a successful business on both sides of the balance sheet, including tax planning, employee benefits, succession planning, and more.
Corporate Executives
Custom tailored advice and strategies to help you manage your unique financial needs, including executive compensation, wealth preservation, and retirement planning.
Change of Life Events
In cases of marriage, birth of a child, change in employment, inheritance, or retirement, is is important to have a plan in place to be prepared for financial implications along with prepared strategies to help achieve your goals.
Organizations, Foundations, Endowments
Today’s institutional investors must develop appropriate strategies and repeatable processes in an increasingly complex world. Our team can help lead your organization through the planning and implementation required to properly manage organizational assets.
Government Entities
We collaborate with government entities by providing comprehensive financial insights and strategies to help optimize budget allocation and streamline fiscal policies, ensuring efficient and sustainable financial management for the public sector's long-term goals and objectives.
Working With You
We believe in designing your future with investment strategies that can encompass your whole life. That means taking the time to get to know you – your dreams and goals, as well as your financial concerns and the issues that keep you up at night. Our success stems from our ability to ask you the right questions and to listen carefully to your answers. No matter what unique needs you may have, we can customize a strategy to help address your financial objective.
Step 1: Discovery & Goal Setting
Let's begin with a thorough discussion to explain and ascertain your needs, wants, and values. It is important to us that we have a thorough understanding of various facets of your life that affects your financial goals and decisions. Every financial strategy should be unique because everyone is different.
Step 2: Analysis, Strategy & Planning
To conduct a full assessment of your financial situation, we make use of a range of financial planning and risk analysis tools. We then implement up a comprehensive financial plan that can help you accumulate, safeguard, and transfer wealth in line with your objectives.
Step 3: Implementation
Your assets will be transferred to Morgan Stanley once you give your approval. We start implementing the additional techniques we described in your plan once they are in line with your tailored investment strategy.
Step 4: Ongoing Monitoring
Our relationship with you is extremely important to us, and we want to keep it that way. We communicate with you frequently to provide account updates. Additionally, we keep tabs on how well you're doing in achieving each of your objectives and adjust your financial plan as need when your circumstances change.
MODERN WEALTH MANAGEMENT TOOLS
We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We are happy to assist you in signing up for any of these services.
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online - all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
Click Here to Learn More
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Click Here to Learn More
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Click Here to Learn More
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Click Here to Learn MoreLifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Timely Resources For our valued clients
We believe financial education can lead 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.
GIC: On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here to Learn More
GIC: Weekly
This report from Wealth Management Chief Investment Officer Lisa Shalett highlights the GIC's latest thinking on the markets.
Click Here to Learn More
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Explore Here
Morgan Stanley's Promotional Preferred Savings Program
Make the most of your cash at a competitive rate here at Morgan Stanley.
Explore Here
What Should I Do With My Money? A Morgan Stanley Podcast
A podcast where real people get real answers from Financial Advisors to their most important questions about money.
Location
One PPG Place
Suite 1300
Pittsburgh, PA 15222
US
Direct:
(412) 434-8500(412) 434-8500
Meet The Three Rivers Group
John Poppert
Associate Vice President, Financial Advisor
Phone:
(412) 392-5859(412) 392-5859
Christine A Bacasa
Portfolio Associate
Phone:
(412) 392-5897(412) 392-5897
About Jonathon A Reddig
Jonathon Reddig joined Morgan Stanley in 2005 and is the lead financial advisor of the Three Rivers Group. Jon works with institutional investors and high net worth families to evaluate, develop and implement financial planning strategies tailored to individual objectives. His investment philosophy centers around meeting clients’ goals while seeking to minimize their risk, accomplishing this through tactical diversification and producing high current cash flow. He follows the belief that personalized service is essential when
matching clients with the right financial advice.
His investment philosophy is predicated on staying up to date on global news, economic trends, industry offerings and professional standards. His commitment to his clients is mirrored in his commitment to education and personal development. Jon has earned the Chartered Financial Analyst® Designation. The Chartered Financial Analyst® (CFA®) designation has become known as the designation of professional excellence within the global investment community. Jon is also a member of the CFA Society of Pittsburgh and active in helping put on their annual Endowments and Foundations Conference.
Most recently he has been named an Investing with Impact Director at Morgan Stanley. Investing with Impact Directors are chosen for their experience and leadership in helping to align the financial goals of clients with their personal values and societal impact objectives. He also maintains the Government Entities Specialist Designation, in working with local government clients in Western Pennsylvania.
Jon and his wife, Amy, reside North of Pittsburgh in Allison Park, PA with their two young daughters. He and his wife have been members of a successful, competitive corporate rowing team for over ten years through the Three Rivers Rowing Association and a former board member of the association. For his latest challenge he is the head coach of his daughter’s U10 Soccer team.
matching clients with the right financial advice.
His investment philosophy is predicated on staying up to date on global news, economic trends, industry offerings and professional standards. His commitment to his clients is mirrored in his commitment to education and personal development. Jon has earned the Chartered Financial Analyst® Designation. The Chartered Financial Analyst® (CFA®) designation has become known as the designation of professional excellence within the global investment community. Jon is also a member of the CFA Society of Pittsburgh and active in helping put on their annual Endowments and Foundations Conference.
Most recently he has been named an Investing with Impact Director at Morgan Stanley. Investing with Impact Directors are chosen for their experience and leadership in helping to align the financial goals of clients with their personal values and societal impact objectives. He also maintains the Government Entities Specialist Designation, in working with local government clients in Western Pennsylvania.
Jon and his wife, Amy, reside North of Pittsburgh in Allison Park, PA with their two young daughters. He and his wife have been members of a successful, competitive corporate rowing team for over ten years through the Three Rivers Rowing Association and a former board member of the association. For his latest challenge he is the head coach of his daughter’s U10 Soccer team.
Securities Agent: FL, MI, WA, VA, OH, IN, WV, SC, NC, IL, DC, PA, NJ, CT, TX, NY, CA, AZ, AL, MA, MT, GA, CO, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1549163
NMLS#: 1549163
About John Poppert
John graduated from East Carolina University in 2004, where he earned a Business Degree with a concentration in Management. While attending, he balanced academics with a successful baseball career, earning multiple Dean’s List honors and leading the nationally ranked Pirates to four NCAA tournaments. After graduation, John was drafted by the Montreal Expos (now Washington Nationals) and decided to pursue a career in professional baseball, where he played and coached for eight seasons in the Washington Nationals organization.
Today, John enjoys helping people reach their financial goals by creating and implementing investment strategies that are tailored to their specific needs. John engages his clients to help them figure out where they are financially and, more importantly, where they want to go and how they can best get there. John gives his clients an advantage by leveraging Morgan Stanley’s distinguished research, resources, and analytics. He is committed to providing his clients the highest level of care rooted in accountability, integrity, communication, and trust.
John lives in the borough of Crafton with his wife, Eva, and five boys, John, Luke, Mitchell, Henry, and George. In his free time, he enjoys being with his family, staying active, and coaching his son’s baseball teams. John is on the board of directors for the Crafton Ingram Thornburg Baseball and Softball Association. John is also an avid Steelers, Penguins, and Pirates fan.
Today, John enjoys helping people reach their financial goals by creating and implementing investment strategies that are tailored to their specific needs. John engages his clients to help them figure out where they are financially and, more importantly, where they want to go and how they can best get there. John gives his clients an advantage by leveraging Morgan Stanley’s distinguished research, resources, and analytics. He is committed to providing his clients the highest level of care rooted in accountability, integrity, communication, and trust.
John lives in the borough of Crafton with his wife, Eva, and five boys, John, Luke, Mitchell, Henry, and George. In his free time, he enjoys being with his family, staying active, and coaching his son’s baseball teams. John is on the board of directors for the Crafton Ingram Thornburg Baseball and Softball Association. John is also an avid Steelers, Penguins, and Pirates fan.
Securities Agent: MD, GA, AL, CO, NC, IL, DC, PA, NY, AZ, IN, CT, WA, TX, OH, MA, CA, NJ, FL, MI, WV, VA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1692178
NMLS#: 1692178
About Christine A Bacasa
As a key member of the group, Chris is responsible for coordinating client relationships and assisting clients with their overall trading, retirement, and cash management needs. In addition, Chris is responsible for the day-to-day operational and administrative functions of the group. She has a strong work ethic and is very detailed oriented. She is always seeking to use the firm’s digital platform to help deliver cutting edge service. Chris works closely with the team in the development and implementation of various marketing strategies.
Chris has worked at Morgan Stanley and its predecessor companies since 1985. She is Series 7 and Series 63 licensed.
In her free time, Chris enjoys going to the gym, running and practicing yoga. She has competed in various long-distance races, including multiple half marathons and a full marathon in 2015. She also enjoys gardening, cooking and reading about health and fitness.
Chris has worked at Morgan Stanley and its predecessor companies since 1985. She is Series 7 and Series 63 licensed.
In her free time, Chris enjoys going to the gym, running and practicing yoga. She has competed in various long-distance races, including multiple half marathons and a full marathon in 2015. She also enjoys gardening, cooking and reading about health and fitness.
Contact Jonathon A Reddig
Contact John Poppert
Wealth Management
From Our Team
2024 Three Rivers Group Brochure
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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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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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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
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Three Rivers Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’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.
4Alternative 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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan 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
8Morgan 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.
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 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.
10Morgan 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.
11Morgan 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.
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
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’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.
4Alternative 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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan 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
8Morgan 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.
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 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.
10Morgan 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.
11Morgan 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.
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)
