
Turquoise Sky Group at Morgan Stanley
Direct:
(505) 883-6262(505) 883-6262
Toll-Free:
(800) 776-5973(800) 776-5973

Our Mission Statement
Our mission is to craft and monitor personalized and dynamic financial plans, while being a dedicated guide for our clients and their families. Grounded by honesty, integrity, and tailored investment advice, we strive to simplify our clients’ financial landscapes while maintaining the integral trust upon which we are built.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
6565 Americas Pkwy NE
Ste 400
Albuquerque, NM 87110
US
Direct:
(505) 883-6262(505) 883-6262
Toll-Free:
(800) 776-5973(800) 776-5973
Meet Turquoise Sky Group
About Clifford Anders Gramer
Clifford is a Financial Advisor at The Turquoise Sky Group at Morgan Stanley, a highly skilled wealth management practice located in Albuquerque, New Mexico. His goal is to provide personalized advice to help you make informed decisions about the wealth you've worked so hard to achieve.
Growing up in Santa Fe and Albuquerque, Cliff earned his B.A. in Finance and his M.B.A in International Finance at the University of New Mexico. He has been at Morgan Stanley for 17 years. Cliff has held his CFP designation since 2014, and has been named to Forbes 2023 & 2024 Best-In-State Wealth Advisors and Forbes 2022 Top Next-Gen Wealth Advisors.
Cliff resides in Albuquerque, New Mexico, with his wife, Carly, and their two children, Layla and Ari. In his free time, Cliff enjoys spending time with family, and playing golf and soccer.
Forbes America's Top Wealth Advisors Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes America's Top Wealth Advisors Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Growing up in Santa Fe and Albuquerque, Cliff earned his B.A. in Finance and his M.B.A in International Finance at the University of New Mexico. He has been at Morgan Stanley for 17 years. Cliff has held his CFP designation since 2014, and has been named to Forbes 2023 & 2024 Best-In-State Wealth Advisors and Forbes 2022 Top Next-Gen Wealth Advisors.
Cliff resides in Albuquerque, New Mexico, with his wife, Carly, and their two children, Layla and Ari. In his free time, Cliff enjoys spending time with family, and playing golf and soccer.
Forbes America's Top Wealth Advisors Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes America's Top Wealth Advisors Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Securities Agent: TX, CO, TN, SC, OH, NJ, MO, MI, LA, KY, UT, NC, MT, MS, ID, GA, CA, AL, WA, PA, NM, KS, IL, AK, WI, RI, OR, NY, MD, MA, IN, VA, OK, IA, NV, FL, MN, AZ, WY, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1297763
NMLS#: 1297763
About Michael Daly
Michael Daly is a Financial Advisor, Certified Financial Planner (CFP®), Chartered Advisor in Philanthropy, Portfolio Management Director, and Family Wealth Advisor based in Albuquerque, NM. He was named a 2022 and 2023 Forbes Top Advisor in New Mexico, and was a member of the Director’s Club and President’s Club at Morgan Stanley.
Michael joined Dean Witter in 1995, bringing with him a wealth of experience gained from his previous roles as a public accountant, regional information systems director, and business system analyst.
Michael was born in Waterbury, CT, and raised in Rockville CT. He earned his B.S. in Business and Accounting from the University of Connecticut in 1984, and completed postgraduate work at the University of Arizona from 1987-1988. With over 30 years of experience in the financial industry, Michael has helped numerous clients pursue their financial goals and help preserve their wealth for future generations.
Michael has had vast experience from the highs of the late 1990’s through significant and historical changes in the markets/economy. Personal and professional experience has shown him every aspect of financial planning, goals, needs and priorities for individuals and appropriate strategic investing for institutions. He has found that “it is not the analysis of markets and choices in securities that has ultimately helped clients. It is the empathetic, active listening to clients, their unique requirements and dreams.”
In addition to his professional achievements, Michael is also a dedicated husband and father. He has been married to his wife Linley for 30 years, and they have three children, Lauren, Ryan and Maya. Outside of work Michael enjoys working out aerobically, weight training, playing golf, and loves to travel. He was the board member at several organizations, including the American Red Cross, President New Mexico museum of History and Art Foundation, Animal Humane Society, and the National Dance Institute. He was also a University of Connecticut student mentor.
Michael is a lifelong learner and has studied mandarin at a moderate level. He has even done several market updates on the radio, sharing his insights and knowledge with a wider audience. His dedication to his clients and his community is a reflection of his personal values of integrity, generosity, and accountability.
Disclosure:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Michael joined Dean Witter in 1995, bringing with him a wealth of experience gained from his previous roles as a public accountant, regional information systems director, and business system analyst.
Michael was born in Waterbury, CT, and raised in Rockville CT. He earned his B.S. in Business and Accounting from the University of Connecticut in 1984, and completed postgraduate work at the University of Arizona from 1987-1988. With over 30 years of experience in the financial industry, Michael has helped numerous clients pursue their financial goals and help preserve their wealth for future generations.
Michael has had vast experience from the highs of the late 1990’s through significant and historical changes in the markets/economy. Personal and professional experience has shown him every aspect of financial planning, goals, needs and priorities for individuals and appropriate strategic investing for institutions. He has found that “it is not the analysis of markets and choices in securities that has ultimately helped clients. It is the empathetic, active listening to clients, their unique requirements and dreams.”
In addition to his professional achievements, Michael is also a dedicated husband and father. He has been married to his wife Linley for 30 years, and they have three children, Lauren, Ryan and Maya. Outside of work Michael enjoys working out aerobically, weight training, playing golf, and loves to travel. He was the board member at several organizations, including the American Red Cross, President New Mexico museum of History and Art Foundation, Animal Humane Society, and the National Dance Institute. He was also a University of Connecticut student mentor.
Michael is a lifelong learner and has studied mandarin at a moderate level. He has even done several market updates on the radio, sharing his insights and knowledge with a wider audience. His dedication to his clients and his community is a reflection of his personal values of integrity, generosity, and accountability.
Disclosure:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Securities Agent: NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WY, WV, DC, AK, AL, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, NC, ND, NE, NJ, NM, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1364379
NMLS#: 1364379
About Bruce Seligman
Securities Agent: MS, TX, TN, RI, AL, WY, AK, WA, OH, NV, NM, MO, MD, MA, LA, IN, ID, FL, NY, KS, AZ, WI, SC, PA, MI, GA, AR, OK, KY, IL, CO, HI, CT, IA, CA, VA, UT, MN, OR, NC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1298026
NMLS#: 1298026
About Christopher Shibley
Chris is a Financial Advisor at Turquoise Sky Group, a highly skilled wealth management practice located in Albuquerque. He is dedicated to helping clients achieve their goals and milestones. He believes successful people all share a common bond: They encounter important life events that require timely guidance to help them make the right financial decisions. He is there to help them each step of the way.
Growing up in Ohio, Chris earned his B.S. degree in Business from Miami University of Ohio. While there, he took an internship at Scottrade that led to a full-time job after graduation. Within a year, he was selected to be a traveling broker, visiting branches across the country. This experience led Chris to Morgan Stanley in 2012. In 2014, he had the opportunity to move to Albuquerque to take on the role of Complex Risk Officer, for the Mountain States Complex. He joined Turquoise Sky Group in 2021. Chris has been an invaluable member of the team ever since. Chris’s areas of concentration include financial planning, option strategies, wealth management and mastering Morgan Stanley’s state-of-the-art digital platforms. His approachable style helps clients make well-informed decisions, while maintaining the discipline necessary in an effort to navigate today’s challenging markets.
Throughout his career, Chris has remained committed to professional development. He maintains his FINRA Series 3, 4, 24, 7, 53 and 66 licenses. In 2019 and 2020, he was named a “PaceSetter” at Morgan Stanley.
Outside the office, Chris loves to hike, ski and mountain bike. He also believes in giving back, volunteering at the Roadrunner Food Bank.
Growing up in Ohio, Chris earned his B.S. degree in Business from Miami University of Ohio. While there, he took an internship at Scottrade that led to a full-time job after graduation. Within a year, he was selected to be a traveling broker, visiting branches across the country. This experience led Chris to Morgan Stanley in 2012. In 2014, he had the opportunity to move to Albuquerque to take on the role of Complex Risk Officer, for the Mountain States Complex. He joined Turquoise Sky Group in 2021. Chris has been an invaluable member of the team ever since. Chris’s areas of concentration include financial planning, option strategies, wealth management and mastering Morgan Stanley’s state-of-the-art digital platforms. His approachable style helps clients make well-informed decisions, while maintaining the discipline necessary in an effort to navigate today’s challenging markets.
Throughout his career, Chris has remained committed to professional development. He maintains his FINRA Series 3, 4, 24, 7, 53 and 66 licenses. In 2019 and 2020, he was named a “PaceSetter” at Morgan Stanley.
Outside the office, Chris loves to hike, ski and mountain bike. He also believes in giving back, volunteering at the Roadrunner Food Bank.
Securities Agent: TN, MS, MO, MT, WI, SC, OK, AZ, AK, WY, VT, PA, MI, IN, NM, CT, AL, TX, LA, CA, AR, UT, OR, NY, NC, MN, IL, CO, WA, VA, SD, MA, HI, GA, KS, ID, IA, FL, OH, NV, MD, KY; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2576997
CA Insurance License #: 0M75047
NMLS#: 2576997
CA Insurance License #: 0M75047
About Patricia Yara
Patricia Yara (Patti) is a Financial Advisor with over 11 years in the Finance industry. Concentrating in Risk Management, Patti works to navigate the terrain of finance with precision. With a strategic planning approach, she helps guide clients toward financial success. As a born-and-raised New Mexican she has a heart for community and is an advocate for diversity & inclusion with a dedication to the financial empowerment of women.
Beyond her professional life she is a dedicated mother of two that invests her free time to youth sports and development, aligning with her passion for fitness. Patti is not only shaping financial futures but is also promoting holistic wellbeing and a balanced life.
Beyond her professional life she is a dedicated mother of two that invests her free time to youth sports and development, aligning with her passion for fitness. Patti is not only shaping financial futures but is also promoting holistic wellbeing and a balanced life.
Securities Agent: AZ, VA, NC, MN, MA, WI, PA, NM, MS, MD, KY, FL, AR, MI, LA, IN, DC, CT, WV, NH, KS, PR, OH, NV, IA, AK, WY, UT, ME, IL, ID, WA, TN, RI, ND, MO, CA, SD, MT, CO, OR, OK, NE, GA, AL, VT, TX, SC, NY, NJ, HI, DE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2551774
NMLS#: 2551774
About Melanie O'Callaghan
Melanie is a highly accomplished professional with a strong background in marketing and finance. She holds a BBA degree in marketing from the University of New Mexico and an MBA from the University of Phoenix. In addition to her academic achievements, Melanie also possesses Series 7 and 66 licenses, demonstrating her expertise in the financial industry.
Originally from Albuquerque, New Mexico, Melanie moved to Phoenix, Arizona after completing her bachelor's degree. There, she gained valuable experience working as an Internal Auditor for the state of Arizona and conducting market research for real estate developers. After six years, Melanie decided to return to her hometown of Albuquerque to be closer to her family. She dedicated 13 years to working in the family business, honing her skills and contributing to its success.
In 2006, Melanie joined Morgan Stanley, where she currently serves as a valued member of the team. Her extensive knowledge and experience in finance have been instrumental in her role, allowing her to provide sound advice to clients and help them achieve their financial goals. Outside of her professional life, Melanie enjoys various activities during her free time. She finds solace in long dog walks, indulges in cooking, explores nature through hiking, and finds joy in reading. Above all, she cherishes spending quality time with her loved ones, prioritizing family and friends. Melanie's diverse experiences, educational background, and passion for both finance and personal connections make her a well-rounded and exceptional individual in her field.
Originally from Albuquerque, New Mexico, Melanie moved to Phoenix, Arizona after completing her bachelor's degree. There, she gained valuable experience working as an Internal Auditor for the state of Arizona and conducting market research for real estate developers. After six years, Melanie decided to return to her hometown of Albuquerque to be closer to her family. She dedicated 13 years to working in the family business, honing her skills and contributing to its success.
In 2006, Melanie joined Morgan Stanley, where she currently serves as a valued member of the team. Her extensive knowledge and experience in finance have been instrumental in her role, allowing her to provide sound advice to clients and help them achieve their financial goals. Outside of her professional life, Melanie enjoys various activities during her free time. She finds solace in long dog walks, indulges in cooking, explores nature through hiking, and finds joy in reading. Above all, she cherishes spending quality time with her loved ones, prioritizing family and friends. Melanie's diverse experiences, educational background, and passion for both finance and personal connections make her a well-rounded and exceptional individual in her field.
About Julian Gurule
Julian is a driven and accomplished individual who is currently pursuing a BBA Business Administration degree at the University of New Mexico. Originally hailing from the small town of Penasco in Northern New Mexico, Julian now resides in Albuquerque, where he is actively involved in both his community and professional endeavors.
Julian's professional journey has been diverse and impressive. He spent six years as a General Manager for Aaron's Inc., where he demonstrated exceptional leadership skills and contributed to the company's success. Subsequently, he worked as an Insurance Producer for Allstate for two years, utilizing his knowledge and experience to provide valuable insurance solutions to clients. Julian then transitioned to a role as a Support Professional for LPL Financial, where he further honed his financial skills and assisted clients in achieving their financial goals. In July of 2023, Julian joined the esteemed team at Morgan Stanley, where he continues to make a significant impact.
Outside of his professional pursuits, Julian finds solace and fulfillment in various activities. He cherishes spending time outdoors, engaging in activities such as hunting, fishing, and camping. Working on his father's ranch is another passion that allows him to connect with nature and embrace his roots. Julian values physical fitness and makes it a priority by regularly attending the gym. Recently, he has developed a keen interest in smoking BBQ and playing golf, enjoying these new hobbies as a way to unwind and explore new experiences. Julian's bilingual abilities in both Spanish and English are a valuable asset, allowing him to connect with and serve a diverse range of clients. He takes great pride in his cultural heritage and is actively involved in the Hispano Chamber of Commerce, contributing to the advancement of his community. Family is also an important aspect of Julian's life, and he is a proud uncle to two nephews and a niece. Their presence brings him joy and reminds him of the importance of love and support within the family unit. Julian's passion for his work, dedication to his community, and zest for life make him a remarkable individual. His commitment to personal growth and his ability to connect with others are qualities that set him apart in both his personal and professional life.
Julian's professional journey has been diverse and impressive. He spent six years as a General Manager for Aaron's Inc., where he demonstrated exceptional leadership skills and contributed to the company's success. Subsequently, he worked as an Insurance Producer for Allstate for two years, utilizing his knowledge and experience to provide valuable insurance solutions to clients. Julian then transitioned to a role as a Support Professional for LPL Financial, where he further honed his financial skills and assisted clients in achieving their financial goals. In July of 2023, Julian joined the esteemed team at Morgan Stanley, where he continues to make a significant impact.
Outside of his professional pursuits, Julian finds solace and fulfillment in various activities. He cherishes spending time outdoors, engaging in activities such as hunting, fishing, and camping. Working on his father's ranch is another passion that allows him to connect with nature and embrace his roots. Julian values physical fitness and makes it a priority by regularly attending the gym. Recently, he has developed a keen interest in smoking BBQ and playing golf, enjoying these new hobbies as a way to unwind and explore new experiences. Julian's bilingual abilities in both Spanish and English are a valuable asset, allowing him to connect with and serve a diverse range of clients. He takes great pride in his cultural heritage and is actively involved in the Hispano Chamber of Commerce, contributing to the advancement of his community. Family is also an important aspect of Julian's life, and he is a proud uncle to two nephews and a niece. Their presence brings him joy and reminds him of the importance of love and support within the family unit. Julian's passion for his work, dedication to his community, and zest for life make him a remarkable individual. His commitment to personal growth and his ability to connect with others are qualities that set him apart in both his personal and professional life.
About Katherine Woods
Katherine Woods is a Portfolio Associate with 30 years’ experience in the financial services industry, (28 years with Morgan Stanley). Katherine has held various positions with the firm and maintains her FINRA Series 31, 63, 65, 7 licenses. She graduated from the University of New Mexico with a BA in Economics and is currently continuing her professional development in financial planning.
As a senior member of the service team, her extensive background in the industry has been instrumental in her role, allowing her to provide thoughtful direction and advice to both her team and clients. She is a highly accomplished professional with a strong background in client service and team management. Her professional interests include the education and empowerment of women and senior investors.
Katherine enjoys spending time with her husband and kids as well as her pack of long haired dachshunds and parrots, learning the Cello, swimming and bird watching.
As a senior member of the service team, her extensive background in the industry has been instrumental in her role, allowing her to provide thoughtful direction and advice to both her team and clients. She is a highly accomplished professional with a strong background in client service and team management. Her professional interests include the education and empowerment of women and senior investors.
Katherine enjoys spending time with her husband and kids as well as her pack of long haired dachshunds and parrots, learning the Cello, swimming and bird watching.

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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Turquoise Sky Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4When 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Alternative 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.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4When 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Alternative 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.
7Morgan 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.
8When 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.
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Awards Disclosures
CRC 6491812 (04/2024)