Phone:
(973) 236-3644(973) 236-3644
The Trilogy Group at Morgan Stanley
Our Mission Statement
Our role as Fiduciaries is to help you grow and protect your wealth. Our Mission is to help families plan and prepare for the responsibilities that come with maintaining and managing that wealth.
Our Story
The Trilogy Group believes that in order to define what your legacy is F.O.R. (Family, Occupation, Recreation), it must begin with a comprehensive wealth strategy tailored to your family’s goals and needs. We focus our efforts on working with three primary groups of clients, select corporate executives, business owners and PwC Partners as part of the BSP - Select Advisor Program.
The Trilogy Group employs a Financial Planning process that is akin to building a home. The foundation is rooted in an emergency fund with appropriate insurance coverages. The structure is focused on the identification of family goals and the implementation of saving, investments, debt, and spending strategies. Just as any home requires maintenance or updates, so does your financial plan. Some of the updates may be small adjustments akin to changing wall color while others will be more involved, closer to a remodel or addition to the home. Plans are proactively monitored and designed to grow with your family and its evolving legacy.
While the majority of our relationships begin with a single generation of a family, they often become multi-generational quickly. Typically the generation we initially engage with is the first to have accumulated wealth and our efforts have been focused on the maintenance and transfer of said wealth. Recently we have begun to engage the third (youngest) generation, as they prepare to become adults and establish themselves.
The Trilogy Group has been recognized as one of the leading wealth management teams in the United States:
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025). Data compiled by SHOOK Research LLC based on a time period from 3/31/23-3/31/24. https://mgstn.ly/3wb7pSG
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
The Trilogy Group employs a Financial Planning process that is akin to building a home. The foundation is rooted in an emergency fund with appropriate insurance coverages. The structure is focused on the identification of family goals and the implementation of saving, investments, debt, and spending strategies. Just as any home requires maintenance or updates, so does your financial plan. Some of the updates may be small adjustments akin to changing wall color while others will be more involved, closer to a remodel or addition to the home. Plans are proactively monitored and designed to grow with your family and its evolving legacy.
While the majority of our relationships begin with a single generation of a family, they often become multi-generational quickly. Typically the generation we initially engage with is the first to have accumulated wealth and our efforts have been focused on the maintenance and transfer of said wealth. Recently we have begun to engage the third (youngest) generation, as they prepare to become adults and establish themselves.
The Trilogy Group has been recognized as one of the leading wealth management teams in the United States:
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025). Data compiled by SHOOK Research LLC based on a time period from 3/31/23-3/31/24. https://mgstn.ly/3wb7pSG
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Digital Tools
Our goal is simple: “To be the firm where the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their life goals.” The Firm strives to ensure it serves clients on market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online
Your investments and everyday finances are always a few clicks away with Morgan Stanley Online and the Morgan Stanley Mobile App.
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Total Wealth View
Gain a complete financial picture with Total Wealth View. By linking your outside account information, you can have a holistic financial plan aimed at achieving your short and long term goals.
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LifeView: Plan for Your Future
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. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
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CashPlus
The CashPlus Brokerage Account is a modern alternative to banking which also offers complimentary Identity and Credit Protection from Experian®, helping to safeguard your identity and financial future.
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Digital Vault
Keeping important documents and financial records organized and readily available is one 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.
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Aladdin
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Morgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Learn How Aladdin Can Help YouMorgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Morgan Stanley Reserved Living & Giving
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in Reserved Living & Giving program. As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
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Reserved Insights
Curated insights and articles spanning such topics as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
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Signature Access
Signature Access, the highest tier of Morgan Stanley's complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
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We want to provide you with the most recent, timely and important information so you can feel informed and educated during these difficult times. We will be periodically updating these links in order to keep the most important information top of mind.
Debt Ceiling: What's Next
Investors may breathe a sigh of relief following the debt-ceiling resolution, but the risk of heightened market volatility still looms large. Read the article below to learn more.
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4.00% Annual Percentage Yield Preferred Savings
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Ai and Cybersecurity: A New Era
The battle between cybercriminals and cybersecurity teams has extended to the world of AI. Learn how to protect yourself.
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Tax Reminders
The breakdown provides high-level summaries of complex tax rules. Consult with your tax advisor as to how the rules discussed below apply to your situation.
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Social Security Cola Increase
As of January 2023, Social Security payments will go up by 8.7%. These rate increases are adjusted annually with inflation and reflected as the cost of living.
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6 Ways to Reduce Your Tax Bill
Your federal income-tax return may not be top-of-mind once tax season has passed, but you may want to take another look at it. Your IRS Form 1040 tax return may reveal important information about your personal finances—and shed light on valuable opportunities for future savings.
Learn MoreLocation
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(855) 317-7211(855) 317-7211
Meet The Trilogy Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(973) 660-4733(973) 660-4733
Phone:
(973) 236-3635(973) 236-3635
James Farrell
Financial Advisor
Phone:
(973) 236-3503(973) 236-3503
Steven Bredahl
Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation, Qualified Plan Financial Consultant
Phone:
(973) 236-3582(973) 236-3582
Brooke Benna
Client Service Associate
Phone:
(973) 660-4661(973) 660-4661
About Christopher Lutz
Chris is the founder and senior member of The Trilogy Group, leading a team of dedicated professionals whose goal is to help successful families streamline and manage the complexities of their wealth. With over three decades of industry experience and appearances on Forbes Best-in-State Advisors since 2019, Chris leads the team's new business development efforts as well as oversight of the team’s overall investment strategy, monitoring and selection of investment managers.
Born and raised in New Jersey, Chris graduated with BA from Muhlenberg College, PA where he was a lineman on the football team. Chris is a board member of the Wells Mountain Initiative, a non-profit organization providing bright young people in developing economies with educational scholarships. He and his wife Alison live in Madison, N.J. with their three children Paige, Matthew, and Alexandra. Locally, Chris is a board member of Madison Junior Lacrosse as well as the Madison Recreation Advisory Committee. An avid fisherman and golfer, Chris enjoys spending his down time with his family and their Labrador retriever, Buddy.
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Born and raised in New Jersey, Chris graduated with BA from Muhlenberg College, PA where he was a lineman on the football team. Chris is a board member of the Wells Mountain Initiative, a non-profit organization providing bright young people in developing economies with educational scholarships. He and his wife Alison live in Madison, N.J. with their three children Paige, Matthew, and Alexandra. Locally, Chris is a board member of Madison Junior Lacrosse as well as the Madison Recreation Advisory Committee. An avid fisherman and golfer, Chris enjoys spending his down time with his family and their Labrador retriever, Buddy.
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NH, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KY, LA, MA, MD, ME, MI, MN, MS, MT, NC, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TX, UT, VA, VT, WA, WV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297774
NMLS#: 1297774
About Joseph Rumore
Joe has spent his career helping families successfully plan for their future. He is a CERTIFIED FINANCIAL PLANNER, CFP® in charge of The Trilogy Group's financial planning operations, and is responsible for developing comprehensive financial plans for the group’s high net worth clients. Finally, Joe is in charge of our PwC practice, assisting Senior Staff, Principals and Partners to design and implement their family’s financial plans; doing so in accordance with PwC’s Independence Protocols through the Brokerage Simplification Program (BSP).
Joe joined Morgan Stanley in 2008 after spending five years at Citigroup’s Smith Barney division. In 2019 he was named to Forbes list of the Top Next-Gen Wealth Advisors. A graduate of the University of Pennsylvania with a BA in Economics, Joe is acutely conscious of the opportunities his passions have provided him, specifically through sport. To this end he dedicates each spring to coaching youth lacrosse and conducts alumni interviews of prospective Penn students. Joe is an avid golfer and member of White Beeches Country Club in Haworth, NJ. Joe and his wife, Sarah, reside in Ridgewood, NJ.
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Joe joined Morgan Stanley in 2008 after spending five years at Citigroup’s Smith Barney division. In 2019 he was named to Forbes list of the Top Next-Gen Wealth Advisors. A graduate of the University of Pennsylvania with a BA in Economics, Joe is acutely conscious of the opportunities his passions have provided him, specifically through sport. To this end he dedicates each spring to coaching youth lacrosse and conducts alumni interviews of prospective Penn students. Joe is an avid golfer and member of White Beeches Country Club in Haworth, NJ. Joe and his wife, Sarah, reside in Ridgewood, NJ.
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KY, LA, MA, MD, ME, MI, MN, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TX, UT, VA, VT, WA, WV; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278832
NMLS#: 1278832
About Matthew Langan
Matt accepted a full-time position with The Trilogy Group in August of 2011 after serving as an associate during the summers of 2009 and 2010. He is recognized as a member of Morgan Stanley Wealth Management Pacesetter's Club, a global recognition program for Financial Advisors who, within their first five years, demonstrate the highest professional standards and first-class client service.
He manages the team's proprietary investment strategies, seeking capital appreciation, preservation and/or income. He is responsible for researching investment and strategy ideas, assisting in asset allocation decisions and working alongside his partners on new business development. He has successfully completed his Series 7, 31 and 66 licensing examinations.
Matt is a graduate of Loyola University, MD where he earned his BA and was a member of the varsity lacrosse team. During his time as a member of the lacrosse team, he was elected Captain, MVP and chosen as a USILA Scholar All American. He is actively involved in his hometown community of Madison, NJ where he volunteers for the youth recreational sports programs and travel programs, while serving as an acting Board Member for the Madison Junior Lacrosse Club, a nonprofit organization formed to promote the sport of lacrosse in the Borough of Madison, NJ and the Township of Harding, NJ. He also volunteers for the Covenant House New Jersey, a nonprofit charity serving homeless youth with a network of shelters across the Americas. Matt is a member of Morris County Golf Club of Morristown, NJ.
He manages the team's proprietary investment strategies, seeking capital appreciation, preservation and/or income. He is responsible for researching investment and strategy ideas, assisting in asset allocation decisions and working alongside his partners on new business development. He has successfully completed his Series 7, 31 and 66 licensing examinations.
Matt is a graduate of Loyola University, MD where he earned his BA and was a member of the varsity lacrosse team. During his time as a member of the lacrosse team, he was elected Captain, MVP and chosen as a USILA Scholar All American. He is actively involved in his hometown community of Madison, NJ where he volunteers for the youth recreational sports programs and travel programs, while serving as an acting Board Member for the Madison Junior Lacrosse Club, a nonprofit organization formed to promote the sport of lacrosse in the Borough of Madison, NJ and the Township of Harding, NJ. He also volunteers for the Covenant House New Jersey, a nonprofit charity serving homeless youth with a network of shelters across the Americas. Matt is a member of Morris County Golf Club of Morristown, NJ.
Securities Agent: ME, LA, DC, CT, CA, CO, NC, OK, KY, MA, NY, WA, AZ, MT, TX, OR, NH, FL, AR, MS, MI, MD, IL, GA, DE, VT, PA, NV, NJ, OH, RI, SC, VA, WV, UT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262369
NMLS#: 1262369
About James Farrell
Jim Farrell is a Morgan Stanley Financial Advisor in Florham Park, NJ. He joins The Trilogy Group at Morgan Stanley after spending 25 years working in institutional equity sales and trading.
Jim began his career in finance on the Chicago Board of Options. Over the next 20 years, he worked at several global financial firms, including Merrill Lynch, JP Morgan and Santander. From his extensive institutional investment experience, Jim has developed a deep and thorough understanding of the complexities of the world’s financial markets. In addition to providing excellent client service, his skills include an aptitude to identify new growth opportunities and risk management.
Jim is a seasoned professional that helps accomplished individuals, senior executives, families and business proprietors build and preserve wealth. He utilizes Morgan Stanley’s technology platform and vast resources to create individualized, comprehensive financial plans for his clients.
Jim grew up in Gladstone, NJ in a large family; he was the youngest among six children. He met his wife Karin at Bernardsville High School and they both attended The University of Lynchburg, VA. After living in Madison, NJ for twenty years, they recently moved to New Vernon NJ with their three children Madeleine, Charlie and Elizabeth.
Jim began his career in finance on the Chicago Board of Options. Over the next 20 years, he worked at several global financial firms, including Merrill Lynch, JP Morgan and Santander. From his extensive institutional investment experience, Jim has developed a deep and thorough understanding of the complexities of the world’s financial markets. In addition to providing excellent client service, his skills include an aptitude to identify new growth opportunities and risk management.
Jim is a seasoned professional that helps accomplished individuals, senior executives, families and business proprietors build and preserve wealth. He utilizes Morgan Stanley’s technology platform and vast resources to create individualized, comprehensive financial plans for his clients.
Jim grew up in Gladstone, NJ in a large family; he was the youngest among six children. He met his wife Karin at Bernardsville High School and they both attended The University of Lynchburg, VA. After living in Madison, NJ for twenty years, they recently moved to New Vernon NJ with their three children Madeleine, Charlie and Elizabeth.
Securities Agent: WI, DE, WV, WA, VT, VA, RI, SC, TX, OH, NV, NM, NJ, UT, KY, MO, MA, ME, MD, MN, LA, NC, IN, MT, MI, IL, HI, NH, GA, FL, CO, CA, AZ, DC, CT, AR, PA, OR, OK, MS, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1920564
NMLS#: 1920564
About Steven Bredahl
Steve joined the Trilogy Group of Florham Park after spending over 25 years as a broker in the financial markets. Steve started as a broker and then was promoted to Senior Vice President and manager of a team focusing on fixed income derivatives including swaps, options and exotic structures for Tullett Prebon, Inc., an international financial intermediary. Steve uses his extensive knowledge of the financial markets while leveraging the vast resources of Morgan Stanley to help business owners, corporate executives and other high net worth families and individuals reach their financial goals.
Steve earned a Bachelor of Arts degree from the University of Delaware in Political Science. He is SIE, Series 7 & Series 66 licensed and is currently pursuing the Certified Financial Planning designation. He is a member of the Estate Planning Council of Northern New Jersey, Morris County Chamber of Commerce and other business organizations. Steve currently volunteers his free time with the American Red Cross and Harlem Lacrosse after spending many years as a volunteer coach of youth football and lacrosse in Chatham, NJ.
Steve has been an active member of the Chatham community for many years. He currently lives in Morris Twp., NJ with his wife Andrea and is the proud Father of 3 recent college graduates, Elizabeth, Christopher and Mac.
Steve earned a Bachelor of Arts degree from the University of Delaware in Political Science. He is SIE, Series 7 & Series 66 licensed and is currently pursuing the Certified Financial Planning designation. He is a member of the Estate Planning Council of Northern New Jersey, Morris County Chamber of Commerce and other business organizations. Steve currently volunteers his free time with the American Red Cross and Harlem Lacrosse after spending many years as a volunteer coach of youth football and lacrosse in Chatham, NJ.
Steve has been an active member of the Chatham community for many years. He currently lives in Morris Twp., NJ with his wife Andrea and is the proud Father of 3 recent college graduates, Elizabeth, Christopher and Mac.
Securities Agent: NV, TN, OR, WV, WI, WA, VT, VA, UT, TX, SC, RI, PA, OK, OH, NY, NM, NJ, NH, NC, MT, MO, MN, ME, MD, MA, KY, IN, IL, GA, FL, DE, DC, CT, CO, CA, AZ, AR, MI, LA, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1817040
NMLS#: 1817040
About Brooke Benna
Brooke joined the Trilogy Group in January of 2022, and enhances the client experience by providing exceptional client service, supporting branch functions, assisting in safeguarding client assets, and serving as administrative and operational support to Financial Advisors.
Brooke is a graduate of SUNY Plattsburgh where she earned her BA, and was a member of the Varsity Women’s Basketball Team. During her time as a member, she was elected co-captain, named Vice President of the Student Athletic Advisory Committee, achieved the Student-Athlete Academic Honor Roll, and received The Maple Leaf Award for outstanding community service contributions. Brooke continues to stay active while playing in different leagues with her friends, and rooting for her favorite sports teams.
Brooke is a graduate of SUNY Plattsburgh where she earned her BA, and was a member of the Varsity Women’s Basketball Team. During her time as a member, she was elected co-captain, named Vice President of the Student Athletic Advisory Committee, achieved the Student-Athlete Academic Honor Roll, and received The Maple Leaf Award for outstanding community service contributions. Brooke continues to stay active while playing in different leagues with her friends, and rooting for her favorite sports teams.
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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:
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Trilogy Group today.
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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.
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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.
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7Morgan 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.
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Awards Disclosures
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 (“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.
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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)