Doug Carter
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(530) 222-7314(530) 222-7314
The Trinity Group at Morgan Stanley
Direct:
(530) 223-4200(530) 223-4200
Toll-Free:
(800) 733-6126(800) 733-6126
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Welcome
The Trinity Group at Morgan Stanley is an experienced team of wealth managers and planners. We can help you navigate the complexities that come with financial success, so you and your family are free to focus on the people, issues and activities that enrich your lives. Whether it is preparing for retirement or retiring, selling/exiting a business, making a career transition, or dealing with challenging life events, we are here to help.
We work with a wide range of clients including business owners, executives, accomplished professionals and their families. We provide the experience and resources to help them preserve what they have attained, pursue their most important goals, and simplify every aspect of their financial lives.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- Asset Management
- Professional Portfolio ManagementFootnote4
- Estate Planning StrategiesFootnote5
- Trust AccountsFootnote6
- Cash Management and Lending ProductsFootnote7
- Planning for Education FundingFootnote8
- Business PlanningFootnote9
- Alternative InvestmentsFootnote10
- Structured ProductsFootnote11
- Life InsuranceFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
The goal of our process is to help you create a comprehensive wealth management plan to reach your most important personal and professional goals. We begin by learning about your history, your family, your interests, concerns and aspirations. We collaborate with your CPA and estate attorney to familiarize ourselves with your existing estate planning and coordinate our strategies. We work with you to develop a plan that includes not just investments, but also ways to help mitigate taxes, manage your everyday finances and address borrowing needs.
This discovery process enables us to develop an appropriate plan designed to help preserve and grow your wealth. Once implemented, we closely monitor your strategy to make sure it stays current with your goals in an ever-changing financial and personal world.
Discover
- Understand your financial goals, obstacles and preferences
- Gather documentation
- Open dialogues with your accountant and attorney, if required
Advise
- Develop a personalized financial plan
- Design an investment portfolio
- Create a schedule for briefings and reviews
Implement
- Initiate your financial plan
- Phase in the investment recommendations
- Enroll in selected services
- Review forthcoming client statements
Track Progress
- Evaluate progress according to the plan
- Adjust the plan and investments when needed
- Inform you, your accountant and your attorney of notable developments
- Help you navigate timely options and opportunities
Morgan Stanley Resources
At Morgan Stanley, we provide clients with easily digestible financial analysis from our market research experts. The links below provide further insight on the markets and economic landscape.
GIC on the Markets
The Global Investment Committee's Lisa Shalett and Dan Skelly provide insightful commentary on the markets while covering key areas to help investors with the financial landscape.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Morgan Stanley Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Personal Cybersecurity Checklist
Whether it's strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to help reduce the threat of identity theft, online scams, malware, fraud and more.
Alternative Investments
Alternative investments can offer compelling opportunities to help grow and protect your wealth through the potential for reduced volatility, enhanced returns, income generation, and tax efficiency.
Preparing for Retirement: A 6-Step Checkup
Given recent market volatility, checking in on your retirement plan may make a lot of sense. Check out this article for a wealth of knowledge on how to be in good standing for retirement through the ebbs and flows of the market.
Tax Efficient Investing
Our Financial Advisors work with even the most complex financial portfolios. We're also well versed in both family and business dynamics - important elements in many financial issues.
In addition, we have a deep understanding of market trends and the global economic landscape. We give you objective, understandable advice, so you can invest with confidence.
We will work alongside your current tax and estate professionals to acheieve a complete, tax-efficient financial plan.
Achieve Your Dream Retirement
At Morgan Stanley, we help you build a clear, personalized path to the retirement you've always envisioned. Whether you're just getting started or nearing retirment, our team will provide guidance, strategies and ongoing support to help turn your retirement dreams into reality.
Retirement Lifestyle
When you envision your ideal retirement, what does it look like? Everyone's dream is different, but it is essential to discuss your goals with us so we can plan ahead for your spending needs.
Retirement Challenges
This phase of your life will look very different from the previous ones. It is important to be aware of key challenges faced by retirees. We will be proactive in overcoming challenges in the market and beyond.
Retirement Checkup
We will work together to help make sure you are on track during retirement, but there's a few things you can do on your own to ensure your financial confidence. We will focus on strategies designed to minimize risk and maximize income as you approach retirement.
Retirement Tax Strategies
Consider these tax-efficient strategies to help you save more for retirement. We want to keep as much of what you've worked hard to save by reducing taxable income and generating tax-advantaged growth potential. Let's strengthen your financial legacy together.
Location
310 Hemsted Dr
Ste 100
Redding, CA 96002
US
Direct:
(530) 223-4200(530) 223-4200
Toll-Free:
(800) 733-6126(800) 733-6126
400 Capitol Mall
Ste 1900
Sacramento, CA 95814
US
Direct:
(916) 567-2045(916) 567-2045
Meet The Trinity Group
David Carter
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(530) 222-7307(530) 222-7307
Jerald Sax
First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(530) 222-7308(530) 222-7308
Mark Stevenson, MBA
Financial Advisor, Financial Planning Specialist
Phone:
(916) 567-2045(916) 567-2045
Maria Whittle
Portfolio Associate
Phone:
(530) 223-4200(530) 223-4200
About Doug Carter
As a Series 7 and Series 66 licensed investment professional since 1999, Doug is the founding member of the Trinity Group at Morgan Stanley. Through many market cycles he has worked closely with clients to develop the right investment strategy. After working with the team to create an optimal financial strategy, he assists clients in incorporating multi-generational wealth management and estate planning strategies.
Doug started the Trinity Group at Morgan Stanley after recruiting his twin brother, David, into the business in 2006. The team has now grown to include six members, creating a top-level group with 140 years of financial industry experience between them. It is with this knowledge and diversity that provides clients with an exceptional and comprehensive financial experience.
Doug is married to his wife, Kelley, and they have three children. He lives primarily in Redding but also often spends time on the Northern California coast, where they have a residence in the coastal community of Arcata. While staying oceanside, Doug maintains an office in the Morgan Stanley Eureka, CA branch.
Doug started the Trinity Group at Morgan Stanley after recruiting his twin brother, David, into the business in 2006. The team has now grown to include six members, creating a top-level group with 140 years of financial industry experience between them. It is with this knowledge and diversity that provides clients with an exceptional and comprehensive financial experience.
Doug is married to his wife, Kelley, and they have three children. He lives primarily in Redding but also often spends time on the Northern California coast, where they have a residence in the coastal community of Arcata. While staying oceanside, Doug maintains an office in the Morgan Stanley Eureka, CA branch.
Securities Agent: GA, KY, OR, OH, NY, IL, AZ, VA, UT, NJ, LA, AK, WV, OK, MT, WA, MI, ID, AR, WY, NM, TN, CO, SC, CA, TX, NV, NE, FL, MO, MA, KS, HI, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1295600
CA Insurance License #: 0C86785
NMLS#: 1295600
CA Insurance License #: 0C86785
About David Carter
David has been a wealth advisor since 2007 after spending 10 years in corporate business in the SF Bay Area. As part of the team’s investment committee, David develops portfolio strategies and focuses on equity research, asset allocation, and income structures. His varied background in business, analytics, and finance enables David to help develop customized investment proposals to fit a client’s financial objectives.
A 5th generation resident of Northern California, David lives in Redding with his wife, Angie, and two children. His parents, grandparents, and great-grandparents all had close ties to the local community through careers in law and education. Continuing this community relationship, David believes that it is this connection that produces a passion for helping families make the right financial choices.
David enjoys spending time in the outdoors and away from work can often be found hiking, biking, fishing, and gardening. His ideal day is sharing those pursuits with his wife and children.
A 5th generation resident of Northern California, David lives in Redding with his wife, Angie, and two children. His parents, grandparents, and great-grandparents all had close ties to the local community through careers in law and education. Continuing this community relationship, David believes that it is this connection that produces a passion for helping families make the right financial choices.
David enjoys spending time in the outdoors and away from work can often be found hiking, biking, fishing, and gardening. His ideal day is sharing those pursuits with his wife and children.
Securities Agent: MS, MO, MN, MI, ME, MD, MA, LA, KS, IN, IL, ID, HI, GA, FL, DE, DC, CT, CA, AZ, AR, AL, AK, IA, KY, NH, NJ, PA, VI, VT, WV, CO, WY, WI, WA, VA, UT, TX, TN, SD, SC, RI, PR, OR, OK, OH, NY, NV, NM, NE, ND, NC, MT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1295550
NMLS#: 1295550
About Jerald Sax
Jerry has been an investment professional in the financial industry since 1992 with a background in investments, banking, and finance management. Jerry’s practice at Morgan Stanley focuses on asset management and financial planning for individuals and businesses. He works with clients to preserve and grow their wealth through investment strategies which include discretionary portfolio management, as well as integrated wealth and investment planning. As a Morgan Stanley licensed Senior Portfolio Manager, Jerry helps develop customized investment models designed to meet the financial objectives of the Trinity Group’s clients.
Jerry holds a General Securities License (Series 6 and 7), an Investment Advisor license (Series 63 and 66), and a California Insurance License #0A98958. He received a Bachelor of Science in Business Administration at California State University, Chico and a Portfolio Manager designation through Morgan Stanley.
A 28 year resident of Northern California, Jerry resides in Redding with his wife. He enjoys spending time with his family and is an avid baseball fan. His hobbies include hunting and fishing and rarely does a weekend go by without finding him exploring the rivers, lakes, and woods the Northstate has to offer.
Jerry holds a General Securities License (Series 6 and 7), an Investment Advisor license (Series 63 and 66), and a California Insurance License #0A98958. He received a Bachelor of Science in Business Administration at California State University, Chico and a Portfolio Manager designation through Morgan Stanley.
A 28 year resident of Northern California, Jerry resides in Redding with his wife. He enjoys spending time with his family and is an avid baseball fan. His hobbies include hunting and fishing and rarely does a weekend go by without finding him exploring the rivers, lakes, and woods the Northstate has to offer.
Securities Agent: KS, AK, AR, AZ, CA, CO, FL, GA, HI, ID, IL, MI, MT, NE, NM, NV, NY, OH, OK, OR, SC, TN, TX, UT, VA, WA, WY, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1395626
CA Insurance License #: 0A98958
NMLS#: 1395626
CA Insurance License #: 0A98958
About Mark Stevenson, MBA
Mark Stevenson is a Financial Planning Specialist, Financial Advisor at Morgan Stanley. His main goal is to assist families identify and realize their financial goals with confidence.
He started his career as a Private Banker at J.P Morgan before moving to Wells Fargo in a similar role. Mark then went into a management role with Fidelity Investments before joining Morgan Stanley. Mark initially joined Morgan Stanley in a leadership capacity as a Business Service Manager, leading the support staff who work with clients on a daily basis. Mark then joined The Trinity Group to be one of their Financial Advisors.
Mark was born and raised in Scotland where he spent the first 26 years of his life. He came to America in 2017 when he married his wife Natalie. They have been blessed with three wonderful children, Sophie, Emma and Rory.
While working full time, he obtained a MBA degree in Finance from California State University Sacramento. In his spare time, Mark likes to play soccer, golf, and spend time with his family.
He started his career as a Private Banker at J.P Morgan before moving to Wells Fargo in a similar role. Mark then went into a management role with Fidelity Investments before joining Morgan Stanley. Mark initially joined Morgan Stanley in a leadership capacity as a Business Service Manager, leading the support staff who work with clients on a daily basis. Mark then joined The Trinity Group to be one of their Financial Advisors.
Mark was born and raised in Scotland where he spent the first 26 years of his life. He came to America in 2017 when he married his wife Natalie. They have been blessed with three wonderful children, Sophie, Emma and Rory.
While working full time, he obtained a MBA degree in Finance from California State University Sacramento. In his spare time, Mark likes to play soccer, golf, and spend time with his family.
Securities Agent: KS, WV, OR, MI, NE, HI, CT, NM, NJ, NH, IA, DE, CA, TX, OK, MT, ME, DC, AK, PA, NC, MD, ID, AZ, AR, VI, VA, RI, KY, CO, WY, PR, MN, IN, GA, FL, OH, NV, ND, MO, MA, AL, WI, WA, VT, UT, TN, NY, LA, IL, SD, SC, MS; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1766572
CA Insurance License #: 0M57414
NMLS#: 1766572
CA Insurance License #: 0M57414
About Maria Whittle
With 37 years of experience in the financial services industry, Maria has multifaceted duties which comprise coordinating and managing the daily and ad hoc administrative and operational tasks for the Trinity Group. She is responsible for implementing business management systems and providing excellent customer service to clients. Utilizing her attention to detail, she provides operational support to team members and assists clients on a daily basis.
Maria continues to be active in her community through neighborhood programs which she feels enhances communication and friendships. In her free time Maria enjoys being with her family and likes hiking, camping, and reading, as well as a passion for traveling. Maria lives in Redding with her husband of 25 years, Jim, and their daughter, Bella.
Maria continues to be active in her community through neighborhood programs which she feels enhances communication and friendships. In her free time Maria enjoys being with her family and likes hiking, camping, and reading, as well as a passion for traveling. Maria lives in Redding with her husband of 25 years, Jim, and their daughter, Bella.
CA Insurance License #: 0G54468
Contact Doug Carter
Contact David Carter
Contact Jerald Sax
Contact Mark Stevenson, MBA
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Trinity Group today.
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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’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.
5Morgan 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.
6Morgan 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.
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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan 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.
10Alternative 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’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.
5Morgan 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.
6Morgan 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.
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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan 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.
10Alternative 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)