Bartosz Bak, CFP®
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(630) 203-6168(630) 203-6168
The True Horizon Group at Morgan Stanley
Direct:
(630) 203-6168(630) 203-6168
Direct:
(630) 203-6172(630) 203-6172
Our Mission Statement
Experienced wealth planning services for your life and legacy goals
Welcome to The True Horizon Group
At The True Horizon Group, we focus on empowering affluent families, business owners, corporate executives, young professionals, and entrepreneurs across the nation. Our mission is to deliver financial advice that is unbiased, precise, and forward-thinking—customized to meet the distinct needs of each client.
We distinguish ourselves through our concierge-level service model, which includes seamless coordination with our clients' broader professional network of attorneys, CPAs, and business consultants. This integrated approach helps ensure all aspects of our clients' financial lives work in harmony.
Understanding comes before action - this principle guides every client relationship. We take the time to thoroughly comprehend your financial situation, goals, and concerns before making any recommendations. Our team prides itself on presenting sophisticated financial solutions in clear, accessible terms while maintaining the highest level of professional service.
In a world of constant change in the financial, business, and political arenas, our commitment to staying ahead is unwavering. This dedication requires consistent effort and a commitment to expanding our team’s knowledge base. We leverage insights from Morgan Stanley’s Global Investment Committee, as well as perspectives from leading institutional money managers worldwide. This multifaceted approach is crucial in shaping our capital allocation strategies, setting us apart, and contributing significantly to our clients' financial success.
As part of Morgan Stanley, we combine the personal attention of a boutique practice with the resources and capabilities of one of the world's leading financial institutions.
We distinguish ourselves through our concierge-level service model, which includes seamless coordination with our clients' broader professional network of attorneys, CPAs, and business consultants. This integrated approach helps ensure all aspects of our clients' financial lives work in harmony.
Understanding comes before action - this principle guides every client relationship. We take the time to thoroughly comprehend your financial situation, goals, and concerns before making any recommendations. Our team prides itself on presenting sophisticated financial solutions in clear, accessible terms while maintaining the highest level of professional service.
In a world of constant change in the financial, business, and political arenas, our commitment to staying ahead is unwavering. This dedication requires consistent effort and a commitment to expanding our team’s knowledge base. We leverage insights from Morgan Stanley’s Global Investment Committee, as well as perspectives from leading institutional money managers worldwide. This multifaceted approach is crucial in shaping our capital allocation strategies, setting us apart, and contributing significantly to our clients' financial success.
As part of Morgan Stanley, we combine the personal attention of a boutique practice with the resources and capabilities of one of the world's leading financial institutions.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Financial PlanningFootnote4
- Alternative InvestmentsFootnote5
- Executive Financial ServicesFootnote6
- Business Succession PlanningFootnote7
- 401(k) Rollovers
- Trust ServicesFootnote8
- Estate Planning StrategiesFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Five-Step Approach to Building Your Financial Future:
#1) Understanding Your Vision
We begin by getting to know you—your family, your aspirations, your financial landscape. This in-depth discovery process explores your assets, liabilities, risk tolerance, and opportunities, allowing us to craft a truly personalized strategy.
#2) Designing Your Roadmap
Armed with a deep understanding of your goals, our team collaborates to design a comprehensive wealth management strategy tailored specifically to you and your family's needs.
#3) Refining Your Plan
We present you with a detailed plan and review it together, helping ensure it aligns with your vision and addresses every aspect of your financial well-being.
#4) Plan Execution
With your approval, we meticulously implement your personalized advanced planning and investment management strategies, putting your plan into motion.
#5) Continuous Oversight
Your financial life is dynamic. We provide ongoing monitoring, regular reviews, and comprehensive reporting, collaborating with your other advisors (tax, legal, etc.) to help ensure your strategy adapts to life's changes and keeps you on track toward your goals.
Morgan 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 https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf
Our Clients
We help people just like you, in various stages of life.
We understand that your specific circumstances may require unique solutions. No problem: we’ll work with you individually to develop detailed wealth plans and thoughtful strategies.
We understand that your specific circumstances may require unique solutions. No problem: we’ll work with you individually to develop detailed wealth plans and thoughtful strategies.
Our satisfied clients include:
- Business Owners (including family businesses)
- Corporate executives
- High net worth young investors
- Mid-career professionals and their families
- Seniors near or in retirement
- Professionals such at Attorneys and CPA's
- Polish Entrepreneurs & Families
Location
2211 York Rd
Ste 100
Oak Brook, IL 60523
US
Direct:
(630) 203-6168(630) 203-6168
Meet The True Horizon Group
Tyler Van Lul
Financial Advisor
Phone:
(630) 203-6172(630) 203-6172
Garneth Ramos
Registered Client Service Associate
Phone:
(630) 573-9712(630) 573-9712
About Bartosz Bak
Bartosz (Bart) Bak serves as a Vice President and Portfolio Manager within Morgan Stanley’s Wealth Management Division. As the founding member of the True Horizon Group, located in Morgan Stanley’s Oakbrook, IL office, Bart is committed to delivering exceptional financial advisory services. With over two decades of financial industry experience, Bart has established himself as a trusted advisor to a diverse clientele across the United States.
Bart is dedicated to guiding clients towards their financial aspirations through a comprehensive understanding of their goals, meticulous financial and investment planning, and strategic execution of investment management solutions. As a Certified Financial Planner™ professional, Bart brings a holistic and thorough approach to wealth management for his clients.
Bart's journey embodies the American dream. Born in Poland and immigrating to the United States in 1992 at the age of 10 with his family, Bart is fluent in Polish and actively engaged in Chicago’s Polish business community. His experience has been sought-after by many Polish families and business owners, especially during pivotal moments like business sales or retirement planning. His multicultural background lends him a profound insight into the perspectives of Eastern and Western European individuals, coupled with a keen understanding of international markets and geopolitical dynamics.
A graduate of Aurora University, Bart earned dual Bachelor of Arts degrees in Finance and Political Science while competing as a Division III NCAA basketball player. He launched his career with A.G. Edwards in 2003 where he quickly established himself as a skilled Financial Advisor and laying the foundation for his current success at Morgan Stanley. His pursuit of excellence led him to obtain the prestigious CFP® certification, awarded by the Certified Financial Planner Board of Standards, demonstrating his commitment to rigorous educational standards and professional excellence.
Beyond his professional achievements, Bart is a committed family man. He resides in the Northwest Chicago Suburbs with his wife, Jackie, and their two children. An avid reader and fitness enthusiast, Bart dedicates significant time to local charitable causes, mentoring young professionals, and participating actively in the Catholic Church. His dedication to family and community service reflects the same principles of commitment and integrity that define his professional practice.
Bart is dedicated to guiding clients towards their financial aspirations through a comprehensive understanding of their goals, meticulous financial and investment planning, and strategic execution of investment management solutions. As a Certified Financial Planner™ professional, Bart brings a holistic and thorough approach to wealth management for his clients.
Bart's journey embodies the American dream. Born in Poland and immigrating to the United States in 1992 at the age of 10 with his family, Bart is fluent in Polish and actively engaged in Chicago’s Polish business community. His experience has been sought-after by many Polish families and business owners, especially during pivotal moments like business sales or retirement planning. His multicultural background lends him a profound insight into the perspectives of Eastern and Western European individuals, coupled with a keen understanding of international markets and geopolitical dynamics.
A graduate of Aurora University, Bart earned dual Bachelor of Arts degrees in Finance and Political Science while competing as a Division III NCAA basketball player. He launched his career with A.G. Edwards in 2003 where he quickly established himself as a skilled Financial Advisor and laying the foundation for his current success at Morgan Stanley. His pursuit of excellence led him to obtain the prestigious CFP® certification, awarded by the Certified Financial Planner Board of Standards, demonstrating his commitment to rigorous educational standards and professional excellence.
Beyond his professional achievements, Bart is a committed family man. He resides in the Northwest Chicago Suburbs with his wife, Jackie, and their two children. An avid reader and fitness enthusiast, Bart dedicates significant time to local charitable causes, mentoring young professionals, and participating actively in the Catholic Church. His dedication to family and community service reflects the same principles of commitment and integrity that define his professional practice.
Securities Agent: AR, TX, TN, MO, HI, UT, OH, MA, GA, PA, IL, NC, SC, OR, CO, VA, NY, AZ, IN, CA, FL, WI, NM, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 560293
NMLS#: 560293
About Tyler Van Lul
Tyler Van Lul is a Financial Advisor with Morgan Stanley’s Wealth Management Division. After graduating from the Kelley School of Business at Indiana University with a Bachelor of Science degree in Finance, Tyler immediately began his advisory career at Thrivent Financial. In that role, he engaged in updating financial plans for workers nearing retirement while incorporating their beneficiaries in the process to help establish a legacy plan for the next generation.
In 2018, Tyler transitioned to Morgan Stanley where he could utilize one of the largest open architecture investment platforms in the industry. Additionally, having access to Morgan Stanley’s cutting edge Financial Planning and Risk Management software allows him to service his clients with the highest level of care and due diligence. Tyler is fundamentally invested in understanding his clients’ needs and is fully committed to delivering the most accurate, practical, and timely advice possible.
Tyler’s background gives him a unique understanding of the importance of geopolitical markets and constructing generational wealth. Being born in Gary, IN, Tyler grew up in a community where the impact of economic hardship was prevalent. He is active within multiple organizations dedicated to the advancement of impoverished and troubled youths in Chicago and Northwest Indiana. With that mission in mind, he frequently hosts workshops dedicated to providing financial literacy to those communities.
Tyler currently resides in the West Loop area of Chicago with his wife Lauren. He devotes some of his time to local non-profit organizations, coaching competitive youth programs, and helping organize networking events in the Chicagoland area for business professionals. Tyler is also a member of the Union League Club of Chicago and sits on the ULCC Admissions Committee.
In 2018, Tyler transitioned to Morgan Stanley where he could utilize one of the largest open architecture investment platforms in the industry. Additionally, having access to Morgan Stanley’s cutting edge Financial Planning and Risk Management software allows him to service his clients with the highest level of care and due diligence. Tyler is fundamentally invested in understanding his clients’ needs and is fully committed to delivering the most accurate, practical, and timely advice possible.
Tyler’s background gives him a unique understanding of the importance of geopolitical markets and constructing generational wealth. Being born in Gary, IN, Tyler grew up in a community where the impact of economic hardship was prevalent. He is active within multiple organizations dedicated to the advancement of impoverished and troubled youths in Chicago and Northwest Indiana. With that mission in mind, he frequently hosts workshops dedicated to providing financial literacy to those communities.
Tyler currently resides in the West Loop area of Chicago with his wife Lauren. He devotes some of his time to local non-profit organizations, coaching competitive youth programs, and helping organize networking events in the Chicagoland area for business professionals. Tyler is also a member of the Union League Club of Chicago and sits on the ULCC Admissions Committee.
Securities Agent: KY, MN, NC, NH, NJ, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI, MI, AR, AZ, CA, CO, CT, FL, GA, HI, IA, IL, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1803162
NMLS#: 1803162
About Garneth Ramos
Garneth Ramos, True Horizon Group’s dedicated Registered Client Service Associate, has committed his career to the wealth management industry since 2004. That is when he began his tenure at Morgan Stanley diligently honing his skills beginning his experience in Operations. In 2017, Garneth made the final and much anticipated transition to the role of Client Service Associate. Since then, he has obtained his Series 7, 66, and Insurance licenses and registrations. In 2023, Garneth’s hard work and dedication were recognized when he received the Morgan Stanley Regional Spotlight Award.
Garneth is an essential member of the True Horizon Group. His daily focus and dedication centers around providing excellent client service, timely responsiveness to client questions and requests, along with providing the correct and appropriate guidance to our valued clients. Garneth also specializes and takes pride in resolving complex operational and account administration issues.
Prior to Morgan Stanley, Garneth's experience in the financial industry has included working for several of the largest institutions in the world. Companies such as Northern Trust, Fiserv, Citigroup, and Mellon Financial Services.
Beyond his professional life, Garneth cherishes his role as a husband to Margarett and as a father to three wonderful boys: Nicholas, Jerwyn and Matthew. Their family is rounded out by the presence of their two lovable dogs Selena and Haley. In his free time, Garneth enjoys spending time with his family, cooking, and gardening.
Garneth is an essential member of the True Horizon Group. His daily focus and dedication centers around providing excellent client service, timely responsiveness to client questions and requests, along with providing the correct and appropriate guidance to our valued clients. Garneth also specializes and takes pride in resolving complex operational and account administration issues.
Prior to Morgan Stanley, Garneth's experience in the financial industry has included working for several of the largest institutions in the world. Companies such as Northern Trust, Fiserv, Citigroup, and Mellon Financial Services.
Beyond his professional life, Garneth cherishes his role as a husband to Margarett and as a father to three wonderful boys: Nicholas, Jerwyn and Matthew. Their family is rounded out by the presence of their two lovable dogs Selena and Haley. In his free time, Garneth enjoys spending time with his family, cooking, and gardening.
Contact Bartosz Bak
Contact Tyler Van Lul
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The True Horizon 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.
2Morgan 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.
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 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.
5Alternative 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.
6Morgan 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.
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.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
9Morgan 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.
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
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’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.
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 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.
5Alternative 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.
6Morgan 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.
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.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
9Morgan 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.
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)
