Robert Richardson
First Vice President, Financial Advisor
Phone:
(864) 594-3463(864) 594-3463
The Tyger River Group at Morgan Stanley
Direct:
(864) 585-7761(864) 585-7761
Toll-Free:
(800) 934-0340(800) 934-0340
Industry Award WinnerOur Mission Statement
Dedicated personal service and comprehensive solutions to serve you & your family's unique goals.
WELCOME
With over 85 years of experience in financial services, our team brings time-tested perspectives and experience to guide you, your family, or institution on the way to your specific goals & objectives.
We aim to provide decisive, comprehensive strategies tailored to your specific needs so that you may navigate life transitions, wealth transfers, & uncertain markets.
Leveraged by the resources of Morgan Stanley, we offer you access to an industry-leading platform & unique investing opportunities.
Our goal is simple: to proactively manage your financial needs so that you may focus on what's important to you.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Alternative InvestmentsFootnote4
- Endowments and FoundationsFootnote5
- Business Succession PlanningFootnote6
- Estate Planning StrategiesFootnote7
- Philanthropic ManagementFootnote8
- Corporate Retirement PlansFootnote9
- Cash ManagementFootnote10
- Asset Management
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
1) Hear Your Story
• Listen to gain an intimate understanding of your personal & financial goals.
• Identify circumstances unique to you and your family.
• Determine your financial risk tolerance.
• Gather necessary documentation to take the next steps in our engagement together.
• Identify circumstances unique to you and your family.
• Determine your financial risk tolerance.
• Gather necessary documentation to take the next steps in our engagement together.
2) Analysis & Plan Development
• Review your balance sheet to understand assets & liabilities.
• Understand cash flow needs and expectations.
• Look for shortfalls or gaps in your current situation or strategy
• Prepare an asset allocation and investment plan appropriate for your goals.
• Place our recommendations under a stress test to assess their chances of success.
• Understand cash flow needs and expectations.
• Look for shortfalls or gaps in your current situation or strategy
• Prepare an asset allocation and investment plan appropriate for your goals.
• Place our recommendations under a stress test to assess their chances of success.
3) Presentation & Implementation
• Step-by-step, walk you through our recommendations and the reasoning behind them.
• Adjust any recommendations based upon your input.
• Agree on how to implement your plan and communicate as we take steps along the way.
• Adjust any recommendations based upon your input.
• Agree on how to implement your plan and communicate as we take steps along the way.
4) Ongoing Stewardship & Monitoring
• Confirm your communication preferences & expectations
• Meet regularly to review your progress. Adjust our strategy as needed.
• Continue to proactively plan for your future personal & financial needs & milestones.
• Meet regularly to review your progress. Adjust our strategy as needed.
• Continue to proactively plan for your future personal & financial needs & milestones.
Our Core Values
Put Clients First
Always keep the client's interest first. Work with colleagues to deliver the best of the Firm to every client. Listen to what the client is saying and needs.
Do the Right Thing
Act with integrity. Value and reward honesty, collegiality and character.
Lead with Exceptional Ideas
Win by breaking new ground. Let the facts and different points of view broaden our perspective. Be vigilant about what we can do better.
Give Back
Be generous with our experience, our time and our money. Invest in the future of our community and our Firm. Mentor our next generation.
Diversity & Inclusion
Value individual and cultural differences as a defining strength. Champion an environment where all employees feel a sense of belonging—are heard, seen and respected. Expect everyone to challenge behavior counter to our culture of inclusion. Attract, develop and retain talent reflecting the full diversity of society.
Our Services
When managing wealth, there are many aspects that must be covered in order to get a complete plan. Take a deeper look into what we provide:
Financial Planning
Financial planning is a dynamic process that is based on the client’s changing wants and needs both in the short and long term. Short term goals take priority in current planning while long term goals are considerations that influence a client’s full analysis.
Financial Planning Brochure
Retirement Planning
Retirement Planning is a core component of wealth management. Certain steps should be taken to prepare for a wide range of future costs such as living expenses, travel costs, and education funding. We can assist clients with this planning by quantifying financial needs, creating an action plan, and tracking plan progress.
Planning Your Goals
Family Office Resources
When it comes to Ultra High Net Worth, wealth management becomes quite complex with many unique variables to consider. Check out how at Morgan Stanley we care for your UHNW goals and concerns.
Family Office Video
Estate Planning
When it comes to leaving your legacy to your loved ones, effective and proactive estate planning is essential. From receiving beneficial tax treatment and avoiding legal burdens to streamlining the inheritance process, estate planning makes this possible. We can help with this process and make sure that you are up-to-date when hitting milestones in your life.
Estate Planning Brochure
Insurance Planning and Long-Term Care
Saving and preparing for retirement is a life-long event that must also be protected. Long-term care insurance can accomplish this by making sure that potential costs you may incur later in life do not exceed or consume your retirement savings.
How Insurance Can Help With Retirement PlanningMODERN WEALTH TOOLS
Our goal is simple: "To be the firm where the most talented, trusted 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." Here are a few technologies we have to offer our clients.
Morgan Stanley Online (MSO)
With Morgan Stanley Online and the Morgan Stanley Mobile app, your investments and everyday finances are never more than just a click away.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning and convenient connectivity.
Learn More About Total Wealth View
Planning
Working with us paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology to stay on-track toward reaching your financial goals.
Take Control of Your Financial Future Today
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative tool used by several of the world’s largest institutional asset managers, using this tool provides comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Manage Your Risk
Online Security
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our extensive security measures and take advantage of our numerous resources and ideas to help you stay protected online.
Protect Your Legacy
Morgan Stanley Reserved Insights
Curated insights and articles spanning such topics such as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
Read the Latest Insights
Morgan Stanley Reserved Offers
Exclusive offers to keep Reserved clients and their families safe and engaged. Offers span across categories such as Dining, Health and Wellness, Travel, Entertainment, and more.
Browse the Latest Offers
Morgan Stanley Signature Access
Signature Access, the highest tier of Morgan Stanley's 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 all in addition to the discounts and content available through Reserved Living & Giving.
Signature Access Lifestyle Advisory ConciergeLocation
320 East Main Street
Suite 410
Spartanburg, SC 29302
US
Direct:
(864) 585-7761(864) 585-7761
Toll-Free:
(800) 934-0340(800) 934-0340
320 East McBee Avenue
Suite 101
Greenville, SC 29601
US
Direct:
(864) 370-7262(864) 370-7262
Meet The Tyger River Group
Mary G Crowley
Vice President, Financial Advisor, Financial Planning Specialist, Branch Manager
Phone:
(864) 594-3468(864) 594-3468
Clancy Crowley, CFP®, CPWA®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Certified Private Wealth Advisor®
Phone:
(864) 370-7258(864) 370-7258
Misty Messer
Senior Client Service Associate
Phone:
(864) 594-3459(864) 594-3459
About Robert P Richardson
With over 40 years of experience in the financial services industry, Ricky has worked with our clients by assisting them in achieving their long-term goals and objectives. His primary areas of concentration are individual and corporate retirement strategies, asset allocation, and advising plan sponsors on their fiduciary responsibilities. He adds value for our clients by educating them on the concepts and strategies that go into the development of their financial plan.
Ricky is a graduate of Hampden Sydney College with a B.S. degree in economics. He and his wife Betsy have two children, Rob and Caroline, and two grandchildren.
Away from the office, Ricky enjoys spending time with his family and outdoor activities including sailing, trout fishing, and traveling. An active member of the community, Ricky serves as a Spartanburg County Foundation trustee.
Ricky is a graduate of Hampden Sydney College with a B.S. degree in economics. He and his wife Betsy have two children, Rob and Caroline, and two grandchildren.
Away from the office, Ricky enjoys spending time with his family and outdoor activities including sailing, trout fishing, and traveling. An active member of the community, Ricky serves as a Spartanburg County Foundation trustee.
Securities Agent: IA, KY, NC, NH, TN, GA, MA, NY, SC, WI, FL, CA, PA, AR, DC, IN, VA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285364
NMLS#: 1285364
About Mary G Crowley
A Financial Advisor with over 40 years of experience in the financial services industry, Mary has developed a keen insight into developing professional and personal relationships She places great emphasis on developing a program of strategic asset allocation based on sound principles of risk and reward. She works with high-net worth individuals and corporations, addressing all aspects of their financial needs. Her duties also include the management of the Spartanburg office.
Mary earned a B.A. in Psychology from Salem College in Winston-Salem, NC and is a graduate of Spartanburg Day School. Mary is also an active member of the community. She is a past board member of Mobile Meal Service of Spartanburg County and served as Chair of Women Giving for Spartanburg.
Mary earned a B.A. in Psychology from Salem College in Winston-Salem, NC and is a graduate of Spartanburg Day School. Mary is also an active member of the community. She is a past board member of Mobile Meal Service of Spartanburg County and served as Chair of Women Giving for Spartanburg.
Securities Agent: SD, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1274588
NMLS#: 1274588
About Clancy Crowley
Clancy Crowley is a CERTIFIED FINANCIAL PLANNER™ and Certified Private Wealth Advisor ® professional who joined The Tyger River Group in 2016.
In his role, he is responsible for understanding client goals & objectives before delivering comprehensive financial plans and tailored investment solutions. Clancy collaborates with our individual, family, and institutional clients on a range of topics, from estate & tax planning to alternative investments, while leveraging the extensive resources of Morgan Stanley.
Clancy is a graduate of Clemson University with a degree in Business Management. In the community, he has served on the Young Leaders Advisory Board and Economic Mobility Vision Council for the United Way of the Piedmont. He is a member of the 50th class of Leadership Greenville.
Clancy and his wife, Callie, live in Greenville with their two young children. Outside of the office, he is an avid fly fisherman who also enjoys camping and traveling.
In his role, he is responsible for understanding client goals & objectives before delivering comprehensive financial plans and tailored investment solutions. Clancy collaborates with our individual, family, and institutional clients on a range of topics, from estate & tax planning to alternative investments, while leveraging the extensive resources of Morgan Stanley.
Clancy is a graduate of Clemson University with a degree in Business Management. In the community, he has served on the Young Leaders Advisory Board and Economic Mobility Vision Council for the United Way of the Piedmont. He is a member of the 50th class of Leadership Greenville.
Clancy and his wife, Callie, live in Greenville with their two young children. Outside of the office, he is an avid fly fisherman who also enjoys camping and traveling.
Securities Agent: WI, TN, GA, CA, SC, MA, PA, KY, NY, IN, FL, NC, VA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1612992
NMLS#: 1612992
About Misty Messer
Since 2005, Misty has provided administrative support to The Tyger River Group. She is dedicated to providing excellent service and solutions to our clients and their families.
Misty has two children, Savannah and Chandler. She keeps herself busy outside of the office by spending time with her family and traveling.
Misty has two children, Savannah and Chandler. She keeps herself busy outside of the office by spending time with her family and traveling.
Contact Robert Richardson
Contact Mary G Crowley
Contact Clancy Crowley
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
Global Investment Office
Portfolio Insights
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
Article Image
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
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
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
Article Image
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
Ready to start a conversation? Contact The Tyger River 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 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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, charitable giving, philanthropic planning and other legal matters.
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 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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, charitable giving, philanthropic planning and other legal matters.
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 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
