Richard D Udine
Managing Director, Wealth Management, Senior Portfolio Management Director, Alternative Investments Director
Phone:
(856) 222-4547(856) 222-4547
The Udine Group at Morgan Stanley
Direct:
(856) 222-4547(856) 222-4547
Toll-Free:
(800) 932-0037(800) 932-0037
Our Mission Statement
A multi-generational team aligned with the global leader in wealth advisory, we strive to deliver solution oriented advice in helping to streamline the financial lives of our clientele.
Our Story
At The Udine Group, our family wealth advisory practice is built on a foundation of trust, transparency, and principled advice. We have been able to form what we believe is a powerful family practice that caters directly to all generations of wealthy families and can meet the needs of investors, business owners, and professionals at all different stages of their financial lives. Through a collaborative approach- and using the deep bench of intellectual capital, modern planning and portfolio management tools, and state of the art technology provided by MS- our focus is provide a concierge-level experience for clientele. We focus on implementing a cohesive planning and portfolio construction process that utilizes cost-efficient, progressive strategies while promoting education, transparency, and deep client relationships.
As a well-established and deeply rooted father-and-sons advisory team, we understand the importance of family and leaving a lasting legacy. We work together as a team to manage your wealth, bringing decades of wisdom and a seamless continuity in our values. Above all, we deliver a dynamic approach that not only offers sound financial advice, but a balance of perspectives that help you – and your children – make informed decisions about your wealth now and for the generations that follow.
Our collective experience has taught us that every client’s circumstances and challenges are unique. As you begin to work with us, you will experience a standard of care that prioritizes your best interests and treats you as an extension of our family. We are proud of the services and solutions we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
https://www.morganstanley.com/disclosures/awards-disclosure.html
As a well-established and deeply rooted father-and-sons advisory team, we understand the importance of family and leaving a lasting legacy. We work together as a team to manage your wealth, bringing decades of wisdom and a seamless continuity in our values. Above all, we deliver a dynamic approach that not only offers sound financial advice, but a balance of perspectives that help you – and your children – make informed decisions about your wealth now and for the generations that follow.
Our collective experience has taught us that every client’s circumstances and challenges are unique. As you begin to work with us, you will experience a standard of care that prioritizes your best interests and treats you as an extension of our family. We are proud of the services and solutions we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Our wealth management process focuses on you and your family- where you are today and where you want to go. By clearly understanding your life goals, we will help to navigate the challenges and develop tailored strategies to achieve success in each area of focus.
Discovery
We begin with an in-depth conversation where we listen carefully to understand what is important to you, your family and your legacy. We learn about your attitudes and experience with money and investing, and the values that shape your decisions. We will clearly define your goals, both near and long term, as well as challenges and circumstances that may be unique to your personal situation.
The Wealth OrganizerAnalysis and Recommendations
Next, we review your current financial situation and how it pertains to your defined goals. Depending on the complexity of your wealth, we utilize our Goals Planning System (GPS) Lifeview Advisor, and Wealth Strategies Analyses- a suite of comprehensive financial planning technology- to model an analysis of your financial goals. We will identify strengths and weaknesses of your current strategy. Based on this analysis and our prior evaluation of your current situation, we will develop a strategic asset allocation and investment strategy that is tailored to you. This analysis may also incorporate more complex risk management strategies as well as tax minimization and estate, trust and philanthropic solutions.
Lifeview Advisor Sample PlanPlan Implementation
After we perform a deep analysis and arrive at an optimal asset allocation strategy that is based on your goals, we will tap into our Aladdin portfolio risk analytics technology to take a deeper dive into the investment portfolio. We will choose tax-smart investment products and strategies to meet your particular needs, while always being transparent about any risks associated with each. We will evaluate the ramifications of proposed changes to your overall portfolio using our tools, and project a timeline for completing these changes. We will then refine the implementation based on our discussions.
Video- Introducing the Aladdin Portfolio Risk PlatformOngoing Monitoring, Service, and Review
We diligently oversee and review the performance of your plan through ongoing calls, videoconferencing and meetings- all based on a communication strategy that works for you. You are also able to track your plan and investment accounts through our online and mobile tools in real-time. We will continue to adjust your plan and investment portfolios based on changes in your life and also due to changing market conditions to keep you on track towards achieving your goals. Our success is defined by the ability for our clientele to meet their objectives.
Sample Plan Monitor UpdateCore Values
We are committed to the following core values that we believe differentiate us from other advisory teams and serve as the foundation of our practice.
Caring Relationships
We are dedicated to building deep relationships based on trust, transparency and integrity. We work with a select group of client families who value our depth of knowledge and experience in providing comprehensive solutions. We treat clients as an extension of our family-oriented team, and it is our hope that our relationships span generations.
Experience
In over 40 years of wealth advisory, our team has advised high net worth clientele through some of the most challenging market environments in history. Our group has also experienced virtually all of the preferences, challenges, and distinctions of wealthy investors throughout our existence, which makes us feel comfortable giving advice in any client situation. We believe this experience allows us to deliver a unique offering to our clientele- time tested methods along with fresh, new ideas in today's ever-changing complex world. We tap into one of the industry's leading analytical and digital tools for research and evaluation. We then combine that forward thinking with our own personal, experienced-based touch within each of our recommend strategies.
A Team Approach
We believe that you are entitled to the best advice possible. As a result, we work as a team on your behalf, often collaborating with the global resources provided to us at Morgan Stanley and across the industry. We also work closely with your accountant, attorneys, and other professionals to gain the precise knowledge needed to effectively manage all aspects of your wealth.
Transparency
It is critically important for you to understand what is happening with your wealth, and it is our responsibility to keep you informed. We believe in providing full transparency of process and pricing and utilize an "open architecture" platform when implementing investment strategy. We will always disclose any conflicts of interest that may exist in any facet of our relationship with you.
Education
Financial education helps provide comfort in our process and recommended strategies. We strive to continue to educate our clients on various aspects of the financial markets, products, and planning strategies as our relationships continue to evolve. We believe it is our responsibility to assist you and your family members in addressing financial challenges as wealth moves from one generation to the next, with education held paramount. We are here to answer the critical questions that may impact the long-term wealth of your family.
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: 100 Days of Trump 2.0
DATE: April 24, 2025 at 4:15 p.m. ETWhat do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.
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Awards and Accomplishments
Throughout our careers, we have been honored to receive a number of prominent awards from both national and industry sources. We are proud of these achievements – not just for their own sake, but because we believe they show how committed we are to our clients in helping them achieve their financial goals now and across generations.
We are also dedicated to continuing education for ourselves and our clients. This commitment inspires us to remain on the forefront of the latest and most effective wealth management strategies and helps us deliver a more powerful client experience for the families we proudly serve and protect.
We are also dedicated to continuing education for ourselves and our clients. This commitment inspires us to remain on the forefront of the latest and most effective wealth management strategies and helps us deliver a more powerful client experience for the families we proudly serve and protect.
Morgan Stanley Chairman's Club- Rick Udine 2011-2020
Rick has been recognized each year among the top percentile of wealth advisors across the country at Morgan Stanley, which consists of over 18,000 advisors.
Rick 's tenure at the firm and experience in the field have made him a well respected leader, giving him direct access to the firm's upper management and global resources. He has spoken on various firm panels and also at industry conferences. His group is also asked to pilot new wealth management initiatives for the firm.
Rick 's tenure at the firm and experience in the field have made him a well respected leader, giving him direct access to the firm's upper management and global resources. He has spoken on various firm panels and also at industry conferences. His group is also asked to pilot new wealth management initiatives for the firm.
Alternative Investments Director Designations
The Alternative Investments Director Designation Program was developed for Financial and Private Wealth Advisors who have significantly incorporated Alternative Investments into their practice. Rick, Ryan and Joe each earned this designation by completing the extensive Chartered Alternative Investment Analyst (CAIA) Association coursework and required exams, and by implementing select Alternative Investment solutions as part of an overall asset allocation for their high net worth and ultra high net worth client portfolios. Morgan Stanley is the leader in Alternative Investments across the industry, providing unique offerings in Private Equity, Private Credit, Private Real Estate, Structured Products, and Hedged Products, amongst others.
Certified Financial Planner- Ryan Udine 2014-Present
In 2014, Ryan earned the highly regarded CFP(R) professional designation, which identifies individuals who have met the experience and ethical requirements of the CFP Board, have successfully completed rigorous financial planning coursework and have also passed the CFP Certification Examination covering the following areas: the financial planning process, insurance planning, investments, tax planning and management, retirement and employee benefits, and estate planning.
Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it authorizes use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Click here to view Ryan's bio on the CFP Board websiteCertified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it authorizes use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Location
330 Fellowship Rd
Ste 400
Mount Laurel, NJ 08054
US
Direct:
(856) 222-4547(856) 222-4547
Toll-Free:
(800) 932-0037(800) 932-0037
Meet The Udine Group
Joseph R Udine
Vice President, Wealth Management, Senior Portfolio Manager, Alternative Investments Director
Phone:
(856) 222-4572(856) 222-4572
Ryan M Udine, CFP®
Vice President, Wealth Management, Senior Portfolio Manager, Alternative Investments Director
Phone:
(856) 231-4804(856) 231-4804
Jennifer Myers
Business Development Associate, Vice President
Phone:
(856) 222-4570(856) 222-4570
Cindy Jones
Client Service Associate
Phone:
(856) 231-4838(856) 231-4838
About Richard D Udine
Rick, a Managing Director at MS and the founding partner of The Udine Group, is an industry veteran with over 45 years of experience managing wealth for ultra high net worth families. Rick oversees all aspects of the groups wealth advisory and investment management efforts, and also serves as a mentor to his two sons, Joe and Ryan. Rick and his team strive to act as an extension of client families and the trusted partner for successful individuals and multi-generational families in helping to build, manage, and preserve wealth. His extensive career in financial services has equipped Rick with the experience, insight and perspective necessary to provide sound, custom financial solutions for a broad range of high-net worth clientele and their families.
Rick has been regularly recognized as one of the top financial advisors in the country by both Forbes (2018-2024) for Southern New Jersey and Barron’s 1200 Top Advisors (2012-2024) in their respective annual state-by-state rankings. He is also a longtime member of Morgan Stanley’s Chairman’s council (2011-2023), an honor recognizing the firm’s most distinguished wealth advisors on an annual basis. He has been a part of the firm’s history for over twenty years, allowing him to leverage relationships with the firm’s senior leaders and enjoy full access to the top global resources and state-of-the-art technology at Morgan Stanley on behalf of clients.
Rick has been happily married to his wife, Maryann, for over 40 years. They have four grown children and six grandchildren. His daughter, Michelle, is a pediatric cardiologist in Washington, D.C., and his daughter, Julia, is a Broadway actress in New York. Outside of the office, Rick enjoys travel, golf, fishing and spending time at the Jersey shore, and enjoying Philadelphia sports!
2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Rick has been regularly recognized as one of the top financial advisors in the country by both Forbes (2018-2024) for Southern New Jersey and Barron’s 1200 Top Advisors (2012-2024) in their respective annual state-by-state rankings. He is also a longtime member of Morgan Stanley’s Chairman’s council (2011-2023), an honor recognizing the firm’s most distinguished wealth advisors on an annual basis. He has been a part of the firm’s history for over twenty years, allowing him to leverage relationships with the firm’s senior leaders and enjoy full access to the top global resources and state-of-the-art technology at Morgan Stanley on behalf of clients.
Rick has been happily married to his wife, Maryann, for over 40 years. They have four grown children and six grandchildren. His daughter, Michelle, is a pediatric cardiologist in Washington, D.C., and his daughter, Julia, is a Broadway actress in New York. Outside of the office, Rick enjoys travel, golf, fishing and spending time at the Jersey shore, and enjoying Philadelphia sports!
2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NJ, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, MA, MD, ME, MI, MN, NC, NH, NM, NV, NY, OH, OK, TX, PA, VA, SC, VT, WA, RI, MO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1316569
NMLS#: 1316569
About Joseph R Udine
Joe directs the investment strategy, research, and implementation efforts on behalf of Udine Group clientele. Joe's background and education- an alumnus of The University of Pennsylvania with an economics focus- help to enable him to effectively analyze the macro market environment from a distinct perspective, while aligning Morgan Stanley's research and recommendations with discretionary investment strategies that we manage.
Joe uses state of the art, institutional risk analytics and portfolio management technology at MS to monitor portfolio holdings and to illustrate and execute cost-efficient, tax-smart strategies for the group's clientele. He also oversees the group's investment research efforts, studying Morgan Stanley's vast research and product inventory in addition to third-party research, so he may best align those resources for client families.
Joe currently resides in Voorhees, New Jersey with his wife, Alexis, and their three children, Blake, Jackson and Drew.
Joe uses state of the art, institutional risk analytics and portfolio management technology at MS to monitor portfolio holdings and to illustrate and execute cost-efficient, tax-smart strategies for the group's clientele. He also oversees the group's investment research efforts, studying Morgan Stanley's vast research and product inventory in addition to third-party research, so he may best align those resources for client families.
Joe currently resides in Voorhees, New Jersey with his wife, Alexis, and their three children, Blake, Jackson and Drew.
Securities Agent: IN, AL, AZ, CA, CT, DC, DE, FL, GA, HI, IL, MA, MD, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TX, VA, VT, WA, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1395436
NMLS#: 1395436
About Ryan M Udine
As a Certified Financial Planner (CFP®), Ryan works closely with clients to assess their financial picture and plan for life’s most important milestones. Using a modern suite of wealth analyses tools, he is able to help clients model cash flows in regards to retirement, major purchases, allocating to alternative investments, and illustrate various financial planning strategies based on each family's unique preferences and goals. Ryan’s advanced credentials also help to address more complex tax minimization strategies, risk management solutions, and wealth transfer techniques that often impact higher net worth families.
Also a Senior Portfolio Manager and Alternative Investments Director, Ryan is collaborates with Rick and Joe in the integration of how the financial plan for a client will fit with the asset allocation and management of each client’s investment portfolio, all while delivering the full global resources of Morgan Stanley.
Ryan began his career in wealth management after graduating from Penn State University in 2008. In his early career, Ryan earned the CFP® designation, the recognized standard of excellence for personal financial planning from the CFP® Board of Standards. He's also holds a mortgage license, as well as his life, health and variable insurance licenses. Ryan looks forward to advancing his credentials in managing significant wealth and continuing to evolve the family business.
Ryan currently lives in Medford, New Jersey with his wife, Glenna, and their two daughters, Ella and Sloane.
Also a Senior Portfolio Manager and Alternative Investments Director, Ryan is collaborates with Rick and Joe in the integration of how the financial plan for a client will fit with the asset allocation and management of each client’s investment portfolio, all while delivering the full global resources of Morgan Stanley.
Ryan began his career in wealth management after graduating from Penn State University in 2008. In his early career, Ryan earned the CFP® designation, the recognized standard of excellence for personal financial planning from the CFP® Board of Standards. He's also holds a mortgage license, as well as his life, health and variable insurance licenses. Ryan looks forward to advancing his credentials in managing significant wealth and continuing to evolve the family business.
Ryan currently lives in Medford, New Jersey with his wife, Glenna, and their two daughters, Ella and Sloane.
Securities Agent: WA, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, MA, MD, ME, MI, MO, MN, NC, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TX, VA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1404046
NMLS#: 1404046
About Jennifer Myers
An experienced Business Development Associate, Jen is dedicated to the continued growth and success of the Udine Group and the broad array of clients they proudly serve. She is responsible for overseeing the group’s operations and managing client relationships, as she helps shape the team’s strategic vision. She is passionate about providing excellent service and her attention to detail and responsiveness provide clients with confidence, as she works to find solutions to their financial challenges.
A graduate of Rowan University where she earned her B.S. degree in Finance, Jen joined the Udine Group soon after graduation in 2000 and has been an integral member of the team ever since. She began her career working with Rick as a Client Service Associate, before completing the firm's training program and becoming a fully registered Financial Advisor in 2008.
Jen brings a wealth of experience to her role as a Business Development Associate, enabling her to build and solidify a strong understanding of each clients’ backgrounds, preferences and needs. As a result, Jen is uniquely qualified to provide a broad array of services to the team. Her extensive knowledge of the firm's operations and the group's clientele allow her to align the correct resources, while providing unparalleled, solution-oriented service.
Outside of the office, Jen, enjoys family time at the beach and attending concerts and sporting events. She currently resides in Turnersville, New Jersey with her husband, Bob, and their son, Ryan.
A graduate of Rowan University where she earned her B.S. degree in Finance, Jen joined the Udine Group soon after graduation in 2000 and has been an integral member of the team ever since. She began her career working with Rick as a Client Service Associate, before completing the firm's training program and becoming a fully registered Financial Advisor in 2008.
Jen brings a wealth of experience to her role as a Business Development Associate, enabling her to build and solidify a strong understanding of each clients’ backgrounds, preferences and needs. As a result, Jen is uniquely qualified to provide a broad array of services to the team. Her extensive knowledge of the firm's operations and the group's clientele allow her to align the correct resources, while providing unparalleled, solution-oriented service.
Outside of the office, Jen, enjoys family time at the beach and attending concerts and sporting events. She currently resides in Turnersville, New Jersey with her husband, Bob, and their son, Ryan.
About Cindy Jones
Drawing on more than 20 years of financial services experience, Cindy is often the first line of contact on a wide range of client services. A consummate professional, she is committed to providing each client with the highest level of personal service, integrity and attention to detail. Cindy has been an important member of the Udine Group since joining the team in 2013.
From the largest task to the smallest request, Cindy works diligently to exceed client expectations. Her core responsibilities are essential to enabling the team to carry out its mission of helping financially successful individuals and families plan, invest and lead fulfilling lives. She coordinates various administrative and client service activities, including onboarding new clients, providing quotes, executing trade orders and transferring money.
Prior to joining Morgan Stanley, Cindy worked at both Merrill Lynch and Smith Barney. She earned her B.S. degree in Business Management from Bloomsburg State University and maintains her FINRA Series 7 and 66 licenses.
A very busy mom, Cindy lives in Marlton, New Jersey with her four children. When she’s not helping clients, she enjoys spending time watching her kids play soccer, quilting and playing with her three dogs.
From the largest task to the smallest request, Cindy works diligently to exceed client expectations. Her core responsibilities are essential to enabling the team to carry out its mission of helping financially successful individuals and families plan, invest and lead fulfilling lives. She coordinates various administrative and client service activities, including onboarding new clients, providing quotes, executing trade orders and transferring money.
Prior to joining Morgan Stanley, Cindy worked at both Merrill Lynch and Smith Barney. She earned her B.S. degree in Business Management from Bloomsburg State University and maintains her FINRA Series 7 and 66 licenses.
A very busy mom, Cindy lives in Marlton, New Jersey with her four children. When she’s not helping clients, she enjoys spending time watching her kids play soccer, quilting and playing with her three dogs.
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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.
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*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’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Alternative 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.
4Morgan 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
5Morgan 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.
6Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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.
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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)
