Daniel C. Umbel, CPWA®
Executive Director, Financial Advisor
Phone:
(912) 692-4633(912) 692-4633
The Umbel Group at Morgan Stanley
Direct:
(912) 692-4634(912) 692-4634
Our Mission Statement
Our team is dedicated to helping people achieve their financial goals. We believe every client is entitled to the highest level of personalized service and care. With the global resources of Morgan Stanley, we’ll place you at the center of the wealth management process as we work together to design a goals-based financial approach to help you reach the goals that matter most to you.
We strive to understand the world you have today. And the one you want tomorrow.
We have noticed that one of the most interesting things about working with affluent clients is this: the focus is seldom on counting dollars and cents. It's about what those dollars can do. The lifestyle they provide, the businesses they build, the opportunities they foster. Helping clients to make their choices takes insight, understanding and a long-term commitment to their point of view.
We believe that's why families who could take their resources anywhere consider choosing The Umbel Group for dedicated wealth management. Although based in Savannah, we work with clients from the Peach State to the Golden State, from River Street to Wall Street, from our office to wherever your life takes you. Whether you are still working, approaching retirement, or already retired – our team is qualified to help.
The Umbel Group can offer advice and guidance on different facets of your financial world—how you invest, your income and revenue streams, your businesses and property, retirement, and how you can build a foundation for generations that follow.
We believe that's why families who could take their resources anywhere consider choosing The Umbel Group for dedicated wealth management. Although based in Savannah, we work with clients from the Peach State to the Golden State, from River Street to Wall Street, from our office to wherever your life takes you. Whether you are still working, approaching retirement, or already retired – our team is qualified to help.
The Umbel Group can offer advice and guidance on different facets of your financial world—how you invest, your income and revenue streams, your businesses and property, retirement, and how you can build a foundation for generations that follow.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Wealth management based on your goals. Focused on you.
On the surface, it seems rather simple — manage investments and resources in pursuit of a goal. However, if you're like most of the clients we serve, you have an array of goals. Often these goals are multi-faceted and complex, requiring the experience of a number of professionals. When working with The Umbel Group, our clients may benefit not only from the day-to-day advice and guidance that we provide. They can also benefit from an extensive team of Morgan Stanley professionals who are available for additional support and expertise. All working together with one focus - You. Our approach to goals-based wealth management seeks to tie together your entire financial outlook — income, expenses, investments, debt, business interest, real property — in one strategy.
We start by:
- Analyzing your current income, expenses, and investment holdings.
- Considering your objectives for each area of your financial life—family, business, retirement, and wealth transfer.
- Estimating the potential impact of taxes, inflation, and market upheavals on your portfolio.
CRC: 4279903
Anyone can show you model portfolios. We tailor strategies with you in mind.
CRC: 4279903
From the moment you become a client, The Umbel Group gives you access to the worldwide investment insights and resources of Morgan Stanley. We can offer you access to new investment opportunities, global research, economic forecasts, and the latest thinking on portfolio management.
After we gain clarity about your goals and outlook, our advice and guidance center around tailoring portfolios targeted to each of your objectives. We then take into account your risk tolerance, liquidity needs, and time horizons to create strategies based on the three fundamentals of investing: Asset Allocation, Diversification, and Rebalancing. Broadly, your asset allocation is intended to pursue your short-term, intermediate, and long-term goals.
Disclaimer:
Asset Allocation, Diversification and Rebalancing do not protect against a loss in declining financial markets. There may be a potential tax implication with a rebalancing strategy. Investors should consult with their tax advisor before implementing such a strategy.
Everyday investments and accounts
If appropriate, we can recommend shorter-term investments and accounts for your cash and other liquid assets, and help you allocate income from your business and distributions from your other investment, trust, or retirement accounts. We can help you manage these assets to maintain your lifestyle and day-to-day expenditures.
Your intermediate portfolio
For your intermediate-term objectives, we may suggest a well-diversified portfolio of equities, fixed-income instruments, mutual funds and alternative investments for certain qualified investors. Here we focus on helping to preserve your wealth from inflation, taxes, and attrition.
Aspirational investments
When appropriate, we can offer investment advice and guidance on concentrated equity positions, stock options, business interests, and alternative investments. Clients generally seek long-term growth through these holdings, and our advice and guidance are targeted to that objective.
Awards & Designations
CFP® - Certified Financial Planner™ (Jeffrey Heeder, Karl Schiefer, Casey Roberts)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
CPWA® - Certified Private Wealth Advisor (Daniel Umbel)
From preserving wealth to managing closely held businesses, the needs and demands of ultra-high networth clients are unique, complex and challenging - and getting moreso. The Certified Private Wealth Advisor (CPWA®) certification is designed specifically for seasoned advisors and wealth managers who work with - or who want to work with - ultra-high networth clients.
CRPC® - Chartered Retirement Planning Counselor (Morgan McAlpin)
The CRPC® certification program is for experienced financial advisors who wish to offer more comprehensive retirement advice to individual clients. Financial advisors face an increasingly complex onslaught of retirement planning questions as aging baby boomers look for investments to meet their lifestyle needs in 10 years, 20 years, and beyond, as well as determining when they can actually retire. This program will help you define a "road map to retirement," enabling you to focus on clients' pre-and post-retirement needs, as well as issues related to asset management and estate planning. Upon successful completion of the Chartered Retirement Planning Counselor℠ program, 3 graduate-level academic credits will be earned that can be applied to the Master of Science in Personal Financial Planning degree program.
QPFC - Qualified Plan Financial Consultant (Patrick House)
A QPFC must prove expertise and experience working with retirement plans. QPFCs help their clients objectively review their financial situation, isolate potential concerns, and provide recommendations and solutions for tending to these financial matters.
2022-2023, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2022-2023, 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.
Daniel C. Umbel names to 2019-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Morgan McAlpin names to 2023-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 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.
Community Involvement
Members from our team support the following organizations:
Second Harvest of Coastal Georgia
Established in 1981 in Savannah Georgia, America's Second Harvest of Coastal Georgia is a locally inspired, volunteer-driven nonprofit food bank and community partnering organization. They work diligently to feed tens of thousands of children, senior citizens, low-income families, and people with disabilities who face hunger by distributing nutritious food to non-profit agencies and partners.
Horizons Savannah
Their tuition free programs for students K-12 inspire youth to learn and grow throughout the summer and beyond. Through engaging academics, swimming and social emotional learning students have the opportunities and resources they need for an unlimited future.
Union Mission
Since its founding in 1937, Union Mission has grown from a small soup kitchen to a multi-facility organization serving the homeless population of the greater Savannah area. Today, Union Mission provides emergency shelter, permanent supportive housing, behavioral health services, support for people living with HIV/AIDS, and employment and educational services. Through their programs, individuals and families acquire the tools they need to lift themselves out of homelessness and into a brighter future.
YMCA of Coastal Georgia
The YMCA of Coastal Georgia has been serving the Coastal Georgia community for over 160 years, and continues to work every day to advance our cause to strengthen community through three areas of focus; youth development, healthy living, and social responsibility.
Abbie Deloach Foundation
Inspired by Abbie's compassion for others and love for life, the Foundation continues the good work Abbie began.
Savannah Jaycees
The Jaycees is a national and international organization made of up business men and women between the ages of 21 and 40. Their group has been in Savannah since 1942. Striving to be the leading global network of active young citizens, the Jaycees provides development opportunities to create a positive change in our communities.
Army Ranger Lead The Way Fund
Army Ranger Lead The Way Fund, Inc., A 501c3 Non-Profit, Is An Active Duty, Casualty Assistance, Recovery, Transition And Veterans Organization That Provides Financial Support, Beyond What The Government And Veterans Affairs Can Offer, To U.S. Army Rangers And The Families Of Those Who Have Died, Have Been Disabled Or Who Are Currently Serving In Harm's Way Around The World.
Location
7402 Hodgeson Memorial Drive
Ste 100
Savannah, GA 31406
US
Direct:
(912) 692-4634(912) 692-4634
Meet The Umbel Group
Jeffrey A. Heeder, CFP®
Senior Vice President, Financial Advisor
Phone:
(912) 692-4607(912) 692-4607
Karl E. Schiefer, CFP®
Vice President, Financial Advisor
Phone:
(912) 692-4635(912) 692-4635
Senior Vice President, Institutional Consultant, Family Wealth Director, Workplace Advisor - Equity Compensation, Portfolio Management Director
Phone:
(912) 692-4603(912) 692-4603
Casey Roberts, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(912) 692-4657(912) 692-4657
Patrick House, QPFC
Financial Advisor, Financial Planning Specialist
Phone:
(912) 692-4625(912) 692-4625
Amanda Lord
Senior Registered Client Service Associate
Phone:
(912) 692-4628(912) 692-4628
Kat Burke
Client Service Associate
Phone:
(912) 692-4634(912) 692-4634
About Me
After graduating from Duke University with a degree in Economics, Dan spent eight years in banking and management. Prior to joining Morgan Stanley, Dan worked for Merrill Lynch Wealth Management since 2008 as a Financial Advisor. In addition to serving his individual clients, he has held various leadership positions throughout his professional career. For the 4th Consecutive Year, Dan has been named to "Forbes Best-in-State Wealth Advisors" list 2019-2022 (Published annually Jan – April. Rankings based on data as of June 30 of prior year).
Dan holds the Certified Private Wealth Advisor® designation, awarded by the Investments & Wealth Institute™ (The Institute), taught in conjunction with the University of Chicago Booth School of Business. He is an experienced Advisor who, in addition to providing traditional advice and guidance, can draw from his experience to help clients pursue their objectives by building and managing custom investment strategies, selecting from a wide range of Morgan Stanley model portfolios and third-party investment strategies.
While at Duke, Dan earned eight varsity letters competing on the football and lacrosse teams. Dan enjoys coaching youth lacrosse and most importantly spending time with his wife and two sons.
Dan holds the Certified Private Wealth Advisor® designation, awarded by the Investments & Wealth Institute™ (The Institute), taught in conjunction with the University of Chicago Booth School of Business. He is an experienced Advisor who, in addition to providing traditional advice and guidance, can draw from his experience to help clients pursue their objectives by building and managing custom investment strategies, selecting from a wide range of Morgan Stanley model portfolios and third-party investment strategies.
While at Duke, Dan earned eight varsity letters competing on the football and lacrosse teams. Dan enjoys coaching youth lacrosse and most importantly spending time with his wife and two sons.
Securities Agent: WI, MN, AZ, AK, UT, OK, NY, VT, MO, AL, WV, RI, NJ, MD, FL, CA, OR, KS, GA, CT, OH, NM, MS, KY, IN, SD, PR, WY, VI, NH, ID, WA, ND, IA, AR, PA, NV, MI, ME, DC, SC, NC, LA, VA, TX, MA, IL, DE, TN, NE, MT, HI, CO; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 545085
NMLS#: 545085
About Me
Jeff joined The Umbel Group in early 2015 bringing 30 years of comprehensive wealth management experience to the team with a focus on wealth planning, credit, and estate strategies.
Jeff has earned the CERTIFIED FINANCINAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc.
Jeff is a native of Rochester, New York and is a graduate of Rochester Institute of Technology where he graduated with a BS in Accounting. In addition, he is also a past President of The Rotary Club of Savannah East and a Paul Harris Fellow. Jeff moved to Savannah with his wife 10 years ago and lives in the Landings. He enjoys walking, biking, and golf. Jeff has three married children and four grandchildren.
Jeff has earned the CERTIFIED FINANCINAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc.
Jeff is a native of Rochester, New York and is a graduate of Rochester Institute of Technology where he graduated with a BS in Accounting. In addition, he is also a past President of The Rotary Club of Savannah East and a Paul Harris Fellow. Jeff moved to Savannah with his wife 10 years ago and lives in the Landings. He enjoys walking, biking, and golf. Jeff has three married children and four grandchildren.
Securities Agent: NY, SC, FL, TN, GA, DC, RI, OR, NE, CA, AL, UT, NV, LA, NM, IN, VT, PA, OK, OH, MO, ME, MD, CT, NJ, MT, MN, HI, WV, VA, TX, MA, IL, AZ, DE, NC, MS, MI, KY, KS, WY, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 673954
NMLS#: 673954
About Me
Karl graduated from St. John Fisher College in 2009, and began his career in the financial industry immediately thereafter. Karl joined the Miller Umbel Group in 2014, and was subsequently named a partner to the team in the fall of 2017. He and his team were named to the “Forbes Best-in-State Wealth Management Teams” list in 2023 (Published annually Jan – April. Rankings based on data as of June 30 of prior year).
Karl holds a CERTIFIED FINANCIAL PLANNER™ certification, awarded by the Certified Financial Planner Board of Standards, Inc. He understands the complexities of the ever changing financial climate and works to develop customized recommendations based on the best interests of those he works with. Karl follows a disciplined planning process dedicated to mitigating risk, reducing cost, and guiding families and individuals to meet and exceed their lifestyle and legacy goals. He focuses on establishing, developing, and deepening relationships while emphasizing the creation and implementation of a goals based wealth management plan.
While at St. John Fisher College, Karl competed on the varsity tennis team and earned Empire 8 All-Conference selections in each of his four years. Karl resides in Savannah, Georgia with his wife Kristen, daughter Elianna and son Eugene.
Karl holds a CERTIFIED FINANCIAL PLANNER™ certification, awarded by the Certified Financial Planner Board of Standards, Inc. He understands the complexities of the ever changing financial climate and works to develop customized recommendations based on the best interests of those he works with. Karl follows a disciplined planning process dedicated to mitigating risk, reducing cost, and guiding families and individuals to meet and exceed their lifestyle and legacy goals. He focuses on establishing, developing, and deepening relationships while emphasizing the creation and implementation of a goals based wealth management plan.
While at St. John Fisher College, Karl competed on the varsity tennis team and earned Empire 8 All-Conference selections in each of his four years. Karl resides in Savannah, Georgia with his wife Kristen, daughter Elianna and son Eugene.
Securities Agent: VA, SC, OR, OH, NV, MN, DC, RI, MT, MD, FL, WV, TX, NM, MI, IL, ME, PA, NY, NJ, KS, DE, AL, NC, CA, UT, NE, MO, AZ, VT, TN, MS, MA, LA, HI, GA, OK, KY, IN, CT, WY, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1312289
NMLS#: 1312289
About Morgan McAlpin
Morgan McAlpin is a Senior Vice President, and Portfolio Management Director with Morgan Stanley. He has been employed in the investment industry continuously since 1988, after completing his undergraduate degree from Georgia Tech and subsequently, earning his MBA in finance from Georgia State University. Morgan focuses his efforts primarily on providing investment and consulting services to affluent families. Morgan is designated as a Family Wealth Director and has earned his Chartered Retirement Planning Counselor, CRPC® certification. As a Family Wealth Director, he has been extensively trained to understand the complexities involved in managing the multi-faceted, nuanced financial concerns and challenges of wealthy families. Morgan relies on a broad array of tools such as a values-based approach to wealth planning which places the client’s value system at the core of the process. As a Chartered Retirement Planning Counselor, Morgan gains an in-depth knowledge of individuals’ needs both before and after retirement. This process includes helping meet multiple financial objectives, sources of retirement income, personal savings, employer sponsored retirement plans, income taxes, retirement cash flow, asset management, and estate planning strategies. Morgan is deeply involved in a variety of civic and non-profit organizations. He is the Savannah’s past Rotary President and Rotary’s Past Foundation Chairman for District 6920.
Morgan, and his lovely wife Liz, have raised five children and are proud grandparents as well.
Morgan, and his lovely wife Liz, have raised five children and are proud grandparents as well.
Securities Agent: ME, OR, NV, NE, UT, WA, WY, WV, WI, VT, VI, VA, TX, TN, SD, SC, RI, PR, PA, OK, OH, NY, NM, NJ, NH, ND, NC, MT, MS, MO, MN, MI, MD, MA, LA, KS, IN, IL, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, KY, ID; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 154041
NMLS#: 154041
About Casey Roberts
Securities Agent: VT, CT, OH, MI, LA, MT, IN, IL, AZ, PA, GA, MA, KY, AL, WI, SC, NJ, MN, ME, CA, VA, NY, MS, DE, TX, TN, OR, MD, FL, RI, NM, WY, UT, NV, MO, HI, WV, OK, NE, NC, KS, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1880756
NMLS#: 1880756
About Patrick House
Securities Agent: UT, MI, AL, IL, PA, OH, NC, CT, MS, MN, NY, NM, HI, TN, OK, NE, MT, MA, KY, DE, WY, FL, RI, MO, CA, WI, VA, TX, OR, KS, GA, AZ, WV, NV, VT, SC, NJ, ME, MD, LA, IN, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1951089
NMLS#: 1951089
About Amanda Lord
Amanda hails from the great state of Maine, where she earned her Bachelor’s degree in Clinical Psychology and graduated Magna Cum Laude from Husson University.
Prior to joining Morgan Stanley, she began her career in 2005 at Merrill Lynch Wealth Management as a Client Associate in Winston-Salem, NC. After deciding she was living too far from the coast, she migrated down to Savannah, GA in May 2011, where she joined Craig Miller and Dan Umbel as a Registered Senior Client Associate. In 2017, Amanda chose to take a two-year hiatus from the financial world to go work for Oelschig’s Nursery, a local wholesale greenhouse. Armed with new knowledge, experiences and skills, Amanda has returned to pick up where she left off, providing clients with the highest level of personalized service.
In her spare time, she enjoys yoga, reading, gardening, spending time with friends, as well as her dog Marcus and her cats Floyd and Merrill.
Prior to joining Morgan Stanley, she began her career in 2005 at Merrill Lynch Wealth Management as a Client Associate in Winston-Salem, NC. After deciding she was living too far from the coast, she migrated down to Savannah, GA in May 2011, where she joined Craig Miller and Dan Umbel as a Registered Senior Client Associate. In 2017, Amanda chose to take a two-year hiatus from the financial world to go work for Oelschig’s Nursery, a local wholesale greenhouse. Armed with new knowledge, experiences and skills, Amanda has returned to pick up where she left off, providing clients with the highest level of personalized service.
In her spare time, she enjoys yoga, reading, gardening, spending time with friends, as well as her dog Marcus and her cats Floyd and Merrill.
Contact Daniel C. Umbel
Contact Jeffrey A. Heeder
Contact Karl E. Schiefer
Contact Morgan McAlpin
Contact Casey Roberts
Contact Patrick House
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Financial Planning for Life After Selling a Business
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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Ready to start a conversation? Contact The Umbel 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.
2Alternative 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.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4When 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.
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.
2Alternative 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.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4When 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.
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)
