Paul Vigue
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Family Wealth Director, Alternative Investments Director, Lending Specialist
Phone:
(212) 883-8176(212) 883-8176
The Vigue Group at Morgan Stanley
Direct:
(212) 883-8176(212) 883-8176
Our Mission Statement
To plan and invest for multigenerational families through personalized investments, estate planning strategies and exceptional service.
Our Story and Servies
The Vigue Group is a dedicated team of Financial Advisors, Portfolio Managers and Registered Client Service Associates who specialize in developing and managing financial, estate, trust, and retirement plans for clients across multiple generations. With over 50 years of combined experience, we prioritize the ever-changing needs of our clients and strive to provide nothing short of exceptional service for you, your families and businesses.
As Morgan Stanley Financial Advisors, we have exclusive access to resources of one of the largest financial services firms in the world. Insights into industry leading research and portfolio modeling services grant us the capability to scale beyond other advisory teams, while allowing us to continuously provide each client a custom, individualized experience.
Please take a moment to review our Wealth Management process, achievements, designations, and recognitions in national publications such as Forbes. If you think our team could assist you in reaching your financial goals, please contact us by calling the number above, or clicking the "Contact Us" button.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Wealth Management Process
1. Discovery:
We start with you. Our relationship will begin with an in-depth conversation designed to help us understand who you are and analyze what is most important to you financially.
2. Development:
Ensuring we have a comprehensive understanding of our clients' financial, estate, legacy, and/or retirement plan is the foundation of our investment philosophy. If you do not have a plan, we will work with you and your tax and estate advisors to establish one so we can make the most conscious, well-informed investment recommendations.
3. Delivery:
We pride ourselves on delivering extraordinary service to our clients. This means listening intently and taking the time to educate you and your family, so each generation understands and is confident with the investment proposals we make.
4. Implementation:
Every client's financial goals are unique, which is reflected in the portfolios we construct specifically for you. Once we establish the financial, or retirement plan that is appropriate for you, we execute on the strategies discussed in a portfolio created to compliment that plan.
5. Maintenance
We'll meet regularly to help ensure our investment implementation stays in-line with your goals, risk tolerance and any upcoming changes. You'll receive monthly correspondence with timely market insights, team updates and seasonal reminders. Our support associates are dedicated to delivering world-class service through every interaction.
Get Started!
To start working with us, please reach out via email by clicking the mail icon on the home page, clicking the "Contact Me" button on the home page, or calling +1 (212) 883-8176
Awards, Recognition & Designations
2025 Forbes Best-In-State Wealth Management Teams
The Vigue Group has been named to the 2024 - 2025 Forbes Best-In-State Wealth Management Teams ranking developed by SHOOK Research. Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. Source: Forbes.com
2024 Forbes Best-In-State Wealth Management Teams
The Vigue Group has been named to the 2023 - 2024 Forbes Best-In-State Wealth Management Teams ranking developed by SHOOK Research. Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. Source: Forbes.com
Paul R. Vigue: 2024 Forbes Best-In-State Wealth Advisors
Paul R. Vigue has been named to the 2024 Forbes Best-In-State Wealth Management Advisors ranking developed by SHOOK Research.
2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Paul R. Vigue: President's Club Member at Morgan Stanley since 2020
Morgan Stanley Wealth Management President's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. President's Club membership is no guarantee of future performance.
Rachael A. Christiano: 2025 Pacesetter's Club Member at Morgan Stanley
Rachael Christiano named to the 2025 Pacesetter's Club
Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter's Club membership is no guarantee of future performanc
Rachael A. Christiano: 2024 Pacesetter's Club Member at Morgan Stanley
Rachael Christiano named to the 2024 Pacesetter's Club
Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter's Club membership is no guarantee of future performance.
Paul R. Vigue: 2023 Forbes Best-In-State Wealth Advisors
Paul R. Vigue has been named to the 2023 Forbes Best-In-State Wealth Management Advisors ranking developed by SHOOK Research.
2023 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Paul R. Vigue: 2020 Forbes Best-In-State Wealth Advisors
Paul R. Vigue has been named to the 2020 Forbes Best-In-State Wealth Management Advisors ranking developed by SHOOK Research.
2020 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Paul R. Vigue: Family Wealth Director
Paul Vigue has recieved the FWD designation, which is held by about 5% (as of December 2023) of Morgan Stanley Financial Advisors. This designation assists Morgan Stanley Financial Advisors (FAs) in serving high-net-worth clients to ensure a truly differentiated experience. The candidate must sit for an exam and display their skills during two in-person performance assessments.
Vigue Group Newsletters
As we start each month, the Vigue Group sends a monthly newsletter to our family and friends. We like to include team annoucements, Morgan Stanley resources, and any other updates that help our clients achieve financial success. To see these newsletters, please follow the links below!
January 2025
Happy New Year! In this edition of the newsletter, we've compiled some notable team achievements in 2024, a new team member announcement, and timely 2025 information as tax season begins. Click below to read more!
February 2025
As we settle into 2025, it is an excellent time to review your finances and get organized. In this edition, we've included some timely articles relating to investments and taxes, as well as a few exciting team updates. Read more below!
March 2025
Welcome to our March Newsletter! In this edition we have included timely articles relating to taxes, IRAs, and financial markets. Towards the bottom we have included links to sign up for Morgan Stanley's newest webinar series, Wealth Education for the Next Generation. Read more below!
Location
55 East 52nd Street 10th
29th Fl
New York, NY 10055
US
Direct:
(212) 883-8176(212) 883-8176
Meet The Vigue Group
Rachael A. Christiano (Rohrig)
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(212) 883-8525(212) 883-8525
Ethan Solat
Registered Client Service Associate
Phone:
(212) 883-8524(212) 883-8524
Jennifer Hoffman, CRPC*
Registered Client Service Associate
Phone:
(212) 883-8521(212) 883-8521
About Paul Vigue
Paul is one of the financial advisors and founding members of The Vigue Group at Morgan Stanley in NYC. With over 35 years of experience in the financial industry, he creates and executes comprehensive wealth management plans for his clients, many of whom have been with him across generations. He assists clients in preserving, enhancing and passing on their wealth through trust and estate planning. Paul has earned Morgan Stanley’s prestigious Family Wealth Director designation, awarded to about 5% of all the firm’s Financial Advisors as of December 2023, which attests to his wide-ranging knowledge and experience.
Paul earned a BA in Business Administration from Seton Hall University and has built his experience from well-known firms such as Chase Manhattan Capital Markets, Dean Witter Reynolds, Citigroup Global Markets, and UBS Financial Services. He and his wife Carla divide their time between North Caldwell, NJ and Dorset, VT; he is the father of two grown children. In his spare time, Paul enjoys golfing, skiing, and hiking. Paul and Carla are enthusiastic supporters of several local charities, including Bennington County Habitat for Humanity.
Paul earned a BA in Business Administration from Seton Hall University and has built his experience from well-known firms such as Chase Manhattan Capital Markets, Dean Witter Reynolds, Citigroup Global Markets, and UBS Financial Services. He and his wife Carla divide their time between North Caldwell, NJ and Dorset, VT; he is the father of two grown children. In his spare time, Paul enjoys golfing, skiing, and hiking. Paul and Carla are enthusiastic supporters of several local charities, including Bennington County Habitat for Humanity.
Securities Agent: MT, PA, OH, NM, NJ, OR, NC, CO, OK, MA, KY, AK, VA, SC, RI, NV, MN, MD, LA, GA, ND, DE, CA, WV, CT, AL, WA, ME, IN, IL, ID, IA, FL, AZ, WY, VT, NY, NH, DC, AR, NE, MI, TX, SD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1975044
NMLS#: 1975044
About Rachael A. Christiano (Rohrig)
Rachael is a one of the financial advisors and founding members of The Vigue Group at Morgan Stanley in the New York City Metropolitan Area. With over 8 years of collective experience in the financial services industry, she has developed a passion for helping individuals and families discover, plan for, and reach their personal, professional, and financial goals. Rachael holds the Series 7, Series 66, life and health insurance licenses, as well as the Financial Planning Specialist and Portfolio Manager designations. She believes in investing with a purpose through financial planning to help preserve and grow her clients' wealth, all while delivering world class service.
Rachael joined Morgan Stanley in 2021 and previously developed her skillset as one of the Top 100, of over 6,500, Client Associates at Merrill Lynch Wealth Management for 5 years. She graduated Cum Laude from The University at Buffalo with a bachelor's degree in Business Administration and a concentration in Finance after only 3 years.
In her free time, Rachael enjoys traveling, exercising, and playing pickleball with her husband, Tony. They currently reside in Hoboken, NJ. Rachael supports charities such as Experience Camps, the Muscular Dystrophy Association, Everytown for Gun Safety, and the Last Prisoner Project.
Rachael joined Morgan Stanley in 2021 and previously developed her skillset as one of the Top 100, of over 6,500, Client Associates at Merrill Lynch Wealth Management for 5 years. She graduated Cum Laude from The University at Buffalo with a bachelor's degree in Business Administration and a concentration in Finance after only 3 years.
In her free time, Rachael enjoys traveling, exercising, and playing pickleball with her husband, Tony. They currently reside in Hoboken, NJ. Rachael supports charities such as Experience Camps, the Muscular Dystrophy Association, Everytown for Gun Safety, and the Last Prisoner Project.
Securities Agent: RI, AK, SD, NM, NC, MN, ME, LA, FL, AL, OR, NY, GA, DE, WV, MA, OK, NV, IN, AZ, AR, WY, SC, PA, IA, CT, OH, NH, MD, DC, VT, TX, TN, ND, MT, IL, ID, CO, VA, NE, MI, WA, NJ, KY, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2396015
NMLS#: 2396015
About Ethan Solat
Ethan is a Registered Client Service Associate working with The Vigue Group since 2022. Ethan first joined Morgan Stanley in August of 2021 as a Financial Operations Analyst with the Fixed Income Division before transitioning to the Wealth Management side. He has a wide range of responsibilities, which began as administrative assistance, but is now transforming to help the team with investment management and portfolio trading. He will work alongside our administrative associate in managing cash needs, rebalancing investments to align with client needs, research and meet with our external fund partners, and more.
Ethan graduated from SUNY Brockport receiving a double major in Finance and Marketing, and a minor in Economics. While studying for his degrees, he played for the NCAA Men’s Division III collegiate ice hockey team.
He currently resides in Manhattan with his girlfriend, Bri, and in his free time, enjoys playing hockey, golf and the guitar. He is a dedicated sports fan and comes from a sports-oriented family with two siblings; one of them being an identical twin brother who also works at Morgan Stanley.
Disclaimer:
Rebalancing does 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.
Ethan graduated from SUNY Brockport receiving a double major in Finance and Marketing, and a minor in Economics. While studying for his degrees, he played for the NCAA Men’s Division III collegiate ice hockey team.
He currently resides in Manhattan with his girlfriend, Bri, and in his free time, enjoys playing hockey, golf and the guitar. He is a dedicated sports fan and comes from a sports-oriented family with two siblings; one of them being an identical twin brother who also works at Morgan Stanley.
Disclaimer:
Rebalancing does 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.
About Jennifer Hoffman
Jenny is a Registered Client Service Associate who has been working with Morgan Stanley since 2022. She graduated from the University of Delaware in 2019 with a major in Early Childhood Education, and a concentration in Special Education. Upon graduating, she moved back to New Jersey where she taught 1st grade for three years throughout the COVID-19 Pandemic. Upon completing her third year of teaching, she made the decision to transition into Finance to pursue a budding interest and, she now enjoys combining her teaching skills with her knowledge of finance to assists individuals and families with their financial goals. Jenny obtained her Series 7 and Series 66 licenses and, most recently, the Chartered Retirement Planning Counselor (CRPC) designation* since joining the firm.
On our team, Jenny has a wide range of responsibilities, which include servicing existing clients, onboarding new clients, and providing support to our financial advisors. She ensures all daily activities are being processed efficiently and in a timely manner, while delivering white-glove service. You may engage with Jenny on any administrative requests, which include but are not limited to: money movement, account/profile servicing, check/debit card inquiries, stock transfers, document requests, Morgan Stanley Online assistance, etc.
She currently resides in Somerset, New Jersey, and in her free time, enjoys hiking with her dog (Tuna), reading, traveling, and trying restaurants. Jenny supports charities such as Save the Children, the American Heart Association, and Feeding America.
*This role cannot solicit or provide investment advice
On our team, Jenny has a wide range of responsibilities, which include servicing existing clients, onboarding new clients, and providing support to our financial advisors. She ensures all daily activities are being processed efficiently and in a timely manner, while delivering white-glove service. You may engage with Jenny on any administrative requests, which include but are not limited to: money movement, account/profile servicing, check/debit card inquiries, stock transfers, document requests, Morgan Stanley Online assistance, etc.
She currently resides in Somerset, New Jersey, and in her free time, enjoys hiking with her dog (Tuna), reading, traveling, and trying restaurants. Jenny supports charities such as Save the Children, the American Heart Association, and Feeding America.
*This role cannot solicit or provide investment advice
Contact Paul Vigue
Contact Rachael A. Christiano (Rohrig)
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Mary Beth Powers
Trust Specialist
Tony Silva
Private Banker
Charlotte Spatz
Private Banker
Angelo Loumbas
Family Office Resource Generalist
About Mary Beth Powers
Mary Beth Powers is Executive Director and Trust Specialist for Morgan Stanley covering the New York Metro region, responsible for presenting Morgan Stanley’s third-party trustee partner platform to Morgan Stanley Wealth Management Financial Advisors, clients and prospects. Leveraging the capabilities of our trust company partners, Mary Beth assists to identify appropriate fiduciary solutions, which are essential to the management, preservation and transfer of accumulated wealth. This process includes coordination with the client’s financial, legal and tax advisors to ensure proper trust planning implementation.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
About Tony Silva
Tony Silva is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.
Tony began his career in financial services in 1995 and joined Morgan Stanley in 2015 as a Pipeline Manager in our Home Loans organization. In 2017, he was promoted to Project Manager on that team. Tony assumed his current position in February, 2018. Prior to his tenure at the firm, Tony held a number of roles at mortgage financing institutions.
Tony received a Bachelor of Science in Management from Rutgers University. He and his family reside in Livingston, New Jersey.
When not at the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
Tony began his career in financial services in 1995 and joined Morgan Stanley in 2015 as a Pipeline Manager in our Home Loans organization. In 2017, he was promoted to Project Manager on that team. Tony assumed his current position in February, 2018. Prior to his tenure at the firm, Tony held a number of roles at mortgage financing institutions.
Tony received a Bachelor of Science in Management from Rutgers University. He and his family reside in Livingston, New Jersey.
When not at the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
NMLS#: 217945
About Charlotte Spatz
Charlotte Spatz is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Charlotte began her career in financial services in 2015, and joined Morgan Stanley in 2016 as a Complex Administrator. Prior to being promoted to her current position, Charlotte served as an Associate Private Banker supporting Wealth Management offices in New York City and was a Regional Administrator before that. Before joining the firm, she was an Operations Associate at the Lebenthal & Co.
Charlotte is a graduate of the Marist College, where she received a Bachelor of Arts in Communication. She currently lives in Greenwich, Connecticut.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Charlotte began her career in financial services in 2015, and joined Morgan Stanley in 2016 as a Complex Administrator. Prior to being promoted to her current position, Charlotte served as an Associate Private Banker supporting Wealth Management offices in New York City and was a Regional Administrator before that. Before joining the firm, she was an Operations Associate at the Lebenthal & Co.
Charlotte is a graduate of the Marist College, where she received a Bachelor of Arts in Communication. She currently lives in Greenwich, Connecticut.
NMLS#: 2008389
About Angelo Loumbas
Angelo is the Family Office Resources Generalist for Family Office Resources in the New York Metro and New England regions. Angelo provides specialized knowledge to ultra-high net worth clients and their Morgan Stanley Financial Advisors across a broad range of family wealth management issues, including family governance/dynamics, wealth education, strategic estate and financial planning, philanthropy management, lifestyle advisory and customized asset allocation and portfolio construction. Angelo has over twenty-five years experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago, Angelo practiced law for 15 years and represented ultra-high net worth clients and the businesses they owned, as well as major philanthropic organizations. Angelo is admitted to the Society of Trust and Estate Practitioners. He has spoken on topics such as “Conditions Suggesting a Management Buyout” before the Chicago Bar Association Corporation and Business Law Committee, “Tax Consequences of Intra-Family Loans,” before the Chicago Bar Association Trust Law Committee, and “Conversations about Wealth and Philanthropy with Prospective Donors” before the Chicago Council on Planned Giving.
Prior to rejoining Morgan Stanley in his current position in 2018, Angelo advised wealthy clients in the financial services industry for 10 years, first as a Wealth Strategist with US Trust in Chicago, then a Wealth and Estate Planning Specialist within Family Office Resources in Chicago, and finally as a Senior Wealth Planning Strategist for the Wells Fargo Private Bank in Greenwich, Connecticut. Angelo earned his B.A. from DePauw University, his M.B.A. from the University of Notre Dame, and his law degree from Indiana University at Bloomington. He is Series 7, 66 and 24 licensed. Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club, in 2009-2010, and now lives in Armonk, New York with his wife, a native New Yorker, and their two children.
Originally from Chicago, Angelo practiced law for 15 years and represented ultra-high net worth clients and the businesses they owned, as well as major philanthropic organizations. Angelo is admitted to the Society of Trust and Estate Practitioners. He has spoken on topics such as “Conditions Suggesting a Management Buyout” before the Chicago Bar Association Corporation and Business Law Committee, “Tax Consequences of Intra-Family Loans,” before the Chicago Bar Association Trust Law Committee, and “Conversations about Wealth and Philanthropy with Prospective Donors” before the Chicago Council on Planned Giving.
Prior to rejoining Morgan Stanley in his current position in 2018, Angelo advised wealthy clients in the financial services industry for 10 years, first as a Wealth Strategist with US Trust in Chicago, then a Wealth and Estate Planning Specialist within Family Office Resources in Chicago, and finally as a Senior Wealth Planning Strategist for the Wells Fargo Private Bank in Greenwich, Connecticut. Angelo earned his B.A. from DePauw University, his M.B.A. from the University of Notre Dame, and his law degree from Indiana University at Bloomington. He is Series 7, 66 and 24 licensed. Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club, in 2009-2010, and now lives in Armonk, New York with his wife, a native New Yorker, and their two children.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Vigue Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
3Morgan 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
3Morgan 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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)
