Jordan S King
Senior Vice President, Financial Advisor, Senior Investment Management Consultant, Senior Portfolio Management Director, Family Wealth Advisor, Workplace Advisor - Equity Compensation
Phone:
(781) 672-5106(781) 672-5106
The Vine Brook Group at Morgan Stanley
Direct:
(781) 672-5000(781) 672-5000
Toll-Free:
(800) 344-4495(800) 344-4495
Our Mission Statement
We help you stay on track financially, so you can focus on taking care of the things that matter most to you: your family, your career and retiring with confidence.
Our Story & Services
The Vine Brook Group at Morgan Stanley is a seasoned team of wealth management professionals. We have come together because we recognize that our whole is much more valuable than the sum of our parts. Given that there is so much at stake, we want to be sure we can always put our best foot forward when it comes to delivering world class ideas and service to help our clients meet their goals and fulfill their dreams.
Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals.
As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make an informed decision on any financial issue.
Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals.
As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make an informed decision on any financial issue.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
YOU DEFINE SUCCESS, WE HELP YOU ACHIEVE IT
Gathering information, putting the puzzle pieces in place and ultimately seeing the big picture are strengths of ours. As your life and career evolve, so do your goals. We will work together to identify what success looks like for you and we will help you achieve it. Below are some of the topics we help our clients address every day.
Family
Is money a taboo topic in your family? The focal point should be your family’s values and what you as a family hope to accomplish with what you have, and not how much you have. Ask your kids questions that encourage them to formulate their own answers.
5 Tips for Talking to Your Kids About Money
Education Funding
With education costs rising, paying for college has become a major life expense that requires smart planning. Find answers to key questions here.
Education Planning Center: 529s and More
New Beginnings
Divorce or the death of a spouse can turn the best laid financial plans upside down. Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into a positive new beginning.
Financial Planning After a Divorce or Death
Charitable Giving
One of the reasons that you work so hard is to be able to give back to others. But you also want to make sure that your support for the causes and people you care about has the biggest possible impact. Consider these 5 ways to make your giving go further.
5 Tax-Savvy Ways to Give
Retirement
By the time many of us reach our 40s and 50s, we’ve accumulated a slew of retirement accounts: An IRA here, a Roth IRA there, and two or three scattered 401(k) accounts left with former employers. As the accounts add up, it’s important to get a clear picture of your overall retirement preparedness.
Do You Know Where Your Retirement Savings Are?
Succession Planning
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for. Learn more about where a trust might make sense.
Legacy Trusts and Estate PlanningOur goal is to ensure that clients feel educated and have confidence that their investment plan can weather market ups and downs. This starts with reinforcing the basics of investing, designing a strategy that is tailored to your needs and demystifying the overall investment process. We are committed to providing you with important information about managing your wealth more effectively in today’s global markets. To learn more about topics impacting your financial life:
The GIC Weekly
Morgan Stanley’s Global Investment Committee is tasked with shaping the foundational advice we provide to our clients. Lisa Shalett provides her latest insights into the GIC’s latest thinking on the markets,
See the most recent weekly report
Morgan Stanley Reserved Insights
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, listen to our best-in-class Global Investment Committee as they discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts on the Market Podcast
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Morgan Stanley Ideas Podcast
2024 Federal Tax Table
This table outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2024 Tax Table
Maximum Benefit & Contribution Limits
This document highlights the maximum benefit contribution limits for 2024.
View Maximum Benefit & Contribution Limits
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored securely.
Get Started Today
Total Wealth View
Our Total Wealth View platform enables you to see all of your assets and liabilities together in one place-whether they are held at Morgan Stanley or elsewhere.
Learn More
A Safe Business Exiting Strategy
Take a listen to a podcast exploring the crucial considerations and strategic steps relevant to closing a business, safeguarding value, and ensuring a smooth transition.
Listen here
Choosing a Business Entity
Navigate the complexities of selecting the optimal business entity insights into the advantages and implications to make an informed decision tailored to your entrepreneurial goals.
Learn more on choosing a business entity
The Value of Tax-Efficient Investing
Unlock the secrets of tax-efficient investing for small business owners, exploring strategies to optimize returns while minimizing tax liabilities for sustained financial growth.
Learn about tax-efficient investing
Millennials Shift in Small Business Insurance
Discover how millennials are reshaping the landscape of small business insurance, delving into the evolving preferences and innovative trends driving paradigm shift in coverage choices.
Learn about the shift in focus for retirement plans of millennials
Importance in Selecting Retirement Plans for Small Businesses
Uncover the pivotal role of selecting the right retirement plans in small businesses, as this article explores how strategic choices can impact employee satisfaction, financial stability, and long-term success.
Learn more on SEPs, Simples, and 401(k) plans
Additional Resource on Selecting Small Business Retirement Plans
Read more about retirement plans for small businesses.
Click to learn moreLocation
112 Worcester Street
Wellesley, MA 02481
US
Direct:
(781) 672-5000(781) 672-5000
Toll-Free:
(800) 344-4495(800) 344-4495
Meet The Vine Brook Group
Pamela T Lasher, CFP®, CDFA®
Senior Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Associate, Workplace Advisor - Equity Compensation
Phone:
(781) 672-5276(781) 672-5276
Denise E Simpson
Financial Advisor, Vice President, Wealth Management
Phone:
(781) 431-6734(781) 431-6734
Elena Istratescu, CFP®
Wealth Management Associate, Financial Planning Specialist
Phone:
(781) 672-5184(781) 672-5184
Debra R Davidoff
Portfolio Associate, Financial Planning Specialist
Phone:
(781) 672-5260(781) 672-5260
About Jordan S King
Jordan King is a founding partner, chief investment officer and operating director of the Vine Brook Group at Morgan Stanley. He has been in the investment management business for over 30 years. Jordan has guided clients through many distinct market cycles and historic downturns (notably 2000, 2008, 2020 and 2022.) The Team’s investment philosophy is informed by this experience and is based on four investment pillars: investment management is the management of risk and not the management of returns, market timing is meaningless, taking a contrarian position has the potential to enhance your success and ”It’s never different this time”.
Throughout his career, Jordan has demonstrated his ability to work closely with families to understand their circumstances, their finances, their individual and collective goals, and how these may impact one another while creating a risk managed portfolio that is aligned with their investment aspirations.
A Senior Portfolio Management Director and Senior Investment Management Consultant, Jordan’s primary role for The Vine Brook Group team is portfolio construction and ongoing management and oversight of the Team’s investment portfolios. Jordan holds additional titles of Workplace Advisor and Financial Wealth Advisor, FWA.
Outside of his work at Morgan Stanley, Jordan plays the drums in his cover band, Bad Reputation. Jordan is an Economist by training with a bachelor’s degree from The University of Massachusetts at Amherst (1985). The father of three grown children, Jordan enjoys music, pickleball and boating with his wife Donna.
Throughout his career, Jordan has demonstrated his ability to work closely with families to understand their circumstances, their finances, their individual and collective goals, and how these may impact one another while creating a risk managed portfolio that is aligned with their investment aspirations.
A Senior Portfolio Management Director and Senior Investment Management Consultant, Jordan’s primary role for The Vine Brook Group team is portfolio construction and ongoing management and oversight of the Team’s investment portfolios. Jordan holds additional titles of Workplace Advisor and Financial Wealth Advisor, FWA.
Outside of his work at Morgan Stanley, Jordan plays the drums in his cover band, Bad Reputation. Jordan is an Economist by training with a bachelor’s degree from The University of Massachusetts at Amherst (1985). The father of three grown children, Jordan enjoys music, pickleball and boating with his wife Donna.
Securities Agent: DE, PA, NY, FL, AZ, WA, OH, DC, AL, WI, ME, IL, TN, NM, NC, MD, VT, VA, SC, NH, MI, CA, MA, GA, CT, MO, CO, TX, OR, NJ, UT, RI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274480
NMLS#: 1274480
About Pamela T Lasher
Pam Lasher, a Certified Financial Planner® and a Certified Divorce Financial Analyst™, brings over 30 years of experience in the financial services industry to her role as a financial advisor and chief planning strategist at The Vine Brook Group. Pam began her career in the late 1980’s, when most clients and advisors were men. Inspired by those early experiences, she focuses her practice on helping women in transition due to death of a spouse, divorce, or retirement.
Pam has always been dedicated to providing clients and their families with comprehensive wealth management and financial planning. For Pam and The Vine Brook Group, wealth management means more than just investments. Providing strategies for wealth enhancement, wealth protection, wealth transfer and charitable giving are all part of the process. Optimizing just how wealth is used is also part of the process. In addition to investment management, Pam’s primary roles on the team are financial planning, practice management and coordination of women’s initiatives.
Pam received her Bachelor of Science in Business Administration from The University of New Hampshire in Durham, NH. She is a mother of two grown children She enjoys sailing with her husband on Buzzards Bay and spending time with her Labrador retriever.
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.
Pam has always been dedicated to providing clients and their families with comprehensive wealth management and financial planning. For Pam and The Vine Brook Group, wealth management means more than just investments. Providing strategies for wealth enhancement, wealth protection, wealth transfer and charitable giving are all part of the process. Optimizing just how wealth is used is also part of the process. In addition to investment management, Pam’s primary roles on the team are financial planning, practice management and coordination of women’s initiatives.
Pam received her Bachelor of Science in Business Administration from The University of New Hampshire in Durham, NH. She is a mother of two grown children She enjoys sailing with her husband on Buzzards Bay and spending time with her Labrador retriever.
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.
Securities Agent: CT, GA, NJ, DE, WI, VT, TX, NM, NH, MO, OH, CA, UT, MD, MA, IL, MI, OR, NC, DC, AZ, WA, VA, TN, ME, CO, RI, FL, NY, AL, SC, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1785337
NMLS#: 1785337
About Denise E Simpson
Denise Simpson has spent her life surrounded by those in the aviation industry. Her parents were Boeing engineers who worked on the design of the 737 and 777 and her husband has been a commercial airline pilot for more than 15 years.
As a caring and knowledgeable wealth management professional, Denise has developed a disciplined process to help clients define and reach their financial goals, so they can focus on what matters most: family, career and retiring with confidence.
Just like a pilot who sets a flight plan for the journey ahead, she begins by understanding where you are today and where you want to go. She then assesses the path you are on and provides easy to implement and actionable ideas to help ensure you arrive at your destination on schedule.
Denise’s passion has always been to serve her community. For 20 years, she worked in the philanthropic arena, supporting donors in fulfilling their charitable vision. Charitable giving can be an integral part of a family’s wealth management picture, and Denise brings her experience as a professional to assist our clients and their families with their charitable goals.
Denise received her Bachelor of Arts in International Relations and German from University of the Pacific in California and later obtained her Master of Business Administration at Babson College. She lives in Needham with her husband James and their children. She enjoys cheering her two daughters on at volleyball tournaments and being a Class Parent Representative at Ursuline Academy where both girls attend.
As a caring and knowledgeable wealth management professional, Denise has developed a disciplined process to help clients define and reach their financial goals, so they can focus on what matters most: family, career and retiring with confidence.
Just like a pilot who sets a flight plan for the journey ahead, she begins by understanding where you are today and where you want to go. She then assesses the path you are on and provides easy to implement and actionable ideas to help ensure you arrive at your destination on schedule.
Denise’s passion has always been to serve her community. For 20 years, she worked in the philanthropic arena, supporting donors in fulfilling their charitable vision. Charitable giving can be an integral part of a family’s wealth management picture, and Denise brings her experience as a professional to assist our clients and their families with their charitable goals.
Denise received her Bachelor of Arts in International Relations and German from University of the Pacific in California and later obtained her Master of Business Administration at Babson College. She lives in Needham with her husband James and their children. She enjoys cheering her two daughters on at volleyball tournaments and being a Class Parent Representative at Ursuline Academy where both girls attend.
Securities Agent: MA, NM, RI, OH, CO, GA, FL, UT, SC, ME, AL, WA, VA, NJ, DE, MO, AZ, WI, OR, NH, MD, DC, WV, CT, PA, NY, NC, IL, CA, MI, VT, TX, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1297947
NMLS#: 1297947
About Elena Istratescu
Elena Istratescu is a Wealth Management Associate with The Vine Brook Group at Morgan Stanley. Elena is responsible for client service and administrative support functions, while also playing a key role in streamlining operational processes, assisting with investment management and financial planning implementation and monitoring, and uncovering new business opportunities. Elena not only knows how to help meet each client's specific needs, she also knows how to anticipate them as well. Among other things, the combination of Elena’s industry knowledge, reliability and upbeat personality gives clients confidence as she works to find solutions to their financial challenges.
Elena’s desire to cultivate relationships with clients and proactively help them resolve issues, her persistence to learn and grow, and her attention to detail are all a direct result of her parents’ unbreakable work ethic and dedication to building a new life after emigrating to the U.S. from Eastern Europe.
Elena received her Bachelors’ degree in Business Administration and Economics from Worcester State University. Prior to joining Morgan Stanley, Elena worked as a mortgage consultant and helped her clients achieve the American dream of owning a home.
Elena’s desire to cultivate relationships with clients and proactively help them resolve issues, her persistence to learn and grow, and her attention to detail are all a direct result of her parents’ unbreakable work ethic and dedication to building a new life after emigrating to the U.S. from Eastern Europe.
Elena received her Bachelors’ degree in Business Administration and Economics from Worcester State University. Prior to joining Morgan Stanley, Elena worked as a mortgage consultant and helped her clients achieve the American dream of owning a home.
About Debra R Davidoff
Debra Davidoff is a Portfolio Associate and Financial Planning Associate who came to Morgan Stanley in June of 2008 from UBS Financial Services where she was the Branch Risk Officer. Debby has over 28 years of experience in the financial services industry. Debby is known for providing premier client service. She has the Series 3, 7, 63 and insurance licenses. Debby received her Bachelor of Arts degree in Psychology from Boston University. She started her career in the financial services industry at Kidder, Peabody & Co. Inc., as an Assistant in the Municipal Bond Department. Debby enjoys working out, traveling, cooking and fishing.
Contact Jordan S King
Contact Pamela T Lasher
Contact Denise E Simpson
Wealth Management
From Our Team
The Soft Landing Gets More Comfortable
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Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Vine Brook Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
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)
