Senior Vice President, Wealth Advisor, Senior Investment Management Consultant, Senior Portfolio Management Director, Alternative Investments Director, Wealth Advisor
Phone:
(505) 988-7722(505) 988-7722
The Vista Group at Morgan Stanley
Our Mission Statement
Meaningful financial planning for your life and legacy
Welcome to The Vista Group; Providing Vision and Perspective for Your Financial Future
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 the financial world becomes more complex and investment choices multiply, careful planning becomes more important to helping you achieve your financial goals.
As Financial Advisors, our role is to help you use your wealth to achieve what is most important to you. We are committed to building a relationship of trust.
We work with you to help you develop a strategy that lays out a clear path to your goals — a strategy that we develop in collaboration with you, and one that you can follow with confidence in the face of the market’s ups and downs.
Drawing on the team’s experience — and perspective informed by the insight and resources of one of the world’s largest financial firms — we will translate your goals into a specific Investment objective and personalized investment strategy, structure a portfolio, implement and continually refine the strategy to help bring you closer to your definition of investment success.
In short, your goals become our focus, and working towards them becomes a commitment that we share.
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 the financial world becomes more complex and investment choices multiply, careful planning becomes more important to helping you achieve your financial goals.
As Financial Advisors, our role is to help you use your wealth to achieve what is most important to you. We are committed to building a relationship of trust.
We work with you to help you develop a strategy that lays out a clear path to your goals — a strategy that we develop in collaboration with you, and one that you can follow with confidence in the face of the market’s ups and downs.
Drawing on the team’s experience — and perspective informed by the insight and resources of one of the world’s largest financial firms — we will translate your goals into a specific Investment objective and personalized investment strategy, structure a portfolio, implement and continually refine the strategy to help bring you closer to your definition of investment success.
In short, your goals become our focus, and working towards them becomes a commitment that we share.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Professional Portfolio ManagementFootnote4
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote5
- LGBT+ Planning ServicesFootnote6
- Life InsuranceFootnote7
- Philanthropic ManagementFootnote8
- Alternative InvestmentsFootnote9
- Planning for Education FundingFootnote10
- Sustainable InvestingFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Introduction:
Our role is to help you ensure that your investment objectives are consistent with both your pressing financial concerns and your long-term aspirations. Working together, we define what is important to you and develop the solutions to help get you there. We have developed a disciplined process to help you achieve your goals.
Step 1: Getting to Know Each Other
Our relationship begins with listening to learn about who you are as a person. We meet to talk – not just about your assets, but also about your values, aspirations and vision for the future. Understanding who you are and what you hope to accomplish enables us to identify potential gaps that may exist between you and your goals, and to develop customized strategies that help maximize your likelihood of success.
Step 2: Developing your Personalized Wealth Management Strategy
Based on our discussions, we have gathered all of what matters most to you. We will work collaboratively to develop specific strategies which are tailored to your unique financial situation. Our advice may encompass issues such as retirement planning, tax minimization potential, wealth transfer and family dynamics.
Step 3: Implementing your Strategy
After we have discussed and refined your strategy, we work closely with you to bring the elements to life. We will work diligently to implement each step with the care, focus and the respect that you expect. Combining our skills and experience with the resources and intellectual capital of Morgan Stanley. Whatever approach we decide on together, our team will help you keep your strategy on track.
Step 4: Ongoing Commitment
We view ongoing communication as the foundation of our successful collaboration with you. We will be proactive, identifying areas of opportunity or concern, and staying abreast of changes with you, your family and the world. We will suggest appropriate adjustments to your strategy to help it remain aligned with your goals. Our goal is to always be a guide and resource you can turn to at any time.
Awards, Recognitions & Community Involvement
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. Giving back to the community and serving as volunteers on non-profit boards is important to us.
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. Giving back to the community and serving as volunteers on non-profit boards is important to us.
Mitch Vigil - Forbes Magazine | Forbes Best-in-State Next-Gen Wealth Advisors | 2024
Mitch Vigil was named one of Forbes Best-in-State Next-Gen Wealth Advisors in 2024.
Disclosure:
Forbes Best-in-State Next-Gen Wealth Advisors
Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Disclosure:
Forbes Best-in-State Next-Gen Wealth Advisors
Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
John Rochester - Forbes Magazine | America's Best-in-State Wealth Advisors | 2022
John Rochester has been named to Forbes Magazine's 2022 List of America's Best-in-State Wealth Advisors.
Disclosure:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Disclosure:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
John Rochester - Forbes Magazine | America's Best-in-State Wealth Advisors | 2018
John Rochester has been named to Forbes Magazine's 2018 List of America's Best-in-State Wealth Advisors.
Disclosure:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Feb 2018) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17.
Disclosure:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Feb 2018) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17.
John Rochester - Community Involvement
CURRENT:
•Presbyterian Healthcare Foundation (Albuquerque, NM) - Treasurer, Board Member
PAST:
• Museum of New Mexico Foundation (Santa Fe NM) – Advisory Trustee
• New Mexico Arts Commission (Statewide) - Commissioner
• The Food Depot (Santa Fe, NM) – President, Treasurer
• Lambda Literary Foundation (Los Angeles, CA) – Vice President, Treasurer
• Santa Fe Performing Arts (Santa Fe, NM) – President, Treasurer
• Resolve (IMPACT Personal Safety) (Santa Fe, NM) – Board member, Chair of Finance Committee
• Santa Fe Community College Foundation (Santa Fe, NM) – Philanthropy Advisory Committee
• Santa Fe Community Foundation (Santa Fe, NM) – Future Santa Fe and Envision Fund Committees
•Presbyterian Healthcare Foundation (Albuquerque, NM) - Treasurer, Board Member
PAST:
• Museum of New Mexico Foundation (Santa Fe NM) – Advisory Trustee
• New Mexico Arts Commission (Statewide) - Commissioner
• The Food Depot (Santa Fe, NM) – President, Treasurer
• Lambda Literary Foundation (Los Angeles, CA) – Vice President, Treasurer
• Santa Fe Performing Arts (Santa Fe, NM) – President, Treasurer
• Resolve (IMPACT Personal Safety) (Santa Fe, NM) – Board member, Chair of Finance Committee
• Santa Fe Community College Foundation (Santa Fe, NM) – Philanthropy Advisory Committee
• Santa Fe Community Foundation (Santa Fe, NM) – Future Santa Fe and Envision Fund Committees
Mitch Vigil - Community Involvement
CURRENT:
• New Mexico Cancer Center Foundation, President/Board Chair 2016-Present
PAST:
• Big Brothers Big Sisters Mentor 2.0 January 2016 – March 2019
• New Mexico Cancer Center Foundation, President/Board Chair 2016-Present
PAST:
• Big Brothers Big Sisters Mentor 2.0 January 2016 – March 2019
Carlos Duque - Community Involvement
PAST:
• St. Martin’s Hope Works (now Hope Works) – Board member
• St. Martin’s Hope Works (now Hope Works) – Board member
A Tradition of Service to the LGBTQ+ Community
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Learn More HereLocation
150 Washington Ave
Suite 301
Santa Fe, NM 87501
US
6565 Americas Pkwy NE
Ste 400
Albuquerque, NM 87110
US
Meet The Vista Group
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(505) 889-2866(505) 889-2866
Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Insurance Planning Director, Financial Planning Specialist
Phone:
(505) 889-2833(505) 889-2833
Cindy Snapka
Client Services Associate
Phone:
(505) 889-2805(505) 889-2805
About John Rochester
John Rochester is the founder of the Vista Group, a financial advisory team located in Santa Fe providing leading advice to individuals, as well as charitable organizations. He has been in the financial service industry for 31 years having been affiliated with Merrill Lynch, Morgan Stanley and its predecessor firms. John has been recognized on the Forbes “America’s Best-in-State Wealth Advisors” list, first in 2018 and again in 2022.
Previously, John’s career was in public accounting where he focused on not-for-profit, governmental and retirement plan clients. It was during that time that he became aware of clients’ needs for translating their goals into specific investment objectives and personalized investment strategies. Realizing that by structuring portfolios which could be implemented and then continually refined, John knew his professional commitment was to help bring clients closer to their definition of financial success.
John has a long history of local and national philanthropy having served on numerous boards ranging from the arts to food insecurity, education, LGBTQ issues and animal rights. He has been awarded a number of distinguished accolades for his dedication including the “2007 America’s Promise National Volunteer of the Year” award, a “Presidential Point of Light Service Award” in 2007 and the “2000 Code of the West Volunteer Service Award”. He was also recognized in 2014 as one of the “10 Who Made a Difference” in Santa Fe. John is continuing his philanthropic service as a member of the New Mexico State Arts Commission, Treasurer of the Presbyterian Health Foundation Board, and Trustee for The Museum of New Mexico Foundation.
Previously, John’s career was in public accounting where he focused on not-for-profit, governmental and retirement plan clients. It was during that time that he became aware of clients’ needs for translating their goals into specific investment objectives and personalized investment strategies. Realizing that by structuring portfolios which could be implemented and then continually refined, John knew his professional commitment was to help bring clients closer to their definition of financial success.
John has a long history of local and national philanthropy having served on numerous boards ranging from the arts to food insecurity, education, LGBTQ issues and animal rights. He has been awarded a number of distinguished accolades for his dedication including the “2007 America’s Promise National Volunteer of the Year” award, a “Presidential Point of Light Service Award” in 2007 and the “2000 Code of the West Volunteer Service Award”. He was also recognized in 2014 as one of the “10 Who Made a Difference” in Santa Fe. John is continuing his philanthropic service as a member of the New Mexico State Arts Commission, Treasurer of the Presbyterian Health Foundation Board, and Trustee for The Museum of New Mexico Foundation.
Securities Agent: TN, OK, AL, ME, UT, CO, TX, SC, MO, WY, NV, IA, CT, WA, VT, NM, NC, AZ, VA, OH, NY, NJ, NE, MI, IL, ID, GA, CA, MS, FL, WI, SD, MT, MD, MA, KS, NH, MN, DC, AR, OR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268361
CA Insurance License #: 0K51407
NMLS#: 1268361
CA Insurance License #: 0K51407
About Mitch Vigil
Mitch Vigil brings an extensive amount of experience to his role as a Financial Advisor. Born and raised in Albuquerque, New Mexico, Mitch enjoys working in the city he calls home. Mitch joined Morgan Stanley in 2015, and rapidly grew his career by enhancing the service and advice he provides to clients, becoming a Senior Vice President and Senior Portfolio Manager. He focuses on providing personalized advice and service through a disciplined wealth management process. Mitch serves a wide and diverse range of clients, though a large portion of Mitch’s clientele are women above the age of 50, both single and married.
When asked about his role, Mitch said “As a family man and member of the community, I understand what is important to me and what brings me fulfillment. Taking the time to listen and truly understand what makes my clients happy, what they value, who's important in their life, and what they enjoy doing most is the center of our relationship. In order to help my clients spend more time on the things that matter most to them, I bring the tools and resources to help make sure their financial future is secure and they are fulfilled personally. Working closely with others to help craft, build and maintain their chosen lifestyle is what drives my passion and my life.”
Mitch earned his B.A. in Business Administration, Financial Management, and Economics from the University of New Mexico. He volunteers and is the board chair/president of the New Mexico Cancer Center Foundation. This foundation helps cancer patients with non-medical financial costs and other support services.
Mitch has been married to Camaree since 2015, and they have two children together, Greyson and Camila. In his free time, Mitch enjoys reading, exercising, mountain biking, and doing house projects with his wife.
When asked about his role, Mitch said “As a family man and member of the community, I understand what is important to me and what brings me fulfillment. Taking the time to listen and truly understand what makes my clients happy, what they value, who's important in their life, and what they enjoy doing most is the center of our relationship. In order to help my clients spend more time on the things that matter most to them, I bring the tools and resources to help make sure their financial future is secure and they are fulfilled personally. Working closely with others to help craft, build and maintain their chosen lifestyle is what drives my passion and my life.”
Mitch earned his B.A. in Business Administration, Financial Management, and Economics from the University of New Mexico. He volunteers and is the board chair/president of the New Mexico Cancer Center Foundation. This foundation helps cancer patients with non-medical financial costs and other support services.
Mitch has been married to Camaree since 2015, and they have two children together, Greyson and Camila. In his free time, Mitch enjoys reading, exercising, mountain biking, and doing house projects with his wife.
Securities Agent: ME, KS, ID, AR, DC, MN, CA, WA, SD, SC, NH, AL, MA, IA, FL, WY, OH, NY, NC, MD, NM, MT, MI, AZ, UT, TN, WI, NJ, MO, VT, VA, OK, NV, NE, MS, IL, GA, CT, CO, TX, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1492060
NMLS#: 1492060
About Carlos Duque
With more than 16 years of financial industry experience, we are firmly committed to long-term relationships and strive to deliver exceptional client service. We listen very carefully to each client’s aspirations and concerns, and based on this input, we work diligently to help them achieve their most important goals.
I have been working in the financial industry since 2005 and believe that honesty, respect and hard work are essential values in both my professional and personal life. Prior to joining Morgan Stanley in 2011, I was a financial advisor at Wells Fargo. I also worked for a top-tier accounting firm as a tax consultant. I earned my Bachelor’s degree in accounting and my post graduate degree in taxes from the renowned Panamerican University in Mexico City.
Originally from Mexico City, I was raised and lived there for 25 years before coming to New Mexico. I met my wife, Victoria, in 2001, and we have three children, Ella, Patrick and Andre. We have been living in Rio Rancho since 2009. Outside of work, I enjoy spending time with my family, training for triathlons and striving for a balanced and healthy lifestyle. I am constantly seeking challenges and motivated toward new goals. I have completed five sprint triathlons, one Olympic and my first Half Ironman in Boulder, CO in August of 2022.
I have been working in the financial industry since 2005 and believe that honesty, respect and hard work are essential values in both my professional and personal life. Prior to joining Morgan Stanley in 2011, I was a financial advisor at Wells Fargo. I also worked for a top-tier accounting firm as a tax consultant. I earned my Bachelor’s degree in accounting and my post graduate degree in taxes from the renowned Panamerican University in Mexico City.
Originally from Mexico City, I was raised and lived there for 25 years before coming to New Mexico. I met my wife, Victoria, in 2001, and we have three children, Ella, Patrick and Andre. We have been living in Rio Rancho since 2009. Outside of work, I enjoy spending time with my family, training for triathlons and striving for a balanced and healthy lifestyle. I am constantly seeking challenges and motivated toward new goals. I have completed five sprint triathlons, one Olympic and my first Half Ironman in Boulder, CO in August of 2022.
Securities Agent: TN, CO, DC, WI, SD, NY, MI, MD, MO, AZ, NC, MS, VA, UT, MN, AL, OR, MT, ID, NJ, KS, NV, FL, CT, WA, VT, TX, NE, GA, AR, SC, NM, MA, CA, WY, OK, OH, NH, ME, IL, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1393537
NMLS#: 1393537
About Cindy Snapka
I am proud to be a part of the Morgan Stanley team. I am a Client Service Associate with over 28 years of service experience. I enjoy working closely with my Financial Advisors and want to deliver a level of service that exceeds our clients’ expectations in every way. I strive to create an environment that is welcoming, accommodating, and professional.
I have lived in Albuquerque since 1987. I enjoy being with family and friends (people and animals!) My hobbies are scrapbooking, cardmaking, and exploring the local parks with my dog. I actually take my cat for a walk too or, should I say, my cat walks me! I enjoy the outdoors and would love to travel more and explore all parts of our beautiful country.
I have lived in Albuquerque since 1987. I enjoy being with family and friends (people and animals!) My hobbies are scrapbooking, cardmaking, and exploring the local parks with my dog. I actually take my cat for a walk too or, should I say, my cat walks me! I enjoy the outdoors and would love to travel more and explore all parts of our beautiful country.
Contact John Rochester
Contact Mitch Vigil
Contact Carlos Duque
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
Rick Dombrowski
Private Banker
Alex Delgadillo
Financial Planning Director, Vice President
Trammel Austin
Planning Associate
About Rick Dombrowski
Rick Dombrowski is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona.
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.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst, Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
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.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst, Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
NMLS#: 512436
About Alex Delgadillo
Alex is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Arizona and New Mexico He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
About Trammel Austin
Trammel Austin is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Trammel provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Georgia State University and received the Financial Planning Specialist® designation from the College for Financial Planning. Trammel is originally from Austin, Texas and currently resides in Alpharetta, Georgia.
He earned his undergraduate degree from Georgia State University and received the Financial Planning Specialist® designation from the College for Financial Planning. Trammel is originally from Austin, Texas and currently resides in Alpharetta, Georgia.
Wealth Management
From Our Team
New Year 2025 Newsletter
Wealth Management
Global Investment Office
Portfolio Insights
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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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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Ready to start a conversation? Contact The Vista Group today.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Alternative 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.
10When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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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)
