Kirk Thode, CFP®
Financial Advisor, Senior Portfolio Management Director
Phone:
(262) 241-1979(262) 241-1979
The Water View Group at Morgan Stanley
Direct:
(262) 241-1979(262) 241-1979
Toll-Free:
(888) 791-8360(888) 791-8360
Our Mission Statement
Integrity - Accountability - Service - Knowledge : Backed by a global powerhouse, we work to help make our clients future possible.
Welcome
As your Financial Advisors, our mission is to help make your wealth work as hard as it can. To accomplish this goal, we must ask the right questions, find appropriate strategies and put all of our experience and resources at Morgan Stanley to work for you. You can count on us to understand the life you envision, and only then can we help create wealth management strategies aimed at meeting the objectives that matter most to you.
The Water View Group at Morgan Stanley, Financial Advisors Kirk Thode and Nick Gomez invite you to attend our monthly market update call. We'll discuss what's happening in the market and where we believe we go from here. Please feel free to extend this invitation to your friends and family. We know the markets can be stressful on everyone and we’re here to help.
Phone Number: 1 (877) 777-0154
Conference ID: 7230253
Date: Third Friday of every month
Time: 10:00 AM Central Time
There will be no discussion of, or distribution of written materials relating to, specific products or investments at this presentation.
CRC 4076389
The Water View Group at Morgan Stanley, Financial Advisors Kirk Thode and Nick Gomez invite you to attend our monthly market update call. We'll discuss what's happening in the market and where we believe we go from here. Please feel free to extend this invitation to your friends and family. We know the markets can be stressful on everyone and we’re here to help.
Phone Number: 1 (877) 777-0154
Conference ID: 7230253
Date: Third Friday of every month
Time: 10:00 AM Central Time
There will be no discussion of, or distribution of written materials relating to, specific products or investments at this presentation.
CRC 4076389
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your dedicated wealth management team, our role is to tailor a personalize financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map our essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts, helping ensure a comprehensive financial plan.
Step 4: Action Items/Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring and Tracking Performance
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Digital Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows clients to receive more customized and comprehensive advice than anywhere else. These easy-to-use tools provide a more in-depth view of a client’s financial life, resulting in a comprehensive approach with meaningful and ongoing professional advice.
Morgan Stanley Online (MSO)
Allows you to conveniently and securely manage your account online or on your mobile device.
To learn more, and to log in click here
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
To learn about the mobile capabilities and how to get the app, click here
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
To sign up for E-Authorization log into MSO
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 using encryption.
To learn more, watch this brief video
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
To learn more, click hereCUSTOM STRATEGIES TAILORED TO YOUR SITUATION
We are privileged to work with a broad range of Business Owners, Retirees and Pre-retirees, High Net Worth Individuals and Families, and Young Wealth Accumulators. We take pride in building long-term relationships with our clients, as well as maintaining an exceptional level of professionalism. We give our clients the confidence they need to help navigate a challenging financial world through personalized service, transparency, and experience.
Business Owners
We provide specialized guidance on the financial aspects of running a successful business on both sides of the balance sheet, including tax planning, employee benefits, succession planning, and more.
Retirees and Pre-Retirees
Whether you're planning for retirement, looking to turn your savings into income as you transition into retirement, or are seeking to make your nest egg last, we are here to consult you on all your financial needs.
High Net Worth Individuals and Families
We have experience working with high-net-worth individuals and families, providing comprehensive wealth management services -- including investment management, tax planning, estate planning and risk management -- tailored to help meet the unique goals and needs of you and your family.
Young Wealth Accumulators
We understand that building your wealth from a young age can pay dividends later in life. Working with you, we navigate and account for all of your short and long term objectives as you accumulate your wealth, family, and career.
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisor, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future decisions.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future decisions.
2024 Tax Tables
This helpful resource outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Tax Tables
Insurance
We take an extremely close look at your profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Retirement
Leading up to and through retirement, the Water View Group helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Managing Investments
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Location
11501 North Port Washington
Mequon, WI 53092
US
Direct:
(262) 241-1979(262) 241-1979
Toll-Free:
(888) 791-8360(888) 791-8360
411 E Wisconsin Ave
2200
Milwaukee, WI 53202
US
Direct:
(414) 226-3013(414) 226-3013
Meet The Water View Group
Nick Gomez
Financial Advisor
Phone:
(414) 226-3044(414) 226-3044
Jackie Fritz
Portfolio Associate, Financial Planning Specialist*
Phone:
(262) 241-1948(262) 241-1948
About Kirk Thode
Kirk joined Morgan Stanley in 2006 as a Financial Advisor. Starting as an advisor just prior to the 2008 financial crisis keeps him grounded when making investment decisions, knowing full well the power and speed at which the market can move. In 2009 he earned his Certified Financial Planner Practitioner designation; one of the highest in the planning community giving him a depth and breadth of knowledge in all financial aspects of an individual’s life. From investments to insurance, estate planning strategies to tax planning strategies, Kirk and his team focus on comprehensive financial planning strategies to help craft the best possible outcome in reaching client goals. After completing his CFP, he went back to school and earned a master's degree in Applied Economics from Marquette University, where he wrote his thesis on the European Debt Crisis that plagued Greece from 2011-12.
Kirk focuses his time working with individual business owners and their family wealth, with a focus on small service-based businesses such as Dental Offices. Another area of focus is on income planning for individual retiree's as they navigate through retirement.
In his off-time Kirk enjoys following and playing soccer, the love that brought him to Milwaukee (he was the starting goalkeeper for UW-Milwaukee during his time there).
Kirk focuses his time working with individual business owners and their family wealth, with a focus on small service-based businesses such as Dental Offices. Another area of focus is on income planning for individual retiree's as they navigate through retirement.
In his off-time Kirk enjoys following and playing soccer, the love that brought him to Milwaukee (he was the starting goalkeeper for UW-Milwaukee during his time there).
Securities Agent: NC, ME, TN, VA, NE, MN, MD, CO, TX, NM, PA, MT, MA, IN, IA, RI, NY, KY, IL, CA, WV, WI, CT, DE, MI, FL, AZ, OH, MO, WA, NV, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1316512
NMLS#: 1316512
About Nick Gomez
Nick is a Financial Advisor, Financial Planning Specialist has more than 10 years of experience in the investment and financial planning industry.
Prior to Morgan Stanley, Nick was a Director, Private Wealth Advisor in BMO’s Private Bank and spent six years in private wealth management at Robert W. Baird. Nick received a Bachelor of Arts in History from the University of Wisconsin-Milwaukee and Master of Business Administration with a finance concentration from Concordia University. He is an Army Veteran, serving in the Wisconsin Army National Guard from 2011-2021, with two combat deployments as a HIMARS crewmember to the Middle East, Operation Enduring Freedom, and Operation Spartan Shield.
Nick focuses his time working with business owners to help transition, preserve, and protect their wealth. Moreover, engaging with corporate executives to help you align your equity compensation strategy with your broader financial goals.
Outside of his work with Morgan Stanley, Nick is passionate about giving back to the community. He is a board member at Wisconsin Veterans Network, President of UWM’s Veteran Alumni Chapter, and member of the Safety Committee at Lumen Christi Catholic Church in Mequon.
He lives with his wife Favi and their children Isa, Nico, and Sophia in Bayside. In his free time, he enjoys, lifting, golfing, watching his kids play hockey, and family vacations.
Prior to Morgan Stanley, Nick was a Director, Private Wealth Advisor in BMO’s Private Bank and spent six years in private wealth management at Robert W. Baird. Nick received a Bachelor of Arts in History from the University of Wisconsin-Milwaukee and Master of Business Administration with a finance concentration from Concordia University. He is an Army Veteran, serving in the Wisconsin Army National Guard from 2011-2021, with two combat deployments as a HIMARS crewmember to the Middle East, Operation Enduring Freedom, and Operation Spartan Shield.
Nick focuses his time working with business owners to help transition, preserve, and protect their wealth. Moreover, engaging with corporate executives to help you align your equity compensation strategy with your broader financial goals.
Outside of his work with Morgan Stanley, Nick is passionate about giving back to the community. He is a board member at Wisconsin Veterans Network, President of UWM’s Veteran Alumni Chapter, and member of the Safety Committee at Lumen Christi Catholic Church in Mequon.
He lives with his wife Favi and their children Isa, Nico, and Sophia in Bayside. In his free time, he enjoys, lifting, golfing, watching his kids play hockey, and family vacations.
Securities Agent: ME, IN, NV, NM, TN, RI, TX, OH, FL, CT, CO, IA, AZ, WA, NJ, MT, PA, MN, MD, KY, DE, CA, WV, VA, NE, NC, IL, NY, WI, MI; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2490971
NMLS#: 2490971
About Jackie Fritz
Jackie has over 26 years of financial services experience, with 21 of them here at Morgan Stanley. She has held various positions within operations & advisor support. Her vast experience has given Jackie an expansive view on the needs and expectations of both the clients and advisors she works with.
Jackie sets high standards and expectations to meet each client’s needs by helping in a timely, friendly, and proactive manner. She has a true love for helping others and is focused on providing excellent customer service.
Jackie lives in Cedarburg with her loving husband, Jim and two children Evelyn & Hunter. She enjoys traveling with her family and has a goal to visit all 50 states. When not traveling she enjoys chauffeuring her kids around, gardening and home improvements.
*This role cannot solicit or provide investment advice.
Jackie sets high standards and expectations to meet each client’s needs by helping in a timely, friendly, and proactive manner. She has a true love for helping others and is focused on providing excellent customer service.
Jackie lives in Cedarburg with her loving husband, Jim and two children Evelyn & Hunter. She enjoys traveling with her family and has a goal to visit all 50 states. When not traveling she enjoys chauffeuring her kids around, gardening and home improvements.
*This role cannot solicit or provide investment advice.
Contact Kirk Thode
Contact Nick Gomez
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
Tyson Abert
Senior Private Banker
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
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
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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
Article Image
Ready to start a conversation? Contact The Water View 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan 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.
5When 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.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan 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.
5When 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.
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)
