Dale Waters Jr
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(410) 229-8283(410) 229-8283
The Waters Group at Morgan Stanley
Direct:
(410) 229-8283(410) 229-8283
Our Mission Statement
We are committed to providing exceptional integrity and personalized service as we work with you to help implement a tailored financial strategy to help you achieve success.
Our Story and Services
We help people manage, protect, and grow their wealth. Our clients include families, individuals, business owners, valued employees, and professionals across a variety of industries. Whatever your goals, we will help you design and implement a customized plan with strategies tailored to help meet your specific needs. Whether you’re accumulating wealth, investing for income, solidifying your retirement plan, or striving to leave a legacy that lasts for generations, we’ll be with you every step of the way.
As a father and son team, we are equipped to serve multigenerational families and are proud of our history of building longstanding relationships with our clients across the generations. It has been, and continues to be, an honor to work with all members of a family towards helping them achieve their financial goals.
To start the conversation, contact us directly through the “Contact Us” button at the top of the page. We’d love to hear from you!
As a father and son team, we are equipped to serve multigenerational families and are proud of our history of building longstanding relationships with our clients across the generations. It has been, and continues to be, an honor to work with all members of a family towards helping them achieve their financial goals.
To start the conversation, contact us directly through the “Contact Us” button at the top of the page. We’d love to hear from you!
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
Every relationship begins with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.
Discovery Process
We take the time to fully understand you and your family. Whether you're planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
CUSTOMIZED STRATEGIES
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to help meet your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to help achieve your particular priorities and goals.
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
Retirement Planning
The decisions you make about your workplace retirement plan can benefit you for years to come. I'll help you understand and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your goals, resources, and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots and helps ensure legacy goals are met.
Professional Portfolio Management
Our offering of investment products are extensively vetted by Morgan Stanley. As your Financial Advisors, we will help you construct and design a portfolio to help achieve your goals.
Estate Planning Strategies
Working with your professional advisors, we can advise and assist with to help ensure your savings is passed on to your desired heirs and charities.
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. 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.
AWARDS & RECOGNITION
Forbes Best-In-State Wealth Advisors 2024
Forbes America's Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Forbes Best-In-State Wealth Advisors 2023
Forbes America's Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC for the period 6/30/21 - 6/30/22.
Forbes Best-In-State Wealth Advisors 2022
Forbes America's Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2022) Data compiled by SHOOK Research LLC for the period 6/30/20 - 6/30/21.
Forbes Best-In-State Wealth Advisors 2021
Forbes America's Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2021) Data compiled by SHOOK Research LLC for the period 6/30/19 - 6/30/20.
RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Our Asset Aggregation Tool
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Location
303 International Circle
Suite 500
Hunt Valley, MD 21030
US
Direct:
(410) 229-8283(410) 229-8283
Meet The Waters Group
Dale Waters III, CFP®
Financial Advisor
Phone:
(410) 229-8285(410) 229-8285
Sherie Harrison
Senior Registered Client Associate
Phone:
(410) 229-8297(410) 229-8297
Jennifer Astasauskas
Senior Registered Client Associate
Phone:
(410) 229-8289(410) 229-8289
About Me
Dale A. Waters, Jr. attended Towson University on a full athletic scholarship to play football and graduated with honors in 1991, earning a B.S. in Business Administration with a concentration in Finance.
Dale has been a Financial Advisor since 1991, and throughout that time he has helped hundreds of families realize their goals through a comprehensive approach to understanding each client’s unique needs and developing a plan tailored to meet those needs. He has guided clients through the Tech Bubble, 9/11, and the Great Recession and helped them to take full advantage of the subsequent recoveries. Dale has also been recognized for his professional and ethical caliber, making the Forbes Best-In-State Wealth Advisors¹ list for four straight years (2021-2024). His experience and personal commitment give clients the confidence they need as they plan for retirement, education, and the rest of their lives.
In May of 2018, Dale, Jr. partnered with his oldest son, Dale III, and the two of them draw upon their strong relationship as they work together to provide their clients with a high level of service and results.
Dale resides in Hunt Valley, MD and has been married to Sue Waters for over 31 years. Dale and Sue have four children: Dale III, Cassie, Wynn, and Landry and are legal guardians for their nephew, Jack. Dale enjoys spending time with his family, cycling, playing golf and studying politics.
¹Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Dale has been a Financial Advisor since 1991, and throughout that time he has helped hundreds of families realize their goals through a comprehensive approach to understanding each client’s unique needs and developing a plan tailored to meet those needs. He has guided clients through the Tech Bubble, 9/11, and the Great Recession and helped them to take full advantage of the subsequent recoveries. Dale has also been recognized for his professional and ethical caliber, making the Forbes Best-In-State Wealth Advisors¹ list for four straight years (2021-2024). His experience and personal commitment give clients the confidence they need as they plan for retirement, education, and the rest of their lives.
In May of 2018, Dale, Jr. partnered with his oldest son, Dale III, and the two of them draw upon their strong relationship as they work together to provide their clients with a high level of service and results.
Dale resides in Hunt Valley, MD and has been married to Sue Waters for over 31 years. Dale and Sue have four children: Dale III, Cassie, Wynn, and Landry and are legal guardians for their nephew, Jack. Dale enjoys spending time with his family, cycling, playing golf and studying politics.
¹Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Securities Agent: FL, WI, DC, VA, NM, SC, MN, AK, VT, TX, NC, PA, NH, MD, MA, CA, AR, WA, NY, DE, CO, OH, ME, NJ, GA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290065
NMLS#: 1290065
About Me
Dale first started investing at the age of six, when he decided to put his allowance in the market so he would have enough to buy a Transformer™. When all was said and done, Dale ended up with his toy, some extra money, and a smile stretched from ear to ear.
Today, Dale helps other people find the same joy he did as a child on a larger scale by managing their investments and providing advice tailored to their specific needs. Whether the goal is happy retirement, children’s education, providing for family, or just wanting to feel secure, Dale works with his clients to implement a simple, proactive, and effective plan to achieve their goals. This structure and guidance provides confidence and lets people focus on the things that are most important to them without having to worry about the financial side of things.
In April of 2021, Dale earned the CERTIFIED FINANCIAL PLANNER™ certification, the standard of excellence for financial planners. Having met the CFP Board’s rigorous education, examination, experience, and ethical requirements, Dale continues to strive for excellence in service and to provide his clients with confidence and security. As a CFP® Professional and fiduciary, Dale is committed to always putting the client’s best interest first.
Dale graduated with distinction from the University of Virginia’s McIntire School of Commerce with a double major in Finance and Economics. A Baltimore native, Dale is a proud alumnus of Calvert School, where he served as the youngest member of the Alumni Board, and of Gilman School, where he was a varsity football captain. He currently lives in Hunt Valley, MD, and enjoys martial arts, weightlifting, tabletop games, and spending time with his church and family.
Today, Dale helps other people find the same joy he did as a child on a larger scale by managing their investments and providing advice tailored to their specific needs. Whether the goal is happy retirement, children’s education, providing for family, or just wanting to feel secure, Dale works with his clients to implement a simple, proactive, and effective plan to achieve their goals. This structure and guidance provides confidence and lets people focus on the things that are most important to them without having to worry about the financial side of things.
In April of 2021, Dale earned the CERTIFIED FINANCIAL PLANNER™ certification, the standard of excellence for financial planners. Having met the CFP Board’s rigorous education, examination, experience, and ethical requirements, Dale continues to strive for excellence in service and to provide his clients with confidence and security. As a CFP® Professional and fiduciary, Dale is committed to always putting the client’s best interest first.
Dale graduated with distinction from the University of Virginia’s McIntire School of Commerce with a double major in Finance and Economics. A Baltimore native, Dale is a proud alumnus of Calvert School, where he served as the youngest member of the Alumni Board, and of Gilman School, where he was a varsity football captain. He currently lives in Hunt Valley, MD, and enjoys martial arts, weightlifting, tabletop games, and spending time with his church and family.
Securities Agent: ME, NJ, TX, DE, AK, MA, AR, WI, OH, NH, DC, VT, NY, FL, GA, CO, PA, NC, WA, MN, VA, NM, MD, CA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1763027
NMLS#: 1763027
About Sherie Harrison
Sherie has over twenty years of experience in the investment industry and holds the FINRA Series 7 and Series 66 registrations. She resides in Phoenix, MD with her husband, Charlie, and has two adult children, Charlie Jr. and Shannon. Sherie likes spending time with family, traveling, and outdoor activities.
About Jennifer Astasauskas
Jennifer Astasauskas-Glatz (Jen A for short) has over 22 years’ experience in the financial services industry. Jennifer worked as a Financial Center Manager prior to making the switch to wealth management in 2022. She currently resides in Baltimore, MD. Jennifer enjoys spending time with family and friends, hiking, and reading.
Contact Dale Waters Jr
Contact Dale Waters III
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact The Waters Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to 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. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 and other legal matters.
6Morgan 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 and other legal matters.
6Morgan 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
