Executive Director, Financial Advisor, Senior Investment Management Consultant, Insurance Planning Director, Workplace Advisor - Equity Compensation
Phone:
(713) 965-5037(713) 965-5037
The Waterwall Group at Morgan Stanley
Direct:
(713) 499-2098(713) 499-2098
Our Mission Statement
We take the time to truly understand each client’s financial situation. By genuinely caring about each client, we are able to construct a plan designed to help you reach your goals.
Tailored Advice Focused on You
"Will I be able to retire on time?"
"Will I outlive my money?"
“How do I leave a lasting legacy for my family”
These are some of the questions our clients have. Once they become our clients, we are able to help them answer these questions by providing a comprehensive financial plan tailored to their own goals and aspirations.
At The Waterwall Group at Morgan Stanley, we are a team of experienced Financial Advisors who are committed to providing you with comprehensive planning that not only includes your investments, but extends to every aspect of your financial life. Most of our clients come to us because they're seeking to retire with greater confidence, but many have other concerns - leaving a meaningful legacy with no excessive tax erosion or family turmoil, sending grandchildren to the colleges of their choice, financing real estate, and other major purchases. The Waterwall Group can help you answer these questions and create a personalized strategy designed to help you pursue your goals without jeopardizing your other priorities.
We are committed to educating our clients and helping guide them through all financial scenarios. At the Waterwall Group at Morgan Stanley, you won’t have just another team of advisors managing your money. Instead, you will have a team of dedicated professionals who truly care about you and make sure we take the time to understand your unique situation to help you reach your goals.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
"Will I outlive my money?"
“How do I leave a lasting legacy for my family”
These are some of the questions our clients have. Once they become our clients, we are able to help them answer these questions by providing a comprehensive financial plan tailored to their own goals and aspirations.
At The Waterwall Group at Morgan Stanley, we are a team of experienced Financial Advisors who are committed to providing you with comprehensive planning that not only includes your investments, but extends to every aspect of your financial life. Most of our clients come to us because they're seeking to retire with greater confidence, but many have other concerns - leaving a meaningful legacy with no excessive tax erosion or family turmoil, sending grandchildren to the colleges of their choice, financing real estate, and other major purchases. The Waterwall Group can help you answer these questions and create a personalized strategy designed to help you pursue your goals without jeopardizing your other priorities.
We are committed to educating our clients and helping guide them through all financial scenarios. At the Waterwall Group at Morgan Stanley, you won’t have just another team of advisors managing your money. Instead, you will have a team of dedicated professionals who truly care about you and make sure we take the time to understand your unique situation to help you reach your goals.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We believe that charting a clear course to financial success begins with understanding your values, priorities, and aspirations. Together, we will define what is most important to you and your family and then develop the strategies to help get you there with a customized financial plan focused on you. Through each step, we will provide objective advice and investment insights to construct a plan that is personalized to your needs and goals. Below is a step by step process we use to make sure each of our clients gets the level of care they deserve.
Step 1: Get to Know Each Other
• Listen carefully to understand what is important to you, your family, and your legacy
• Identify circumstances unique to your personal situation
• Clearly establish your financial and personal goals
• Identify circumstances unique to your personal situation
• Clearly establish your financial and personal goals
Step 2: Assess Your Finances
• Gather important data, documents, and financial statements
• Review the information collected to insure the data is accurate
• Analyze your current investment and cash management strategies
• Review the information collected to insure the data is accurate
• Analyze your current investment and cash management strategies
Step 3: Develop Your Plan
• Develop your personalized plan using proprietary tools and insights from Morgan Stanley
• Integrate any real estate and private investments into your overall strategy
• Incorporate insurance and estate planning strategies
• Present our recommendations along with key action steps
• Coordinate strategies with your CPA and estate attorney if applicable
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
• Integrate any real estate and private investments into your overall strategy
• Incorporate insurance and estate planning strategies
• Present our recommendations along with key action steps
• Coordinate strategies with your CPA and estate attorney if applicable
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Step 4: Implement
• Prioritize activities and establish timelines
• Set up tools to provide convenient access to your accounts
• Prepare and complete necessary paperwork
• Provide ongoing updates to help ensure your plan is implemented as expected
• Set up tools to provide convenient access to your accounts
• Prepare and complete necessary paperwork
• Provide ongoing updates to help ensure your plan is implemented as expected
Step 5: Deliver Ongoing Service
• Schedule regular calls and meetings to monitor progress towards your goals
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
How We Can Help You
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, we are here to help you with our expanded capabilities and resources.
Family Governance & Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value
of their human capital by driving family wealth education, making it more likely that all members of the family will
have the foundation they need to lead meaningful, fulfilled and engaged lives.
Wealth Education Development Planof their human capital by driving family wealth education, making it more likely that all members of the family will
have the foundation they need to lead meaningful, fulfilled and engaged lives.
Wealth and Estate Planning Strategies
The Wealth and Estate Planning Strategists look at all aspects of an individual’s estate to understand the potential income tax and estate planning attributes of the vehicles.
Tax, Trust and Estate Planning Overview
Philanthropy Management
With the right advice, your good intentions can become your greatest legacy. Your favorite causes can become family causes. Your wealth can become a tool to change
lives. Your passion for others can become a strategic plan for giving and one that inspires others to follow suit. If your passion leads you to join a nonprofit board, there are ways to help ensure that the nonprofit is governed well and raises funds effectively.
Click Here For More Informationlives. Your passion for others can become a strategic plan for giving and one that inspires others to follow suit. If your passion leads you to join a nonprofit board, there are ways to help ensure that the nonprofit is governed well and raises funds effectively.
Over 50 Years of Experience Helping Clients Like You
The principals of The Waterwall Group at Morgan Stanley bring more than 50 years of combined experience to the service of our clients. Together we have the knowledge and experience, coupled with Morgan Stanley’s vast resources; to help make sure our clients have a sound financial plan in place to meet their goals.
Christopher O. Smith, CFP®, CLU®, ChFC®
Chris Smith has been helping clients pursue their most challenging financial objectives for more than 30 years. A CERTIFIED FINANCIAL PLANNER™, Chris embraced financial planning long before it became the popular discipline today. In addition, he is a Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®), as well as a Morgan Stanley-credentialed Senior Investment Management Consultant.
Patrick Evans, CFP®
Patrick brings almost 20 years of financial advisory experience to the Waterwall Group. Prior to joining the team, he was a Senior Financial Advisor with Merrill Lynch. He has also served as a Vice President with Neuberger Berman, Cohen & Steers, BlackRock and an Associate with Goldman Sachs. Patrick completed the Certified Financial Planner Certification Education Program through Rice University and went on to earn the CERTIFIED FINANCIAL PLANNER™ designation in 2019.
John Husband
John takes a client-first approach to financial advising, ensuring that each plan is unique to one’s individual needs. He believes in creating a seamless, one-stop-shop service model that allows clients to feel relieved and confident in their financial future. His expertise spans multiple areas, including investment management, risk mitigation, and tax-efficient strategies, all designed to provide a holistic and personalized financial roadmap. His mission is to guide clients toward financial stability and success, ensuring they feel secure every step of the way.
Location
2800 Post Oak Blvd
18th Fl
Houston, TX 77056
US
Direct:
(713) 499-2098(713) 499-2098
Meet The Waterwall Group
Phone:
(713) 993-2725(713) 993-2725
Phone:
(713) 499-2004(713) 499-2004
Gail Evans
Senior Registered Associate
Phone:
(713) 965-8029(713) 965-8029
About Christopher O Smith
Chris brings more than 35 years of financial advisory experience to the service of our clients. He plays a major role in The Waterwall Group's financial planning efforts and with good reason. Chris embraced financial planning long before it became the popular discipline it is today. He earned his CERTIFIED FINANCIAL PLANNER™ designation in 1985 and spent the early years of his career helping high net worth business owners and corporate executives plan their estates, maximize their equity compensation and pursue their most challenging financial objectives.
A native of Mobile, Alabama, Chris graduated from The University of Alabama with a BA in Finance and Investments. He continued his financial education throughout his career and earned a number of prestigious industry credentials, including the Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®). Chris is also an Insurance Planning Director at the firm.
Outside the office, Chris served as President of the National Council of Planned Giving, an organization that helps not-for-profit organizations establish and administer their endowments. He resides in Houston with his wife, Christine.
A native of Mobile, Alabama, Chris graduated from The University of Alabama with a BA in Finance and Investments. He continued his financial education throughout his career and earned a number of prestigious industry credentials, including the Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®). Chris is also an Insurance Planning Director at the firm.
Outside the office, Chris served as President of the National Council of Planned Giving, an organization that helps not-for-profit organizations establish and administer their endowments. He resides in Houston with his wife, Christine.
Securities Agent: VA, WA, NY, PA, MD, MT, VT, UT, TX, SC, OR, OK, OH, NM, NJ, NC, MS, MN, ME, MA, LA, KY, KS, IL, FL, DE, DC, CT, CO, CA, AZ, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312621
NMLS#: 1312621
About Patrick Evans
Patrick focuses on simplifying the complex financial lives of his clients and their families by implementing a disciplined and structured plan focused on multigenerational investing. In developing a comprehensive financial plan, he seeks to integrate all aspects of his clients’ lives, including their extended family, because he believes that both knowing their family circumstances and defining their individual goals will play an essential role in preparing and providing for life events.
Patrick brings almost 20 years of financial advisory experience to the Waterwall Group. Prior to joining the team, he was a Senior Financial Advisor with Merrill Lynch. He has also served as a Vice President with Neuberger Berman, Cohen & Steers, BlackRock and an Associate with Goldman Sachs. Patrick completed the Certified Financial Planner Certification Education Program through Rice University and went on to earn the CERTIFIED FINANCIAL PLANNER™ designation in 2019.
Originally from Illinois, Patrick graduated from Millikin University with a B.S. in chemistry. Since moving to Texas in 2006, he and his wife, Kristin, have enjoyed giving back to their community through their involvement with the Houston Livestock Show and Rodeo. As a Liverpool FC fan, Patrick enjoys spending the weekends watching Liverpool and playing Golf at Sugar Creek Country Club.
*Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
Patrick brings almost 20 years of financial advisory experience to the Waterwall Group. Prior to joining the team, he was a Senior Financial Advisor with Merrill Lynch. He has also served as a Vice President with Neuberger Berman, Cohen & Steers, BlackRock and an Associate with Goldman Sachs. Patrick completed the Certified Financial Planner Certification Education Program through Rice University and went on to earn the CERTIFIED FINANCIAL PLANNER™ designation in 2019.
Originally from Illinois, Patrick graduated from Millikin University with a B.S. in chemistry. Since moving to Texas in 2006, he and his wife, Kristin, have enjoyed giving back to their community through their involvement with the Houston Livestock Show and Rodeo. As a Liverpool FC fan, Patrick enjoys spending the weekends watching Liverpool and playing Golf at Sugar Creek Country Club.
*Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
Securities Agent: OH, AZ, MA, CO, CA, IN, VA, LA, AR, DE, VT, UT, TX, PA, OR, NY, NC, FL, MT, IL, DC, CT, NM, KS, ME, MD, WA, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1692136
NMLS#: 1692136
About John Husband
John joined Morgan Stanley in the spring of 2016 where he began building his career as a financial planner. Over the next two years, he completed Morgan Stanley’s financial planning program where he worked one on one with clients in a holistic approach. As a financial advisor, John continues to utilize financial planning as the foundation for his clients, ensuring all aspects from investment management to insurance and estate planning are included.
A native Houstonian, John grew up within the Klein community. He attended Texas State University in San Marcos and received a Bachelor’s of Business Administration with an emphasis in Finance. While attending Texas State, John joined Sigma Nu fraternity and became actively involved within the chapter, becoming Treasurer and later President.
After graduating from Texas State in 2012, John moved back to the Houston area where he pursued a career within the oil and gas industry focusing on upstream drilling and production. He currently holds active Series 7, 66 and General Life and Health Insurance licenses. In his free time, he enjoys deep sea fishing, traveling, reading, cooking, mountain biking, camping and hiking, and spending time with family and friends.
A native Houstonian, John grew up within the Klein community. He attended Texas State University in San Marcos and received a Bachelor’s of Business Administration with an emphasis in Finance. While attending Texas State, John joined Sigma Nu fraternity and became actively involved within the chapter, becoming Treasurer and later President.
After graduating from Texas State in 2012, John moved back to the Houston area where he pursued a career within the oil and gas industry focusing on upstream drilling and production. He currently holds active Series 7, 66 and General Life and Health Insurance licenses. In his free time, he enjoys deep sea fishing, traveling, reading, cooking, mountain biking, camping and hiking, and spending time with family and friends.
Securities Agent: IL, TN, NY, NM, MD, FL, SC, MT, ME, CT, AR, TX, DE, CO, AZ, VT, UT, PA, OR, NC, DC, CA, MA, KS, WA, OK, LA, KY, VA, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1501583
NMLS#: 1501583
About Gail Evans
Gail started her career in banking in 1986 and after 13 years and several bank buy outs later, she decided to make a change to the Investment side of the financial services industry. She spent 18 years as a Client Sales Assistant at Oppenheimer & Co. Inc. before joining Morgan Stanley in 2017 as a Senior Client Service Associate. Gail brings her 35+ years of customer service knowledge and experience to the Waterwall Group with an emphasis in assisting clients meet their financial planning goals. Gail’s dad was a career Coast Guard Master Chief, and they were transferred to Juneau AK where she spent her formative years. She attended the University of Alaska Southeast. After leaving Juneau she moved from the West Coast to Florida and eventually to Houston in 1994. Gail enjoys spending time with her daughter and three grandkids.
Gail holds active Series 7, 63 and 65 Securities Licenses.
Gail holds active Series 7, 63 and 65 Securities Licenses.
Contact Christopher O Smith
Contact Patrick Evans
Contact John Husband
Wealth Management
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Portfolio Insights
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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
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
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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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
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Waterwall Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
