Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(954) 713-8421(954) 713-8421
The Romance Premer Group at Morgan Stanley
Our Mission Statement
Customized investment and financial strategies for clients like you
About Us
As your Financial Advisors, we can help you define and meet your goals by using a financial planning approach. Every client is different, so we perform an extensive evaluation of your goals and resources to provide a customized plan. Whether you are trying to grow your wealth, create retirement income, preserve your assets or need lending solutions, our experienced team along with the resources of Morgan Stanley can keep you on the path to success.
Services Include
- Financial PlanningFootnote1
- Structured ProductsFootnote2
- Fixed IncomeFootnote3
- Lending Products
- Alternative InvestmentsFootnote4
- Cash ManagementFootnote5
- 401(k) Rollovers
- Wealth ManagementFootnote6
- Retirement PlanningFootnote7
- Asset Management
- Professional Portfolio ManagementFootnote8
- Endowments and FoundationsFootnote9
- Estate Planning StrategiesFootnote10
- Sustainable InvestingFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
By Your Side for All of Life's Milestones
Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services.
We work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and protect their family
- Minimize investment related taxes through advanced strategies
- Set up a long-term wealth plan
- Take the emotion out of money moves, so you can make smart decisions
The solutions we recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
We are here to help you make informed decisions on any financial issue you face.
We work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and protect their family
- Minimize investment related taxes through advanced strategies
- Set up a long-term wealth plan
- Take the emotion out of money moves, so you can make smart decisions
The solutions we recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
We are here to help you make informed decisions on any financial issue you face.
Our satisfied clients include:
- Business Owners (including family businesses
- Corporate executives
- High net worth young investors
- Mid-career professionals and their families
- Nonprofit organizations
- Seniors near or in retirement
Modern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS ReservedComprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, 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 discussions.
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 discussions.
2024 Tax Tables
This helpful resource outlines the 2024 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.
Access the 2024 Tax Tables
Insurance
We take a close look at your financial 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.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Retirement
Leading up to and through retirement, The Waterways 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.
WHY A TRUST MAY BE RIGHT FOR YOU:
A trust fund is set up in order to control and manage assets of senior clients. These legal and financial agreements involve three key parties: the Grantor (the client), the trustee, and one or more beneficiaries.
Find the Trust that is Best Suited to You:
- TRUST TRANSFERS: While certain elements of a trust may be set in stone, the person or institution named to act as trustee often is not. A trustee holds fiduciary responsibility to manage and administer trust under the terms of the trust document in a manner most advantageous to the beneficiaries of the trust.
- LIVING TRUST: A living trust is created during the lifetime of the grantor.
- TESTAMENTARY TRUST: A trust created under a will.
- REVOCABLE TRUST: With a revocable trust, as long as the grantor is alive, the grantor can amend and revoke the trust. With a revocable trust all income is generally paid to the grantor as long as the grantor is alive. A revocable trust is used as a will substitute. A revocable trust allows the avoidance of probate for all assets contributed to the revocable trust.
- IRREVOCABLE TRUST: An irrevocable trust is a trust that cannot be easily amended or revoked. Assets contributed to an irrevocable trust are completed gifts and no longer belong to the grantor. This means that all assets contributed to an irrevocable trust are removed from the grantor’s estate and are not subject to probate.
- SPECIAL NEEDS TRUST: A Special Needs Trust (SNT) is an irrevocable trust created to ensure that a beneficiary who has a disability can enjoy the use of property held in trust for his or her benefit.
Location
350 East Las Olas Blvd
Ste 1500
Ft Lauderdale, FL 33301
US
Direct:
(305) 937-7181(305) 937-7181
Meet The Romance Premer Group
Phone:
(954) 713-8496(954) 713-8496
Phone:
(954) 713-8428(954) 713-8428
Constance Kerr
Senior Registered Associate
Phone:
(305) 937-6866(305) 937-6866
Tilson Rodriguez
Senior Registered Client Service Associate
Phone:
(954) 267-5788(954) 267-5788
About Michael Romance
Michael Romance is a Financial Advisor, and Portfolio Manager for The Romance Premer Group at Morgan Stanley. He has a bachelor’s degree in Accounting from East Carolina University. He also received the Certified Financial Planner (CFP) designation after completing the Financial Planning program through Florida State University.
Michael started his career as a Financial Advisor back in 1995 with Merrill Lynch, and then later joined Morgan Stanley in 2009. Over the years, he has built a reputation for providing comprehensive financial planning, and investment advice to his clients. He has a passion for helping his clients achieve their financial goals and takes pride in his ability to provide tailored advice.
Michael is a Master’s Club Member, which is a recognition for Morgan Stanley’s top advisors. He is listed as one of the “Best in State” Wealth Management Advisors by Forbes Magazine for 2022.
Michael was born in Buffalo, NY and grew up in South Florida. He is married to Erika Romance, where they live in Weston, Florida. They have a combined five children ranging in age from 3 to 21. He is actively involved in his community and has previously coached youth sports, including a nationally ranked travel baseball team. In his free time, Michael enjoys traveling, snowboarding, and supporting his local sports teams, including the Miami Dolphins, Miami Heat, Florida Panthers, and Miami Marlins.
2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Michael started his career as a Financial Advisor back in 1995 with Merrill Lynch, and then later joined Morgan Stanley in 2009. Over the years, he has built a reputation for providing comprehensive financial planning, and investment advice to his clients. He has a passion for helping his clients achieve their financial goals and takes pride in his ability to provide tailored advice.
Michael is a Master’s Club Member, which is a recognition for Morgan Stanley’s top advisors. He is listed as one of the “Best in State” Wealth Management Advisors by Forbes Magazine for 2022.
Michael was born in Buffalo, NY and grew up in South Florida. He is married to Erika Romance, where they live in Weston, Florida. They have a combined five children ranging in age from 3 to 21. He is actively involved in his community and has previously coached youth sports, including a nationally ranked travel baseball team. In his free time, Michael enjoys traveling, snowboarding, and supporting his local sports teams, including the Miami Dolphins, Miami Heat, Florida Panthers, and Miami Marlins.
2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Securities Agent: DE, WI, WA, VT, VA, UT, TX, TN, SD, SC, RI, PA, OH, NY, NV, NJ, NC, MI, MD, MA, IN, IL, HI, GA, FL, DC, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1437892
NMLS#: 1437892
About Howard Premer
Howard Premer is a financial advisor and Portfolio Manager at Morgan Stanley, with over a decade of experience in the financial industry. He received his Bachelor of Arts degree from Florida Atlantic University in 1976 and has been a resident of the North Miami/Miami-Dade County area throughout his life.
Before joining Morgan Stanley in 2011, Howard had a successful career in radio, starting as a newsman and eventually becoming the owner of Radio Suave and WKAT. He was also a co-founder and owner of American Institute for Public Safety, a national entity providing driver improvement education.
Howard has been married to Ilene for 39 years, and together they have two children, Blake and Courtney. He is dedicated to his community and has held several leadership positions, including President of the Sans Souci Homeowner's Association, City Councilman, Vice-Mayor, and Mayor of North Miami, as well as a member and 1st Vice President of the Board of Trustees at Miami Country Day School.
In his free time, Mr. Premer enjoys traveling, spending time with his family, and trying new dining experiences. He is also a skilled event moderator and speaker, and has a passion for music, playing both the guitar and piano.
Throughout his life and career, Mr. Premer has been committed to giving back to his community, and has made numerous philanthropic contributions to Miami Country Day School, including the Premer Family Playground.
Before joining Morgan Stanley in 2011, Howard had a successful career in radio, starting as a newsman and eventually becoming the owner of Radio Suave and WKAT. He was also a co-founder and owner of American Institute for Public Safety, a national entity providing driver improvement education.
Howard has been married to Ilene for 39 years, and together they have two children, Blake and Courtney. He is dedicated to his community and has held several leadership positions, including President of the Sans Souci Homeowner's Association, City Councilman, Vice-Mayor, and Mayor of North Miami, as well as a member and 1st Vice President of the Board of Trustees at Miami Country Day School.
In his free time, Mr. Premer enjoys traveling, spending time with his family, and trying new dining experiences. He is also a skilled event moderator and speaker, and has a passion for music, playing both the guitar and piano.
Throughout his life and career, Mr. Premer has been committed to giving back to his community, and has made numerous philanthropic contributions to Miami Country Day School, including the Premer Family Playground.
Securities Agent: MI, TN, TX, WI, PA, OH, SD, CT, VA, WA, AZ, DC, MD, CA, VT, FL, UT, MA, SC, IN, NC, NY, NV, NJ, HI, IL, GA, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1435735
NMLS#: 1435735
About Erika Romance
Erika has over 11 years of experience in the Financial Industry. She recently joined the Waterways group as a Financial Advisor. Erika is a graduate of Florida International University, receiving a Bachelors of Business Administration with a minor in Finance. Erika is married and has two children, Jason and Gianna.
Securities Agent: UT, VT, WA, WI, HI, VA, GA, FL, DC, CT, CO, CA, AZ, TN, IL, IN, MA, MD, MI, NC, NJ, NV, NY, OH, PA, SC, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2148374
NMLS#: 2148374
About Constance Kerr
Connie has served in various positions in the financial services industry over the past 35 years. She is the first point of client contact as the Senior Registered Associate for the Waterways Group.
Balance is central to this longtime yoga participant. Connie contributes to the community with the serious effort of raising awareness and funds for children stricken with cancer. Connie spends her free time with her husband Russell and their two grown children.
Balance is central to this longtime yoga participant. Connie contributes to the community with the serious effort of raising awareness and funds for children stricken with cancer. Connie spends her free time with her husband Russell and their two grown children.
About Tilson Rodriguez
Tilson began his career with Morgan Stanley in January of 2016, bringing with him 10 additional years of experience in financial services. He works closely with the team to enhance new and existing client relationships through active communication, providing assistance with new account opening/maintenance, money movement transactions, and enrolling/training clients in operating Morgan Stanley's proprietary Modern Wealth tools. His demonstrated knowledge, problem-solving capabilities, strong communication skills, and friendly demeanor allow Tilson to be a key resource for clients. Tilson earned his Bachelor’s Degree in Communications from Florida International University and has his Series 7 and Series 66 licenses. Outside of work, he's a fan of film, television and music as well as an avid traveler.
Contact Michael Romance
Contact Howard Premer
Contact Erika Romance
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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Ready to start a conversation? Contact The Romance Premer 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.
2Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7When 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
2Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7When 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
