Phone:
(217) 875-7603(217) 875-7603
The Weaving Road Group at Morgan Stanley
Direct:
(217) 875-7603(217) 875-7603
Toll-Free:
(800) 446-4058(800) 446-4058
Our Mission Statement
Always moving you forward, while helping protect the legacy you leave behind.
Our Story
With a complementary set of skills, knowledge and experience, we are a family advisory team dedicated to serving the needs of our clients.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Charting a Course to Financial Security
Our goals-based process focuses on you and your family – where you are today, where you want to go and how to get you there. Working together, we help you navigate the challenges on life’s weaving road, making more informed and confident decisions each step of the way.
Step 1: Introductory Call
We begin with a conversation to understand your concerns and determine how we can add value. Since not every advisor is a good match for every client, we introduce you to our approach. If we all agree to move forward, we schedule our next meeting and request important financial information.
Step 2: Discovery
We continue the dialogue we started, learning about the values that shape your decisions and identifying any unique circumstances. We review the documents you prepared and begin to define your priorities and timelines.
Step 3: Analysis
Here, we analyze what we’ve learned, utilizing state-of-the-art financial planning tools. We prepare a comprehensive feasibility analysis of where you are today vis-à-vis where you want to be.
Step 4: Feasibility Analysis Meeting
In this step, we present our findings and discuss various strategies to address any gaps we identified.
Step 5: Plan Preparation & Presentation
Next, we develop your personalized financial plan, incorporating the strategies we discussed. We present our recommendations along with a detailed plan of action that will serve as our roadmap for implementing your plan.
Step 6: Implementation
Once approved, we begin to execute your plan. We establish any necessary new accounts, initiate the account transfer process and provide online account instructions so you have secure access to your accounts and information.
Step 7: Monitoring
We apply a strict due diligence process to evaluate investment performance and set up ongoing calls and meetings to discuss progress towards your goals.
Step 8: Ongoing Service & Care
We are committed to a first-class experience. We focus on developing relationships that provide special value to you and your family through a fully engaged standard of care. We are here every step of the journey to help you make smart wealth decisions now and down the road.
How To Face Liquidity Events with Confidence
Banks and financial institutions locally and across the country often experience a change in control or are purchased by another institution.
At The Weaving Road Group, we have extensive experience working with executives undergoing several major types of liquidity events. Pen’s family was a principal shareholder of a community bank founded more than a half century ago that was later sold to a publicly-traded corporation. He knows first-hand the difficult decision shareholders must make when selling a business that was founded and run by parents and grandparents. As an Executive Financial Services Director, Pete has garnered significant experience working with bank executives and concentrated shareholders to pair their assets with Morgan Stanley's resources.
This type of activity can impact you in two major ways:
At The Weaving Road Group, we have extensive experience working with executives undergoing several major types of liquidity events. Pen’s family was a principal shareholder of a community bank founded more than a half century ago that was later sold to a publicly-traded corporation. He knows first-hand the difficult decision shareholders must make when selling a business that was founded and run by parents and grandparents. As an Executive Financial Services Director, Pete has garnered significant experience working with bank executives and concentrated shareholders to pair their assets with Morgan Stanley's resources.
This type of activity can impact you in two major ways:
Principals and Directors
You may face a major liquidity event that involves a stock sale, a cash sale, or a combination of both.
Bank Executives
You may face a major liquidity event that involves moving your assets from your current employer to another financial institution. This can happen for three primary reasons:
- You transition to a new position at another financial institution
- You retire from the banking industry
- The bank you are working at has merged with another bank
- You transition to a new position at another financial institution
- You retire from the banking industry
- The bank you are working at has merged with another bank
Our Service Model
We believe successful wealth management is a process, not an event. We have built a personalized service experience that is based on three critical components: continuous service, mutual understanding, and ongoing relationship building. This model enables us to provide service that is both value-added and differentiating. We attract new clients – and maintain existing ones – because of our premium service experience.
Monthly Phone Calls
As part of our commitment to superior service, we schedule monthly phone calls with you. This conversation is our dedicated time to discuss updates in your life, questions you may have about the market or an opportunity to provide timely information about your portfolio.
While you will clearly drive the conversation with your agenda items, here is a list of topics we may discuss throughout the year:
• Helpful tax-saving strategies
• Retirement plan contributions and distributions
• Required minimum distributions
• Beneficiary review and estate plan updates
• Strategies designed to reduce risks and fees
• Investment opportunities in the marketplace
Quarterly Reviews
In addition to our monthly phone calls, we schedule quarterly performance reviews to discuss your investments in detail. One of these meetings will be face to face. The purpose of these meetings is to provide a “no surprise strategy” in managing your assets. Our ultimate goal is to ensure your plan remains on track for achieving your short- and long-term goals.
Your Personal CFO
As stewards of your personal wealth, we believe you should have immediate access to us, as well as the vast services offered through Morgan Stanley. In addition to the above scheduled activities, we are always available to answer your questions, either in person or by phone. Our number one priority is to be your first call for any financial matter – no matter how simple or complex the situation.
Monthly Phone Calls
As part of our commitment to superior service, we schedule monthly phone calls with you. This conversation is our dedicated time to discuss updates in your life, questions you may have about the market or an opportunity to provide timely information about your portfolio.
While you will clearly drive the conversation with your agenda items, here is a list of topics we may discuss throughout the year:
• Helpful tax-saving strategies
• Retirement plan contributions and distributions
• Required minimum distributions
• Beneficiary review and estate plan updates
• Strategies designed to reduce risks and fees
• Investment opportunities in the marketplace
Quarterly Reviews
In addition to our monthly phone calls, we schedule quarterly performance reviews to discuss your investments in detail. One of these meetings will be face to face. The purpose of these meetings is to provide a “no surprise strategy” in managing your assets. Our ultimate goal is to ensure your plan remains on track for achieving your short- and long-term goals.
Your Personal CFO
As stewards of your personal wealth, we believe you should have immediate access to us, as well as the vast services offered through Morgan Stanley. In addition to the above scheduled activities, we are always available to answer your questions, either in person or by phone. Our number one priority is to be your first call for any financial matter – no matter how simple or complex the situation.
Alternative Investment Strategies
Exchange Funds
An exchange fund is a special-purpose vehicle that offers holders the ability to diversify their investments by exchanging stock positions, oftentimes in highly appreciated or restricted stock, for shares of a diversified portfolio. Contributions of appreciated stock to a properly structured exchange fund are not taxable under current federal tax law.
Private Credit & Equity
Private Credit investing is an essential component of Morgan Stanley Investment Management’s alternative investments platform. I manage a well-defined group of strategies and seek to deliver attractive returns to their investors by forging successful partnerships with their portfolio companies.
Concentrated Stock Management
Concentrated positions can increase investment risk. The simplest way to reduce that risk is to diversify your portfolio. However, many investors may be unable or unwilling to sell their concentrated position. I work to develop hedging and monetization strategies on high net worth individual's concentrated stock positions, that allow these investors to generate additional income on these concentrated positions.
Hedge Funds
Morgan Stanley's hedge fund solutions include custom portfolios; broadly-diversified, opportunistic, and strategy-specific funds; and advisory services.
Banking Solutions
Morgan Stanley provides a full range of banking, lending, and cash management services for individuals and small businesses.
Insurance Solutions
A sound wealth plan involves more than just seeking returns. It also involves mitigating and managing risks, helping to cushion you when the unexpected occurs. An insurance product can help you plan for and guard against life’s hidden curves – to help protect your assets and your family.
Location
7733 Forsyth Blvd
Ste 2100
Clayton, MO 63105
US
Direct:
(217) 875-7603(217) 875-7603
Toll-Free:
(800) 446-4058(800) 446-4058
Meet The Weaving Road Group
Wealth Advisor, Executive Financial Services Director, Certified Exit Planning Advisor™ (CEPA)
Phone:
(314) 889-9833(314) 889-9833
Karole Holden
Senior Registered Associate
Phone:
(217) 875-7609(217) 875-7609
About William P Shade
As a licensed investment professional since 1997, Pen implements wealth management strategies for clients by concentrating on portfolio management. He began his career with Morgan Stanley Dean Witter in New York City. Upon moving back to his hometown of Decatur, Illinois in 1999, he managed an office for Edward Jones, later joining Morgan Stanley in 2006 to take advantage of the breadth of resources available at the firm. He focuses on multi-generational wealth planning, investment management, and business development.
Pen earned a B.S. in Information Technology from Syracuse in 1996. He enjoys participating in his family's activities, playing tennis, and traveling. He is married to wife, Dawn, and has two children, Halle and Will. They reside in Decatur.
Pen earned a B.S. in Information Technology from Syracuse in 1996. He enjoys participating in his family's activities, playing tennis, and traveling. He is married to wife, Dawn, and has two children, Halle and Will. They reside in Decatur.
Securities Agent: MN, AL, OH, IL, WI, NJ, NC, FL, AZ, WA, MO, MA, IN, NY, MI, CO, VA, TN, KS, GA, TX, MD, CA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1285176
NMLS#: 1285176
About Peter D. Hogan
Pete Hogan joined Pen Shade at Morgan Stanley in 2015 and cofounded the Weaving Road Group. Combining his own talents and experience with the vast resources of Morgan Stanley, Pete supports the team’s clients in the creation, implementation and maintenance of highly customized financial plans and portfolios. Often working closely with the firm’s capital markets and alternative investment desks, he plays a key role in the team’s investment selection process and trading activities. Pete generates innovative ideas and seeks investment opportunities for the team’s clients while adhering to a strong investment philosophy, process, and discipline.
After graduating from Saint Louis University with a degree in Finance, Pete started his career in the inaugural management training program at US Bank, where he gained experience in retail bank leadership, credit markets, and eventually regional management. Pen recruited Pete to Morgan Stanley in 2015 to grow the team's footprint, and focus our efforts on individuals across the country with a background and interest in banking. In March of 2018, Pete earned his CERTIFIED FINANCIAL PLANNER™ certificate. He is also designated "Executive Financial Services Director" by the Morgan Stanley Executive Financial Services team.
Pete and his wife, Natalie, live in St. Louis and have three young children. They are members of the Missouri Athletic Club and Mary Queen of Peace Parish.
After graduating from Saint Louis University with a degree in Finance, Pete started his career in the inaugural management training program at US Bank, where he gained experience in retail bank leadership, credit markets, and eventually regional management. Pen recruited Pete to Morgan Stanley in 2015 to grow the team's footprint, and focus our efforts on individuals across the country with a background and interest in banking. In March of 2018, Pete earned his CERTIFIED FINANCIAL PLANNER™ certificate. He is also designated "Executive Financial Services Director" by the Morgan Stanley Executive Financial Services team.
Pete and his wife, Natalie, live in St. Louis and have three young children. They are members of the Missouri Athletic Club and Mary Queen of Peace Parish.
Securities Agent: GA, MA, OH, KS, WI, TX, AL, NY, MI, CO, MN, IN, VA, TN, IL, WA, SC, NJ, NC, IA, FL, PA, MO, CA, AZ, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 570022
NMLS#: 570022
About Karole Holden
As the Senior Registered Associate, Karole is instrumental in providing first class customer service and also operational support for the group. She has been with Morgan Stanley since 2006. Karole previously ran the Edward Jones office in Decatur, and prior to that she had a career at Southwestern Bell in Springfield, Illinois. Karole enjoys traveling, shopping, and spending time with her children and grandchildren.
Contact William P Shade
Contact Peter D. Hogan
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Kimberly Guidone
Private Banker
Mamta Shah
Trust Specialist
About Kimberly Guidone
Kimberly is a Private Banker serving Morgan Stanley Wealth Management offices in Indiana.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
NMLS#: 619678
About Mamta Shah
Mamta Shah is the Trust Specialist based in Chicago, covering the Midwest Region. Morgan Stanley provides a full array of personal and institutional trust services to high net worth clients of the firm. Mamta’s responsibilities include educating Financial Advisors and their clients on the open architecture trust service model and helping them identify opportunities to leverage the trust partners on the platform.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Wealth Management
From Our Team
Understanding Your Retirement Plan Options When You Leave a Job
Wealth Management
Global Investment Office
Portfolio Insights
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
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Weaving Road 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.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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 legal matters.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Morgan 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 legal matters.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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 legal matters.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Morgan 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 legal matters.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
