Rachel Wedeen, CFP®
Managing Director, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(831) 440-5269(831) 440-5269
The Wedeen Hammer Locatelli Group at Morgan Stanley
Direct:
(831) 440-5200(831) 440-5200
Toll-Free:
(800) 488-3436(800) 488-3436
Our Mission Statement
We provide wealth management services with a holistic planning approach.
Our Story and Services
We provide wealth management services with a holistic planning approach. Our clients are primarily families, business owners and retirees whom we help make more informed decisions about their money and the growth and protection of their assets and estates. We treat our clients as we would our own families and aspire to build lasting, meaningful relationships based on trust, integrity and superior client service.
Forbes Best-In-State Wealth Management Teams 2024
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Forbes Best-In-State Wealth Management Teams 2024
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Community Involvement
The Wedeen Hammer Group is committed to our community and contributes to various non-profit organizations in a variety of ways. Several team members participate on boards of non-profit organizations or volunteer time to special events which support causes that are near and dear to us. Throughout the year, as a team, we also sponsor events or community initiatives that we feel can have a lasting impact.
Below is a compilation of organizations and events with which we are involved.
Below is a compilation of organizations and events with which we are involved.
Alzheimer’s Association
The Alzheimer's Association leads the way to end Alzheimer's and all other dementia — by accelerating global research, driving risk reduction and early detection, and maximizing quality care and support.
Big Brothers Big Sisters
Through Big Brothers Big Sisters we create and support one-to-one mentoring relationship that ignite the power and promise of youth.
Cabrillo College Foundation – Women’s Educational Success
Students often struggle to afford college, so when an unexpected expense comes up, it can force a student to drop out. We support Cabrillo College Foundation - WES in helping these students get through an emergency and stay in school.
Catamaran Literary Reader
Catamaran Literary Reader provides was founded in in 2011 and has published quarterly journals every quarter since. The provide courses to writers and artists from everywhere, with an emphasis on West Coast themes.
Community Foundation Santa Cruz County
Community Foundation supports effective programs that address community issues and enrich the lives of Santa Cruz County residents. They leverage resources toward a future that is just, equitable, and inclusive of our diverse community.
Diversity Center of Santa Cruz County
The Diversity Center of Santa Cruz envisions a healthy, vibrant, and diverse intergenerational LGBTQ+ community, safe and secure in their persons, schools, work, and homes; fueled by a spirit of collaboration with each other and the greater community.
Dominican Hospital Foundation
They are the only facility in Santa Cruz County providing life support for premature babies, emergency heart attack care, neurosurgery, certified stroke care, in-patient cancer treatments and a mobile
Farm Discovery at Live Earth Farm
Farm Discovery at Live Earth is a nonprofit organization working in the Pajaro Valley community to empower youth and families to build and sustain healthy food, farming, social and natural systems.
Farm Discovery at Live Earth Farm
Girls Inc. of the Central Coast delivers life-changing programs and experiences that equip girls to overcome serious barriers to grow up strong, smart, and bold.
Happy Valley School District
We support Happy Valley School District in providing students sound education and access to resources.
Hospice of Santa Cruz County
We Believe everyone in our community deserves the to live and die with dignity. Hospice of Santa Cruz County honors the choices of individuals and families
Kuumbwa Jazz
Kuumbwa Jazz envisions a community where all people can experience the joy of music, and understand the value and legacy of jazz as an original American art form.
Open Studios
Through grants to artists and arts organizations, arts education programs that serve more than 20,000 youth across Santa Cruz County.
Planned Parenthood Mar Monte
Planned Parenthood Mar Monte (PPMM) is the largest Planned Parenthood affiliate in the U.S., providing medical and education services to nearly 300,000 people annually at 34 health center locations in mid-California and northern Nevada.
Santa Cruz Cancer Benefit Group
We are dedicated to improving the quality of life for people living with cancer in the Santa Cruz community by raising money to support our beneficiary organizations and fund new research that will provide possible cures and better solutions for treating cancer.
Santa Cruz Hillel
Santa Cruz Hillel is a home away from home for Jewish students at the University of California, Santa Cruz, Cabrillo College and CSU Monterey Bay. We provide Jewish educational, cultural, and social programs for all students.
Manage Your Financial Life & Beyond
Reaching your goals often involves going beyond investment advice—we provide a wide array of offerings and services centered on you and customized to help meet your needs, and provide access to specialists to help pursue specific goals
DISCOVER
Start with a conversation to gain a thorough understanding of your needs, lifestyle
and family – and your goals for the future.
and family – and your goals for the future.
ADVISE
We work with you to develop portfolio strategies to help you achieve and protect the outcomes you envision.
IMPLEMENT
Look across multiple accounts and products to help you implement solutions that are an appropriate fit for
your strategy.
your strategy.
TRACK PROGRESS
We help you track your progress as well as spending and savings to help ensure you remain on track toward
your goals.
your goals.
INSIGHTS & INFORMATION
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. I am a firm believer of giving my clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets
Click HereAre You Prepared for Tax Day?
The countdown to Tax Day has begun. Here are some strategies to consider as the deadline approaches.
Click HereThe Rules of Housing Affordability Have Changed
Although mortgage rates are beginning to ease, the number of home sales is expected to languish for now.
Click HereMorgan Stanley's comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
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Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth ManagementFinancial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio InsightsLocation
6004 La Madrona Dr
Santa Cruz, CA 95060
US
Direct:
(831) 440-5200(831) 440-5200
Toll-Free:
(800) 488-3436(800) 488-3436
Meet The Wedeen Hammer Locatelli Group
Tiffany Hammer, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Lending Specialist
Phone:
(831) 440-5266(831) 440-5266
Jessica Locatelli, QPFC
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(831) 440-5281(831) 440-5281
Angie McClellan
Assistant Vice President, Director of Business Strategy
Phone:
(831) 440-5278(831) 440-5278
Monica Carney
Portfolio Associate, Financial Planning Specialist
Phone:
(831) 440-5274(831) 440-5274
Jacob Willet
Registered Client Service Associate
Phone:
(831) 440-5255(831) 440-5255
About Rachel Wedeen
Rachel Wedeen, CFP®
Executive Director
Financial Advisor
CA Insurance Lic. #0A04836
Rachel joined Shearson Hayden Stone in 1977 after graduating from Northwestern University. She is a fully licensed investment professional and earned her CERTIFIED FINANCIAL PLANNER™ designation in 1986. She has 45 years of experience in her field.
Rachel is firmly committed to building client relationships and strives to deliver exceptional service. She listens carefully to her clients’ goals, values, aspirations and concerns. As a result of her understanding, she dedicates her efforts to assisting her clients to achieve their financial goals. Her focus is to provide a premier multi-generational wealth management service.
Rachel’s community involvement has been extensive and currently involves her serving on the Board of Directors of the Cabrillo College Foundation. She has served on the Board of the Community Foundation of Santa Cruz County as past chair of the Grants Committee, as chair of the Finance Committee for the Dominican Hospital Foundation and as a member of the boards of Hospice of Santa Cruz County, The Catamaran Literary Reader, the Cultural Council of Santa Cruz County, Planned Parenthood, Big Brothers Big Sisters and Past President of Soroptimist International of Santa Cruz. Serving as a resource on Planned Giving is one of her highest priorities.
Executive Director
Financial Advisor
CA Insurance Lic. #0A04836
Rachel joined Shearson Hayden Stone in 1977 after graduating from Northwestern University. She is a fully licensed investment professional and earned her CERTIFIED FINANCIAL PLANNER™ designation in 1986. She has 45 years of experience in her field.
Rachel is firmly committed to building client relationships and strives to deliver exceptional service. She listens carefully to her clients’ goals, values, aspirations and concerns. As a result of her understanding, she dedicates her efforts to assisting her clients to achieve their financial goals. Her focus is to provide a premier multi-generational wealth management service.
Rachel’s community involvement has been extensive and currently involves her serving on the Board of Directors of the Cabrillo College Foundation. She has served on the Board of the Community Foundation of Santa Cruz County as past chair of the Grants Committee, as chair of the Finance Committee for the Dominican Hospital Foundation and as a member of the boards of Hospice of Santa Cruz County, The Catamaran Literary Reader, the Cultural Council of Santa Cruz County, Planned Parenthood, Big Brothers Big Sisters and Past President of Soroptimist International of Santa Cruz. Serving as a resource on Planned Giving is one of her highest priorities.
Securities Agent: FL, WI, SD, MA, CT, TX, TN, PA, WV, AR, MT, DE, CO, NM, NC, MI, ID, WA, NV, GA, AZ, VA, UT, NJ, MN, IN, CA, OR, OH, NY, HI, VT, IL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1272941
CA Insurance License #: 0A04836
NMLS#: 1272941
CA Insurance License #: 0A04836
About Tiffany Hammer
Tiffany D. Hammer, CFP®
Senior Vice President
Family Wealth Advisor
Lending Specialist
Financial Advisor
CA Insurance Lic. #0E98563
Tiffany is also a CERTIFIED FINANCIAL PLANNER™ and fully licensed investment professional. She holds a Bachelor of Arts in Economics from the University of California at Santa Cruz. Tiffany’s extensive knowledge and training in financial planning – retirement, estate, education and asset allocation – complements Rachel’s experience so that we may provide comprehensive financial planning to every one of our clients.
Her perspective in wealth management affords her the ability to collaborate with our clients’ attorneys and CPAs – enabling their personal advisors to be in sync with the clients’ objectives.
Tiffany has been an active member of the Santa Cruz community for over 20 years. She has served as Chair of the Board of the Capitola Soquel Chamber of Commerce and as President of the Santa Cruz Host Lions Club. She currently serves on the Board of Directors for the Dominican Hospital Foundation and also volunteers her time with the United Way of Santa Cruz County.
Senior Vice President
Family Wealth Advisor
Lending Specialist
Financial Advisor
CA Insurance Lic. #0E98563
Tiffany is also a CERTIFIED FINANCIAL PLANNER™ and fully licensed investment professional. She holds a Bachelor of Arts in Economics from the University of California at Santa Cruz. Tiffany’s extensive knowledge and training in financial planning – retirement, estate, education and asset allocation – complements Rachel’s experience so that we may provide comprehensive financial planning to every one of our clients.
Her perspective in wealth management affords her the ability to collaborate with our clients’ attorneys and CPAs – enabling their personal advisors to be in sync with the clients’ objectives.
Tiffany has been an active member of the Santa Cruz community for over 20 years. She has served as Chair of the Board of the Capitola Soquel Chamber of Commerce and as President of the Santa Cruz Host Lions Club. She currently serves on the Board of Directors for the Dominican Hospital Foundation and also volunteers her time with the United Way of Santa Cruz County.
Securities Agent: PA, MI, IN, FL, MT, AR, VA, TN, NV, NC, AZ, WI, OH, MN, ID, CO, CA, OR, IL, NY, GA, CT, WV, NM, MA, HI, DE, WA, UT, TX, SD, NJ, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1275610
CA Insurance License #: 0E98563
NMLS#: 1275610
CA Insurance License #: 0E98563
About Jessica Locatelli
Jessica Locatelli, QPFC
Vice President
Financial Advisor
Financial Planning Specialist
Workplace Advisor – Equity Compensation
CA Insurance License #0H77343
NMLS #1279644
Jessica Locatelli launched her financial career in 2008 after graduating from University of California at Santa Cruz. She joined Morgan Stanley in 2011. She holds several financial licenses including: QPFC; Financial Planning Specialist; Workplace Advisor, Equity Compensation as well as Series 7, 66, 31, CA Insurance License and the NMLS designation.
Professionally, Jessica contributes expertise in retirement planning, corporate retirement plans, tax-free and corporate bond strategies as well as alternative investments. She also shares our team’s core values of giving back to our rich and diverse community. She currently serves on the Finance Committee for the Community Foundation of Santa Cruz County and is a member of the San Lorenzo Valley Rotary Club.
When she and her husband, Ty, are not spending precious time raising their two young children on their ranch in the Santa Cruz Mountains, Jessica is in the saddle show jumping. One of her proudest achievements is when she and her now retired Paint Horse, Diamond, traveled to Fort Worth and earned the 2019 APHA titles of World Champion Working Hunter as well as Reserve World Champion in both Hunt Seat Equitation and Jumping. Jessica is still active in the local horse community and enjoys competing on the West Coast.
Vice President
Financial Advisor
Financial Planning Specialist
Workplace Advisor – Equity Compensation
CA Insurance License #0H77343
NMLS #1279644
Jessica Locatelli launched her financial career in 2008 after graduating from University of California at Santa Cruz. She joined Morgan Stanley in 2011. She holds several financial licenses including: QPFC; Financial Planning Specialist; Workplace Advisor, Equity Compensation as well as Series 7, 66, 31, CA Insurance License and the NMLS designation.
Professionally, Jessica contributes expertise in retirement planning, corporate retirement plans, tax-free and corporate bond strategies as well as alternative investments. She also shares our team’s core values of giving back to our rich and diverse community. She currently serves on the Finance Committee for the Community Foundation of Santa Cruz County and is a member of the San Lorenzo Valley Rotary Club.
When she and her husband, Ty, are not spending precious time raising their two young children on their ranch in the Santa Cruz Mountains, Jessica is in the saddle show jumping. One of her proudest achievements is when she and her now retired Paint Horse, Diamond, traveled to Fort Worth and earned the 2019 APHA titles of World Champion Working Hunter as well as Reserve World Champion in both Hunt Seat Equitation and Jumping. Jessica is still active in the local horse community and enjoys competing on the West Coast.
Securities Agent: MT, DE, TN, MN, MI, GA, SD, OR, OH, NY, MA, IN, ID, CA, AZ, UT, NV, IL, NM, HI, WA, NJ, CO, WI, CT, AR, TX, PA, FL, VT, WV, NC, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279644
CA Insurance License #: 0H77343
NMLS#: 1279644
CA Insurance License #: 0H77343
About Angie McClellan
Angie is a fully licensed Registered member and current Director of Business Strategy who joined our team in November 2011. She graduated from the University of San Diego with a BA in International Relations and has extensive experience in digital marketing and advertising. Angie coordinates the group’s day-to-day operations, organizes client seminar events and facilitates financial and retirement planning activities. Angie is firmly committed to developing long-term relationships and strives to deliver exceptional client service. Angie is currently a Dominican Hospital Foundation’s Women of Wellness council member. In years past, she co-chaired Cabrillo College Foundation’s Women’s Educational Success committee and sat on the board of directors of Farm Discovery in Watsonville, California. She enjoys reading, gardening, raising chickens and spending time with her husband, niece and nephew.
CA Insurance License #: 0I83371
About Monica Carney
Monica is a fully licensed Portfolio Associate and Financial Planning Associate who joined our team in April 2017. She graduated from University of California, Santa Cruz in 2004 with a BA in Business Management Economics. While at UCSC, she swam for the UCSC Banana Slugs (NCAA Division III). Monica is the team’s lead for day-to-day operations and will participate in designing client events. She is committed to providing the highest level of client service. Outside of the office, Monica is a swim coach for the Santa Cruz Masters, a local non-profit swim program for adults (United States Masters Swimming). She also serves on the race committee of the Santa Cruz Triathlon and is a volunteer for Slug Aquatics, a local non-profit swim program for kids. In addition to coaching, Monica also competes in open water swimming events in the Bay Area.
2004 Present: Morgan Stanley
BA Business Management Economics
Series 7 & 66 Licensed
CA Insurance Lic. #0I83108
Notary Public
Santa Cruz Masters Coach
Santa Cruz Triathlon Race Committee Member
Slug Aquatics Volunteer Treasurer
2004 Present: Morgan Stanley
BA Business Management Economics
Series 7 & 66 Licensed
CA Insurance Lic. #0I83108
Notary Public
Santa Cruz Masters Coach
Santa Cruz Triathlon Race Committee Member
Slug Aquatics Volunteer Treasurer
CA Insurance License #: 0I83108
About Jacob Willet
Jacob is a fully licensed Registered Client Service Associate and joined our team September of 2019. He graduated from the University of California, Santa Cruz in 1998 with a BA in Environmental Studies and American Literature, and also holds an MA in English Literature from San Francisco State University. He has widespread experience in residential real estate. As a member of the Wedeen Hammer Locatelli Group, Jacob supports day-to-day operations as well as long-term projects. He has extensive experience and will deliver exceptional client service. Jacob currently serves as a School Board Member at Happy Valley Elementary School, his alma mater, and the school his children currently attend. He enjoys running, listening to music, reading, and spending time with his family.
CA Insurance License #: 4227743
Contact Rachel Wedeen
Contact Tiffany Hammer
Contact Jessica Locatelli
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
Lina Li
Private Banker
About Lina Li
Lina Li is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Lina began her career in financial services in 2005, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch. She also served as a Preferred Banking Office Manager at First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of San Jose State University, where she received a Bachelor of Science in Business Administration with a Concentration in Accounting. She lives in San Jose, California with her family. Outside of the office, she enjoys reading, travelling, and spending time with family and friends. Lina dedicates her time to SCRITCH Kittens as Secretary, Adoption Counselor and foster.
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.
Lina began her career in financial services in 2005, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch. She also served as a Preferred Banking Office Manager at First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of San Jose State University, where she received a Bachelor of Science in Business Administration with a Concentration in Accounting. She lives in San Jose, California with her family. Outside of the office, she enjoys reading, travelling, and spending time with family and friends. Lina dedicates her time to SCRITCH Kittens as Secretary, Adoption Counselor and foster.
NMLS#: 1376901
Wealth Management
From Our Team
Are You Prepared for Tax Day?
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
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- Retirement plan participants
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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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 Wedeen Hammer Locatelli 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.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5The 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance 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*.
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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:
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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.
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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.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5The 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
