Associate Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Management Director
Phone:
(203) 967-7036(203) 967-7036
The Weiser Group at Morgan Stanley
Direct:
(203) 356-9150(203) 356-9150
Toll-Free:
(800) 233-2353(800) 233-2353
Our Mission Statement
Aim to become your trusted team of advisors, delivering objective guidance and tailored solutions to help achieve all your family's financial goals
Our Story and Services
Wealth Management for Life
As the financial world becomes more complex, careful planning and tailored, objective advice becomes even more important to achieving your goals. Having a seasoned advisory team on your side can help simplify your financial life, so you can spend more time enjoying the wealth you’ve worked so hard to achieve.
At The Weiser Group, we offer a personalized approach to wealth management. Since 1984, we have been serving the specialized needs of high net worth families, professionals and business owners in Stamford and across the country. We have acquired the knowledge and skills necessary to serve as your single point of contact. Above all, as a family advisory practice, we offer the continuity and a balance of perspectives that help you – and your children – make more informed, confident decisions about your wealth now and in the future.
We believe wealth is about more than investments and how you manage your money. It’s about your life and the people and interests that give your life meaning. Our comprehensive and consultative approach focuses on your full financial picture – from preparing for retirement and caring for aging parents, to gifting strategies for causes important to you.
When you work with us, you will experience a fully-engaged standard of care that prioritizes your best interests and reflects your family values. We are committed to earning your trust and confidence every day through a powerful combination of experience, education and empathy.
At the Weiser Group, we have a "client first mindset." Each conversation allows us to develop a deeper understanding of you and your priorities. We are committed to developing longstanding relationships that can potentially provide value to you and the generations that follow.
Retirement assets, equity compensation and insurance policies should not be managed as separate entities, but as vital components of your overall financial picture. We consult with your accountant, attorney and other professionals to build a cohesive plan to help ensure all your assets are integrated and focused on achieving the same goals.
We believe our clients do best when they fully understand and are comfortable with their investments and how they fit into the bigger picture. Therefore, we are committed to providing ongoing education – in easy-to-understand language.
You can connect with us here: TheWeiserGroup@morganstanley.com
As the financial world becomes more complex, careful planning and tailored, objective advice becomes even more important to achieving your goals. Having a seasoned advisory team on your side can help simplify your financial life, so you can spend more time enjoying the wealth you’ve worked so hard to achieve.
At The Weiser Group, we offer a personalized approach to wealth management. Since 1984, we have been serving the specialized needs of high net worth families, professionals and business owners in Stamford and across the country. We have acquired the knowledge and skills necessary to serve as your single point of contact. Above all, as a family advisory practice, we offer the continuity and a balance of perspectives that help you – and your children – make more informed, confident decisions about your wealth now and in the future.
We believe wealth is about more than investments and how you manage your money. It’s about your life and the people and interests that give your life meaning. Our comprehensive and consultative approach focuses on your full financial picture – from preparing for retirement and caring for aging parents, to gifting strategies for causes important to you.
When you work with us, you will experience a fully-engaged standard of care that prioritizes your best interests and reflects your family values. We are committed to earning your trust and confidence every day through a powerful combination of experience, education and empathy.
At the Weiser Group, we have a "client first mindset." Each conversation allows us to develop a deeper understanding of you and your priorities. We are committed to developing longstanding relationships that can potentially provide value to you and the generations that follow.
Retirement assets, equity compensation and insurance policies should not be managed as separate entities, but as vital components of your overall financial picture. We consult with your accountant, attorney and other professionals to build a cohesive plan to help ensure all your assets are integrated and focused on achieving the same goals.
We believe our clients do best when they fully understand and are comfortable with their investments and how they fit into the bigger picture. Therefore, we are committed to providing ongoing education – in easy-to-understand language.
You can connect with us here: TheWeiserGroup@morganstanley.com
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
PLEASE STAY TUNED FOR UPCOMING EVENTS
Upcoming Weiser Group Events
Estate Planning Event: Wednesday, November 8 | 5:30 PM
Do you have an estate plan? A trust? Do you know the basics of each?
We will hear from our hosted speaker, an Estate and Elder lawyer, who will give us an overview and discuss how trust and estate planning may be beneficial to you.
Learn MoreDo you have an estate plan? A trust? Do you know the basics of each?
We will hear from our hosted speaker, an Estate and Elder lawyer, who will give us an overview and discuss how trust and estate planning may be beneficial to you.
Upcoming Women in Wealth of Stamford Events
Social Security and Healthcare in Retirement Seminar
Wed, Oct 16 | 5:30 - 6:30 PM
Join us for a discussion on Social Security, Medicare, and the aspects of Healthcare in Retirement. Speakers will provide an overview of these essential topics and real life examples, followed by Q&A.
Event DetailsWed, Oct 16 | 5:30 - 6:30 PM
Join us for a discussion on Social Security, Medicare, and the aspects of Healthcare in Retirement. Speakers will provide an overview of these essential topics and real life examples, followed by Q&A.
Out of the Digital Shadows: How to Navigate Emerging Cyber Risks
To mark Cybersecurity Awareness Month, Morgan Stanley expert Rachel Wilson will review the last 12 months in cybersecurity and unpack new trends and terminology. Tune in and explore ways to help protect your data and assets from emerging cyber threats..
Replay Link
Medicare Event
Tuesday, October 17 | 5:30 PM
Medicare is the health insurance many of us will depend on after retirement and there is a lot to know.
Please join us for a conversation where you will gain a better understanding of the basics of the Medicare program including eligibility, enrollment, timelines, and plan offerings.
Learn MoreMedicare is the health insurance many of us will depend on after retirement and there is a lot to know.
Please join us for a conversation where you will gain a better understanding of the basics of the Medicare program including eligibility, enrollment, timelines, and plan offerings.
Lessons in Leadership
Join Morgan Stanley for an exclusive conversation with Four-Star Admiral William H. McRaven, U.S. Navy (Ret.). The Admiral will share lessons in leadership amassed over his storied 37-year military career, including commanding the operations that resulted in the capture of Saddam Hussein, the rescue of Captain Phillips and the raid on Osama bin Laden.
Replay Link
Market Volatility is Normal
Thursday, June 8 | 5:00 - 7:30 PM
As we head into summer, join us for a fun dock-side happy hour, and hear how best to put market volatility into perspective.
If you have a friend or co-worker that you think would enjoy the outing, or would want to learn more, please bring them along.
Learn MoreAs we head into summer, join us for a fun dock-side happy hour, and hear how best to put market volatility into perspective.
If you have a friend or co-worker that you think would enjoy the outing, or would want to learn more, please bring them along.
Cybersecurity in the Age of AI: Power, Peril and Protecting Yourself
In this webinar, we unpacked the power of Artificial Intelligence (AI) for cybersecurity—the good and the bad—and outlined the practical steps you can take to secure your digital footprint.
Replay Link
Do You Pickle or Paddle?
Wednesday, May 10 | 5:30 - 7:30 PM
Whether you are a pro or a newbie at Pickleball or Paddle tennis, join us for an evening at the Weed Beach Paddle Courts.
Learn MoreWhether you are a pro or a newbie at Pickleball or Paddle tennis, join us for an evening at the Weed Beach Paddle Courts.
Our Clients
Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services to a broad range of clients:
- Retirees and individuals planning for retirement
- Small business owners and entrepreneurs
- Professionals, including doctors, lawyers and accountants
- Guardians appointed to manage large settlements or estates
-Women seeking guidance for themselves and their family
While each client has a unique set of goals and circumstances, they all have one thing in common: They need help developing a comprehensive and cohesive wealth strategy.
Our role is to help you effectively manage and preserve your assets, so you may enjoy your wealth and leave the legacy you desire.
- Retirees and individuals planning for retirement
- Small business owners and entrepreneurs
- Professionals, including doctors, lawyers and accountants
- Guardians appointed to manage large settlements or estates
-Women seeking guidance for themselves and their family
While each client has a unique set of goals and circumstances, they all have one thing in common: They need help developing a comprehensive and cohesive wealth strategy.
Our role is to help you effectively manage and preserve your assets, so you may enjoy your wealth and leave the legacy you desire.
Our disciplined process identifies and implements appropriate solutions to help you accomplish and maintain financial success. Through each step, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
1. Discovery
We begin with a detailed discussion where we listen carefully to what is important to you. We learn about the values that shape your decisions and identify any unique circumstances. We review important financial documents as we define your priorities.
2. Analysis and Recommendations
Here, we review your current and future financial situation, determine the likelihood of reaching your goals and help address the impact of unexpected life events. Based on our comprehensive analysis, we’ll develop and present a detailed action plan with recommendations to help you effectively build, preserve and transfer your wealth.
3. Implementation
As we execute your plan, we set up tools to offer convenient access to your accounts. We’ll schedule ongoing updates and follow up on key items to ensure your plan is implemented as expected.
4. Ongoing Service
We apply a strict due diligence process to evaluate investment performance and set up regular calls to discuss progress towards your goals. In these discussions, we determine if any adjustments are needed, since personal goals and market conditions can change over time.
Useful Resources
It is important to have a deep understanding of the factors that affect the creation, implementation, and preservation of your financial plan. The links/resources below provide a digestible way of learning and keeping up to date so you can have a full perspective on those factors.
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On the Markets Research Report
Thoughts On The Market Podcast
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On The Market PodcastWith perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
2022 Income Tax Tables
For help preparing for your 2022 taxes, view the tax tables below.
2022 Income Tax Tables
The Morgan Stanley Minute
The Morgan Stanley Minute
Explore our 1-minute investment insights videos, in this on-going series, from our firm’s leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
The Morgan Stanley MinuteExplore our 1-minute investment insights videos, in this on-going series, from our firm’s leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
The Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly
Tax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Tax-Smart Strategies for Your Retirement
Spending and Budgeting Tools
Get closer to achieving your financial goals with these comprehensive tools and resources.
Spending and Budgeting Tools
Six Steps to Creating an Emergency Fund
We all know we should have money set aside for emergencies. Here’s how to go about it.
Six Steps to Creating an Emergency FundLocation
4 Landmark Square
2nd Floor
Stamford, CT 06901
US
Direct:
(203) 356-9150(203) 356-9150
Toll-Free:
(800) 233-2353(800) 233-2353
Meet The Weiser Group
Andre Y Weiser, CPM®, CFP®
First Vice President, Financial Advisor, Portfolio Management Director
Phone:
(203) 967-7103(203) 967-7103
Amy Weiser
Financial Advisor
Phone:
(203) 967-7030(203) 967-7030
Santo Borsellino
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(203) 326-6932(203) 326-6932
Nicholas Gallucci
Registered Client Service Associate
Phone:
(203) 326-6978(203) 326-6978
About Suzanne Weiser
Suzanne is an experienced Financial Advisor, Financial Planning Specialist and founding partner of The Weiser Group. Her practice includes professionals, families and business owners, with a particular emphasis on women managing life-changing events, such as divorce or the loss of a spouse. Her approach includes the development of a tailored wealth management plan and a commitment to ongoing education and outstanding service.
After building a successful career in insurance marketing, Suzanne determined it was time to help individuals more directly. She spoke with her brother, Andre, a successful Financial Advisor with Morgan Stanley, and made the decision to follow a similar path. She joined Morgan Stanley in Mt. Laurel, NJ, in 1999 before joining him in Stamford in 2001 and officially formed The Weiser Group.
Since then, Suzanne has built a successful practice educating and advising clients on how to better understand and manage their total financial picture. She believes investing should be based on a strategy that is easy to understand and easy to implement. Through a goals-based process and world-class resources, Suzanne works diligently to provide clients with clarity and confidence about their finances, so they can invest their time on the people and activities that bring their lives joy.
Suzanne currently resides in Greenwich, CT. She volunteers at the American Cancer Society, supports the Coventry House in Stamford, as well as several other charitable activities sponsored by Morgan Stanley. An avid golfer, Suzanne is a member of the Greenwich Women’s Golf Club. She also practices yoga, is a dedicated Pickleball player, enjoys cooking, baking and the occasional game of Mahjong. Suzanne is also fluent in French.
After building a successful career in insurance marketing, Suzanne determined it was time to help individuals more directly. She spoke with her brother, Andre, a successful Financial Advisor with Morgan Stanley, and made the decision to follow a similar path. She joined Morgan Stanley in Mt. Laurel, NJ, in 1999 before joining him in Stamford in 2001 and officially formed The Weiser Group.
Since then, Suzanne has built a successful practice educating and advising clients on how to better understand and manage their total financial picture. She believes investing should be based on a strategy that is easy to understand and easy to implement. Through a goals-based process and world-class resources, Suzanne works diligently to provide clients with clarity and confidence about their finances, so they can invest their time on the people and activities that bring their lives joy.
Suzanne currently resides in Greenwich, CT. She volunteers at the American Cancer Society, supports the Coventry House in Stamford, as well as several other charitable activities sponsored by Morgan Stanley. An avid golfer, Suzanne is a member of the Greenwich Women’s Golf Club. She also practices yoga, is a dedicated Pickleball player, enjoys cooking, baking and the occasional game of Mahjong. Suzanne is also fluent in French.
Securities Agent: KY, IL, HI, GA, WV, TN, SC, RI, MA, IN, NV, DE, CT, DC, UT, NC, MD, IA, NJ, NH, MN, ID, OH, MO, AZ, WY, VT, TX, PR, PA, OR, NY, MI, ME, KS, CO, WI, FL, CA, AR, WA, VA, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 187151
NMLS#: 187151
About Andre Y Weiser
Andre is proud to be a vital member of Morgan Stanley’s history for more than 39 years. This rare tenure has enabled him to build longstanding relationships with the firm’s senior leaders, providing his clients with immediate access to the full scope of Morgan Stanley’s intellect and global resources. Andre enjoys helping clients simplify their financial lives, so they may enjoy the wealth they have created and leave the legacy they desire.
Born in Cairo, Egypt, Andre moved to the U.S. when he was eight years old. Upon graduating from Syracuse University, he worked at General Motors. It was there he made a life-changing decision to pursue a career that combines two important passions: helping people and solving problems. Andre joined Morgan Stanley in 1984 and immediately began to understand how his guidance as a financial advisor could make a profound difference on the quality of the lives of his clients.
Andre is committed to professional development. He earned his M.B.A. from Iona College, his Certified Portfolio Management (CPM®) certification from Columbia University and the prestigious CERTIFIED FINANCIAL PLANNING (CFP®) designation from the Certified Financial Planner Board of Standards. Andre is a member of the Academy of Certified Portfolio Managers and the Portfolio Managers Institute, where he also served as a Board member from 2008 to 2011.
Andre resides in New Rochelle, NY and also spends time on the east end of Long Island where he is involved with the East End Classic Boat Society in Amagansett and the East End Arts Council in Riverhead. Andre and his spouse and business partner Amy have two daughters who are graduates of Binghamton University. Outside of the office, Andre enjoys collecting and restoring motorcycles and wooden boats, partakes in black and white photography, and enjoys cooking for family and friends. Andre also speaks fluent French.
Born in Cairo, Egypt, Andre moved to the U.S. when he was eight years old. Upon graduating from Syracuse University, he worked at General Motors. It was there he made a life-changing decision to pursue a career that combines two important passions: helping people and solving problems. Andre joined Morgan Stanley in 1984 and immediately began to understand how his guidance as a financial advisor could make a profound difference on the quality of the lives of his clients.
Andre is committed to professional development. He earned his M.B.A. from Iona College, his Certified Portfolio Management (CPM®) certification from Columbia University and the prestigious CERTIFIED FINANCIAL PLANNING (CFP®) designation from the Certified Financial Planner Board of Standards. Andre is a member of the Academy of Certified Portfolio Managers and the Portfolio Managers Institute, where he also served as a Board member from 2008 to 2011.
Andre resides in New Rochelle, NY and also spends time on the east end of Long Island where he is involved with the East End Classic Boat Society in Amagansett and the East End Arts Council in Riverhead. Andre and his spouse and business partner Amy have two daughters who are graduates of Binghamton University. Outside of the office, Andre enjoys collecting and restoring motorcycles and wooden boats, partakes in black and white photography, and enjoys cooking for family and friends. Andre also speaks fluent French.
Securities Agent: KS, CO, AR, NV, ID, UT, HI, DC, NY, NE, MO, IL, GA, DE, OR, NC, IA, PR, CA, NJ, NH, WA, PA, KY, IN, CT, WY, WI, VT, TN, OH, FL, AZ, WV, VA, SC, RI, MD, MA, TX, MN, MI, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 175798
NMLS#: 175798
About Amy Weiser
Amy enjoys working with families, providing highly personalized advice through a disciplined wealth management approach. Her diverse background in financial services and social work enables her to help clients understand the intricate details of their personal wealth, while planning effectively for such financial goals as retirement and long-term care. She focuses on what is most important to each family, so she can develop a customized plan designed to build and preserve their wealth.
Amy holds a Master's degree in clinical social work from New York University and worked in the field until transitioning to the role of Financial Advisor.
Originally a Midwesterner, Amy has been a long-time resident of New Rochelle, NY where she lives with her husband and business partner, Andre, and their two daughters who are graduates of Binghamton University. Favorite leisure activities include reading, practicing Pilates, and attempting to learn the French language.
Amy holds a Master's degree in clinical social work from New York University and worked in the field until transitioning to the role of Financial Advisor.
Originally a Midwesterner, Amy has been a long-time resident of New Rochelle, NY where she lives with her husband and business partner, Andre, and their two daughters who are graduates of Binghamton University. Favorite leisure activities include reading, practicing Pilates, and attempting to learn the French language.
Securities Agent: OR, DC, NV, AR, WV, NH, MO, MD, MA, ID, CT, ME, IL, CO, AZ, WY, NY, DE, RI, NC, VT, UT, TN, KS, HI, PA, IA, WI, PR, KY, IN, GA, VA, TX, OH, NJ, NE, MN, MI, FL, CA, WA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1297885
NMLS#: 1297885
About Santo Borsellino
Santo brings with him nearly thirty years of business, finance and financial services experience. Having worked in numerous capacities in the financial services industry, Santo provides a comprehensive level of service and perspective.
A graduate of Pace University’s Lubin School of Business with a B.A. in public accounting, Santo began his career as a mutual fund accountant with Dean Witter tracking day to day operations of various funds as well as internal audits of fund prospectuses. He then spent three years with Furman Selz, a boutique institutional trading firm, where he tracked firm trading activity and provided risk analysis for trading accounts covering: equities, fixed income, derivatives, foreign currency, and convertible arbitrage. In 1997, he left Wall Street to run a family owned mortgage company where for the next 13 years provided financing for thousands of residential as well as commercial clients. During that time the company received numerous industry awards and maintained a preferred broker status with the nation’s top lending institutions, a designation reserved for only five percent of industry brokers. In 2010, Santo began his work with Guardian Life Insurance Company. There, his focus was on wealth and estate protection through life, health, disability, and long-term care planning.
The final transition to Morgan Stanley has brought Santo full circle. His extensive experience with banking and investment institutions along with his acumen for working with families as well as businesses makes for a truly comprehensive level of service his clients can rely on.
Santo lives in northern Westchester with his two children. Outside the office Santo enjoys hiking, cross training and all outdoor activities.
A graduate of Pace University’s Lubin School of Business with a B.A. in public accounting, Santo began his career as a mutual fund accountant with Dean Witter tracking day to day operations of various funds as well as internal audits of fund prospectuses. He then spent three years with Furman Selz, a boutique institutional trading firm, where he tracked firm trading activity and provided risk analysis for trading accounts covering: equities, fixed income, derivatives, foreign currency, and convertible arbitrage. In 1997, he left Wall Street to run a family owned mortgage company where for the next 13 years provided financing for thousands of residential as well as commercial clients. During that time the company received numerous industry awards and maintained a preferred broker status with the nation’s top lending institutions, a designation reserved for only five percent of industry brokers. In 2010, Santo began his work with Guardian Life Insurance Company. There, his focus was on wealth and estate protection through life, health, disability, and long-term care planning.
The final transition to Morgan Stanley has brought Santo full circle. His extensive experience with banking and investment institutions along with his acumen for working with families as well as businesses makes for a truly comprehensive level of service his clients can rely on.
Santo lives in northern Westchester with his two children. Outside the office Santo enjoys hiking, cross training and all outdoor activities.
Securities Agent: TN, OH, MN, IA, NH, MA, IN, ID, AR, WY, VA, PR, CA, AZ, SC, NV, NC, MI, ME, IL, HI, FL, WV, OR, NE, KY, DC, CO, UT, GA, TX, RI, NJ, MD, DE, NY, WA, PA, KS, CT, MO, WI, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 65346
NMLS#: 65346
Contact Suzanne Weiser
Contact Andre Y Weiser
Contact Amy Weiser
Contact Santo Borsellino
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
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
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Weiser 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.
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4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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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.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
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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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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)
