Phone:
(781) 263-6861(781) 263-6861
The Wellesley Compass Group at Morgan Stanley
Our Mission Statement
Time-tested, comprehensive wealth management solutions and insightful advice from an experienced financial planning team dedicated to long term relationships built on integrity and trust.
Our Story and Services
The Wellesley Compass Group has over 155 years of combined experience in wealth management. We draw on our unique insight and perspective to guide our clients through all types of market conditions that only 3 decades of experience can bring.
We have found that obtaining a thorough understanding of each client’s financial position and creating a comprehensive, individualized plan is the most effective way of helping our clients reach their goals. Our collaborative planning process seeks to ensure your assets are aligned with your vision. To derive a complete picture of your situation, we take the time to learn about your finances, family, values, and objectives. Our aim is to have a blueprint in place that will inspire confidence.
We have dedicated our careers to developing a thoughtful, disciplined investment process that has withstood the test of time. The cornerstone to our investment process is “managing risk” with a priority of protection of wealth during the most challenging markets.
The group takes pride in having worked with clients for decades including families whom we have served for multiple generations. Our effort to truly care about our clients’ well-being has led to long-term, trusting relationships.
One of our highest priorities is to provide you with a service experience that exceeds expectations. Your portfolio will be attentively monitored, and meetings will be scheduled to appraise goals and evaluate financial conditions. Our team is accessible and all questions are welcomed.
Named to the 2025 Forbes Best-In-State Wealth Management Teams Ranking
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Awards Disclosures
We have found that obtaining a thorough understanding of each client’s financial position and creating a comprehensive, individualized plan is the most effective way of helping our clients reach their goals. Our collaborative planning process seeks to ensure your assets are aligned with your vision. To derive a complete picture of your situation, we take the time to learn about your finances, family, values, and objectives. Our aim is to have a blueprint in place that will inspire confidence.
We have dedicated our careers to developing a thoughtful, disciplined investment process that has withstood the test of time. The cornerstone to our investment process is “managing risk” with a priority of protection of wealth during the most challenging markets.
The group takes pride in having worked with clients for decades including families whom we have served for multiple generations. Our effort to truly care about our clients’ well-being has led to long-term, trusting relationships.
One of our highest priorities is to provide you with a service experience that exceeds expectations. Your portfolio will be attentively monitored, and meetings will be scheduled to appraise goals and evaluate financial conditions. Our team is accessible and all questions are welcomed.
Named to the 2025 Forbes Best-In-State Wealth Management Teams Ranking
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Awards Disclosures
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Client Experience
Before our team offers specific advice, we must understand who you are and what you want your wealth to accomplish. Working with you, we will complete a three-step process.
Develop a Customized Financial Plan
Morgan Stanley’s LifeView® Goal Analysis allows us to analyze your goals and help you:
i. Define and plan for your goals such as retirement, funding children’s education or purchasing a second home
ii. Build the appropriate asset allocation for reaching your goals
iii. Test different goal planning solutions and asset allocation strategies using probability simulations and stress testing
iv. Through this interactive process we aim to provide you with a comfort level that comes with having a blueprint for a confident and comfortable retirement
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
i. Define and plan for your goals such as retirement, funding children’s education or purchasing a second home
ii. Build the appropriate asset allocation for reaching your goals
iii. Test different goal planning solutions and asset allocation strategies using probability simulations and stress testing
iv. Through this interactive process we aim to provide you with a comfort level that comes with having a blueprint for a confident and comfortable retirement
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Implement your personalized investment strategy
Based on the asset allocation defined in your financial plan, we will work with you to bring the elements to life through the following options:
i. While there are a few exceptions, you can hold just about any investment within a Morgan Stanley brokerage account. Some familiar investment products include stocks, bonds, US Treasuries, CDs, mutual funds, exchange traded funds and annuities
ii. Your investment strategy can be implemented within one of two platforms; Advisor-directed through our Portfolio Management Program or Self-directed
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
i. While there are a few exceptions, you can hold just about any investment within a Morgan Stanley brokerage account. Some familiar investment products include stocks, bonds, US Treasuries, CDs, mutual funds, exchange traded funds and annuities
ii. Your investment strategy can be implemented within one of two platforms; Advisor-directed through our Portfolio Management Program or Self-directed
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Review and Monitor Progress
Consistent communication is a priority for us as we strive to be a source of comfort for our clients in all aspects of their lives.
i. Based on your personal preference, we will conduct review meetings on either a quarterly, semi-annual or annual basis
ii. Your financial plan will also be reviewed and updated annually to confirm your goals are still within reach and to reflect any life changes that may have occurred
iii. We are personally available to address any questions or concerns that may arise in the interim
iv. In addition, statements will be sent out monthly and accounts can be viewed online or through your mobile device in real-time
i. Based on your personal preference, we will conduct review meetings on either a quarterly, semi-annual or annual basis
ii. Your financial plan will also be reviewed and updated annually to confirm your goals are still within reach and to reflect any life changes that may have occurred
iii. We are personally available to address any questions or concerns that may arise in the interim
iv. In addition, statements will be sent out monthly and accounts can be viewed online or through your mobile device in real-time
Our Tools To Support And Protect Your Financial Plan
Our comprehensive suites of digital tools are designed to help enhance every aspect of your financial life. This will allow you to view your financial plan, while also safeguarding your personal information.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Cybersecurity
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Digital VaultExplore Exclusive Perks & Insights Available to Our Clients
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program. As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Contact The Wellesley Compass Group at Morgan Stanley to learn more about how you can enroll for the Reserved Living & Giving program.
Contact The Wellesley Compass Group at Morgan Stanley to learn more about how you can enroll for the Reserved Living & Giving program.
Morgan Stanley Blue Cash Preferred® American Express Card
A very welcoming offer. Earn a $250 statement credit with the Morgan Stanley Blue Cash Preferred® American Express Card.
Terms apply. Learn more.
A $695 Annual Engagement Bonus
For eligible Platinum CashPlus brokerage account clients with The Platinum Card® from American Express, exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify. Terms apply.
Click Here to Learn MoreLocation
112 Worcester Street
Wellesley, MA 02481
US
Direct:
(781) 263-6864(781) 263-6864
Meet The Wellesley Compass Group
James Gennari, CRPC®
Executive Director, Financial Advisor, Portfolio Management Director
Phone:
(781) 431-6764(781) 431-6764
Jason D. Devito, CRPC®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(781) 263-6863(781) 263-6863
Phone:
(781) 431-6731(781) 431-6731
Ryan Finn, CFP®
Financial Advisor
Phone:
(781) 263-6864(781) 263-6864
Stephanie Izzo, CRPC®
Vice President, Portfolio Management Associate
Phone:
(781) 263-6865(781) 263-6865
Susie Lui
Portfolio Associate
Phone:
(781) 431-6737(781) 431-6737
Felix Del Vecchio
Registered Client Service Associate
Phone:
(781) 431-6766(781) 431-6766
About Edward Long
E. Keith Long is the senior member of the Wellesley Compass Group at Morgan Stanley. He has over 35 years of wealth management experience and has been with the firm since 2012.
Keith’s focus is portfolio management with an emphasis on individual security selection. He is highly trained in his discipline; Keith holds Chartered Retirement Planning Counselor (CRPC®) designation and has been certified as a Portfolio Manager with Morgan Stanley. He employs both fundamental and technical analysis in identifying timely opportunities for the team’s clients. To ensure clients are comfortable with his approach, Keith takes the necessary time to educate and explain their program’s details.
A graduate of UNC-Charlotte in 1977, Keith started his career with The Upjohn Company in pharmaceutical sales. In 1984 he joined Merrill Lynch in the Wellesley office where he built a successful business working with self-employed professionals as well as many of the healthcare professionals with whom he developed relationships at Upjohn. In 1994 he formed a partnership with Joe Reilly, and they became one of Merrill Lynch’s first wealth management teams in the region. The team was further enhanced through the addition of Jason Devito in 2004, Jim Gennari and Marcie D'aleo in 2021.
Keith gives back to the community through Habitat for Humanity. He is married for 43 years and has a daughter living in New York. He enjoys alpine skiing, fresh water fishing and is a nature lover.
Keith’s focus is portfolio management with an emphasis on individual security selection. He is highly trained in his discipline; Keith holds Chartered Retirement Planning Counselor (CRPC®) designation and has been certified as a Portfolio Manager with Morgan Stanley. He employs both fundamental and technical analysis in identifying timely opportunities for the team’s clients. To ensure clients are comfortable with his approach, Keith takes the necessary time to educate and explain their program’s details.
A graduate of UNC-Charlotte in 1977, Keith started his career with The Upjohn Company in pharmaceutical sales. In 1984 he joined Merrill Lynch in the Wellesley office where he built a successful business working with self-employed professionals as well as many of the healthcare professionals with whom he developed relationships at Upjohn. In 1994 he formed a partnership with Joe Reilly, and they became one of Merrill Lynch’s first wealth management teams in the region. The team was further enhanced through the addition of Jason Devito in 2004, Jim Gennari and Marcie D'aleo in 2021.
Keith gives back to the community through Habitat for Humanity. He is married for 43 years and has a daughter living in New York. He enjoys alpine skiing, fresh water fishing and is a nature lover.
Securities Agent: UT, RI, OR, NE, CO, WI, SC, OH, MO, GA, AZ, NH, MN, CT, VA, NJ, MD, MA, ID, FL, DC, AL, AK, WA, ME, IL, DE, WY, PA, KY, TX, NM, NC, MI, HI, IN, VT, NV, MT, LA, TN, NY, CA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 522849
NMLS#: 522849
About James Gennari
Jim Gennari is an Executive Director, Portfolio Management Director, and Financial Advisor at Morgan Stanley where he focuses on analyzing each client’s unique situation and providing innovative solutions. He employs a consultative approach to understand his clients’ values and goals and then provides customized recommendations and strategies to address each client’s individual needs.
Prior to joining Morgan Stanley, Jim was a Wealth Management Advisor at Merrill Lynch. Committed to professional development and industry knowledge, Jim obtained the Chartered Retirement Planning Counselor designation. As a CRPC designee, he has extensive training in the retirement planning process, pre- and post-retirement needs analysis, asset management, and estate planning strategies.
He lives in Westwood, MA with his wife Kristen, two daughters, Francesca and Bianca, and golden retriever Georgie. Jim enjoys golfing and watching his daughters on the soccer field and volleyball/basketball/tennis courts.
Prior to joining Morgan Stanley, Jim was a Wealth Management Advisor at Merrill Lynch. Committed to professional development and industry knowledge, Jim obtained the Chartered Retirement Planning Counselor designation. As a CRPC designee, he has extensive training in the retirement planning process, pre- and post-retirement needs analysis, asset management, and estate planning strategies.
He lives in Westwood, MA with his wife Kristen, two daughters, Francesca and Bianca, and golden retriever Georgie. Jim enjoys golfing and watching his daughters on the soccer field and volleyball/basketball/tennis courts.
Securities Agent: MN, MA, WA, UT, KY, ID, DE, CT, NE, VA, SC, MT, IN, CA, TN, OR, NH, DC, CO, AZ, NY, FL, WI, RI, NV, NJ, MD, GA, AL, PA, MO, ME, IL, TX, OH, NM, AK, WY, VT, NC, MI, LA, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 697945
NMLS#: 697945
About Jason D. Devito
Jason is a Vice President, Portfolio Manager and Financial Advisor. He has 24 years of wealth management experience and has been with the firm since 2012.
Jason concentrates his talents on serving the investment and planning needs of high net worth families and corporations. He is responsible for designing and implementing retirement plans that help our clients achieve their desired retirement lifestyle. In addition, Jason assists business owners in the construction and management of their corporate retirement plans, cash management, deferred compensation and financing needs. Jason worked at Merrill Lynch from 1997 to 2012 prior to joining Morgan Stanley.
Jason is an alumnus of the Boston College class of 1993 where he obtained a B.S. in Finance and Economics. He stays active in the community by volunteering at the Greater Boston Food Bank. Jason received the 2002 Lifetime Community Achievement Award from Merrill Lynch.
Jason is an avid golfer, having captained the Boston College men’s golf team. He is a longtime member of Framingham CC, where he served on the board for ten years and president for three years, and he is a board member of the Ouimet Scholarship Fund.
Jason currently resides in Newton, MA with his daughter.
Jason concentrates his talents on serving the investment and planning needs of high net worth families and corporations. He is responsible for designing and implementing retirement plans that help our clients achieve their desired retirement lifestyle. In addition, Jason assists business owners in the construction and management of their corporate retirement plans, cash management, deferred compensation and financing needs. Jason worked at Merrill Lynch from 1997 to 2012 prior to joining Morgan Stanley.
Jason is an alumnus of the Boston College class of 1993 where he obtained a B.S. in Finance and Economics. He stays active in the community by volunteering at the Greater Boston Food Bank. Jason received the 2002 Lifetime Community Achievement Award from Merrill Lynch.
Jason is an avid golfer, having captained the Boston College men’s golf team. He is a longtime member of Framingham CC, where he served on the board for ten years and president for three years, and he is a board member of the Ouimet Scholarship Fund.
Jason currently resides in Newton, MA with his daughter.
Securities Agent: MT, NJ, NC, KY, CT, NY, NV, FL, DE, VA, TX, HI, WY, WI, VT, PA, IL, ID, WA, UT, MA, CO, MD, IN, GA, OR, NH, LA, CA, AK, OH, ME, AZ, SC, RI, NE, MO, MN, MI, DC, AL, TN, NM; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 41015
NMLS#: 41015
About Marcie D'Aleo
Having, spent 40 years in the financial services industry, most recently as a Senior Vice President at Morgan Stanley, my main goal is to provide my clients with clear thought paired with value added advice and a reasonable course of action. During these years I have had the pleasure of serving as a Financial Advisor at Prudential Securities, A G Edwards & Sons, Legg Mason, and more recently, RBC Wealth Management. Previous to that, I received my Bachelor of Arts degree from Boston University and pursued graduate classes in both business and art. Within the industry, I have had the pleasure of lecturing to peers about the importance of mentoring and about financial matters surrounding divorce, retirement, and legacy planning. Another area that has been of great importance to me has been working with companies offering early retirement to their employees.
I live in the Boston area with my husband and 2 very large German Shepherds, named Harlow and Doc. I have 2 grown children, Michael and Juliana, and our family recently added my one and only precious grandchild, Enzo, to the mix. We spend our time of relaxation in our home in Vermont and have perfected our art of travel yearly to the south of France. Throughout these years, my greatest pleasure has been derived from helping my clients.
I live in the Boston area with my husband and 2 very large German Shepherds, named Harlow and Doc. I have 2 grown children, Michael and Juliana, and our family recently added my one and only precious grandchild, Enzo, to the mix. We spend our time of relaxation in our home in Vermont and have perfected our art of travel yearly to the south of France. Throughout these years, my greatest pleasure has been derived from helping my clients.
Securities Agent: TN, CT, NC, MI, IN, CA, WY, PA, NE, CO, VT, TX, RI, NY, MT, ME, IL, NV, NJ, MD, VA, UT, OH, FL, AK, NM, MN, MA, KY, DE, AL, WA, MO, OR, NH, ID, HI, AZ, WI, SC, GA, DC, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1752108
NMLS#: 1752108
About Ryan Finn
Ryan is a Financial Advisor for the Wellesley Compass Group at Morgan Stanley. He joined the team in 2019 as a client service associate and became an advisor for the team in 2022.
Ryan’s focus is based around financial planning for all of his clients to learn what is most important to them. Ryan assists clients to define their financial goals, plan for different milestones in their life and monitor their success over time. His goal is to help our clients simplify the complexities that come along with planning for their future so they can feel confident in their financial plan.
Ryan graduated from Bentley University in 2019 where he obtained a B.S. in Corporate Finance and Accounting. Ryan holds a series 7 and series 66 designation and he passed the Certified Financial Planner exam in July of 2020.
Formerly from Long Island, NY, Ryan lives in Boston. He is an avid golfer and skier in his free time.
Ryan’s focus is based around financial planning for all of his clients to learn what is most important to them. Ryan assists clients to define their financial goals, plan for different milestones in their life and monitor their success over time. His goal is to help our clients simplify the complexities that come along with planning for their future so they can feel confident in their financial plan.
Ryan graduated from Bentley University in 2019 where he obtained a B.S. in Corporate Finance and Accounting. Ryan holds a series 7 and series 66 designation and he passed the Certified Financial Planner exam in July of 2020.
Formerly from Long Island, NY, Ryan lives in Boston. He is an avid golfer and skier in his free time.
Securities Agent: NV, AZ, VA, OR, AK, UT, PA, LA, HI, CT, AR, TX, SC, MI, TN, NJ, NH, KY, IL, DE, RI, ME, MD, IN, CO, NE, NC, FL, NY, NM, MT, MO, MN, ID, WY, WA, OH, MA, WI, GA, DC, CA, AL, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 2329786
NMLS#: 2329786
About Stephanie Izzo
Stephanie Izzo is a Portfolio Management Associate and Vice President. She has 15 years of wealth management experience.
Stephanie oversees the team's financial planning, and assists with trading of the team’s managed accounts. She started in the business with a college internship at Smith Barney and continued on full time after graduation. She went on to earn a MBA while working. Helping women discover financial independence is one of Stephanie’s passions.
Stephanie received a BA Degree in Finance from Stonehill College and MBA with a specialization in Asset Management from Boston College. She holds Chartered Retirement Plan Consultant (CRPC®) designation.
Stephanie enjoys the outdoors, especially the beach. She also likes like running, hiking, cycling and yoga. She lives with husband, son, Luca and dog, Olivia in Norwell.
Stephanie oversees the team's financial planning, and assists with trading of the team’s managed accounts. She started in the business with a college internship at Smith Barney and continued on full time after graduation. She went on to earn a MBA while working. Helping women discover financial independence is one of Stephanie’s passions.
Stephanie received a BA Degree in Finance from Stonehill College and MBA with a specialization in Asset Management from Boston College. She holds Chartered Retirement Plan Consultant (CRPC®) designation.
Stephanie enjoys the outdoors, especially the beach. She also likes like running, hiking, cycling and yoga. She lives with husband, son, Luca and dog, Olivia in Norwell.
About Susie Lui
Susie is a Portfolio Associate with The Wellesley Compass Group. In her role, Susie is focused on providing superior service to clients. Susie began her career in the financial services industry in 1990 and brings vast experience and knowledge to the group. Susie’s experience, dedication, organization, and passion for helping people helps clients to enjoy an extraordinary experience working with the team.
Susie grew up in Brookline and attended Boston University. Susie lives in Natick, MA with her husband Patrick and puppy. She has two sons who are both Doctors in Pharmacy. She enjoys reading and traveling with family and friends.
Susie grew up in Brookline and attended Boston University. Susie lives in Natick, MA with her husband Patrick and puppy. She has two sons who are both Doctors in Pharmacy. She enjoys reading and traveling with family and friends.
About Felix Del Vecchio
Felix is a registered client service associate with The Wellesley Compass Group. He has five years of experience working in the financial services industry & has been a member of our team since 2022. His attention to detail, compassion for others & dedication leads to an enhanced client experience.
Felix is originally from Portland Maine & has lived in the greater Boston area since 2019. He enjoys outdoor activities such as playing softball, hiking & spending time at the beach.
Felix is originally from Portland Maine & has lived in the greater Boston area since 2019. He enjoys outdoor activities such as playing softball, hiking & spending time at the beach.
Contact Edward Long
Contact James Gennari
Contact Jason D. Devito
Contact Marcie D'Aleo
Contact Ryan Finn
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
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- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Wellesley Compass Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Morgan 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.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
8Alternative 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.
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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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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The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Morgan 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.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
8Alternative 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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)
