Scott Brody, CIMA®
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(781) 263-6851(781) 263-6851
The Wellesley Hills Group at Morgan Stanley
Our Mission Statement
Experienced team, working with you and your family to help preserve and grow wealth for your long-term goals, combined with dedicated personal service.
About Us
The Wellesley Hills Group at Morgan Stanley is here to help you achieve financial success. This begins by developing an in-depth understanding of you and the financial goals that are most important to you. These may include providing an education to children and grandchildren, buying a vacation home, meeting the special needs of a family member, retiring ten years early - the list is endless, and the priorities are uniquely your own. We work hard to support you whether you are accumulating wealth, investing for income, solidifying retirement security, or devising a distribution approach that meets your desired lifestyle and legacy. Drawing on the team's experience - and perspective informed by the insight and resources of one of the world's largest financial firms - we will create and implement a personalized wealth plan and investment strategy for you. We will then monitor and make adjustments when appropriate to bring you closer to reaching your goals. In short, your dreams and aspirations become our focus, and achieving them becomes a commitment that we share.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Sustainable InvestingFootnote4
- Retirement PlanningFootnote5
- 401(k) Rollovers
- Estate Planning StrategiesFootnote6
- Business Succession PlanningFootnote7
- Cash ManagementFootnote8
- Corporate Retirement PlansFootnote9
- Lending Products
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
2025 Forbes Best-In-State Wealth Management Teams
The Wellesley Hills Group at Morgan Stanley ranked #46 for Best-In-State Wealth Management Teams for 2025. Forbes/SHOOK Best-In-State Wealth Management Teams list features groups of experienced wealth managers with a proven track records of success according to SHOOK Research, which uses quantitative and qualitative data to rank teams.
Click Here To View This Award>
CFP® – Certified Financial Planner™: Arnold Servais & Jack Hoehlein
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated extensive knowledge in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning strategies. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
CIMA® – Certified Investment Management Analyst® : Scott Brody
Certified Investment Management Analyst® (CIMA®) certification is one of the peak international, technical portfolio construction programs for investment consultants, analysts, financial advisors and wealth management professionals. CIMA® certification continues to be one of the highest level of advanced investment education programs for client-facing advisors.
CRPC® – Chartered Retirement Planning Counselor™: Arnold Servais & Jack Hoehlein
The Chartered Retirement Planning Counselor helps financial advisors by guiding them through distinctive tax and estate objectives and strategies for a retiree and presents the financial and emotional aspects of financial planning. In short, the program helps advisors define a “road map to retirement,” enabling them to focus on the pre- and post-retirement needs of their clients.
Online Tools and Features Available to You
Our 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:
Morgan Stanley Online (MSO)
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register For Morgan Stanley Online Today
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
Discover More With Our Mobile App
Portfolio Risk Platform
Portfolio Risk Platform is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn More About the Portfolio Risk Platform
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
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
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Enroll in E-Authorization
Thoughts On the Market Podcast
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.
Listen Here
2025 Tax Tables
Please view the following attachment to find the 2025 federal tax tables.
2025 Tax Tables
2024 IRA Contribution Deadline
Please view the following attachment for a comprehensive guide on Traditional vs. Roth IRA contributions and deadlines, including the April 15, 2025 IRA contribution deadline.
2024 IRA Contribution Deadline
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanleys spending and budgeting tool. This tool helps advisors monitor client cash flows across internal and external accounts. It also tracks spending patterns and produces and income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Click Here to Learn MoreLocation
112 Worcester Street
Wellesley, MA 02481
US
Direct:
(781) 416-2412(781) 416-2412
Meet The Wellesley Hills Group
Arnold Servais, CFP®, CRPC®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Senior Investment Management Consultant
Phone:
(781) 263-6830(781) 263-6830
Jack Hoehlein, CFP®, CRPC®
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(781) 263-6832(781) 263-6832
Phone:
(781) 431-6736(781) 431-6736
Kristen Andrews-Nicholas
Sr. Registered Client Service Associate
Phone:
(781) 263-6833(781) 263-6833
Elizabeth Olney
Wealth Management Associate
Phone:
(781) 416-2412(781) 416-2412
About Scott Brody
Scott is the leader of The Wellesley Hills Group and oversees the practice’s core disciplines including Wealth Planning, Investment Management, and Client Service and Administration. With over 20 years of experience in Finance and Business, Scott fully understands that providing important advice and exceptional client service is dependent on a cohesive, multi-disciplinary approach along with dedication and hard-work. Scott holds the Certified Investment Management Analyst® certification, administered by the Investment Management Consultants Association® and taught in conjunction with the Yale School of Management. He earned his undergraduate degree from the Isenberg School of Management at the University of Massachusetts in Amherst and his Master’s in Business Administration from the Wallace E. Carroll Graduate School of Management at Boston College. Scott is a 2014-2025 recipient of Boston Magazine’s Five Star Wealth Manager Award and was named to the 2025 Century Club. Scott is a long-time resident of Sharon with his wife and two children and enjoys golf, pickleball, and spending time with his family.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
2014-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2025) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
2014-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2025) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: ME, NJ, TX, PA, WA, VT, VA, TN, SC, RI, OR, OH, NY, NH, NC, MI, MD, MA, GA, DC, CT, CO, CA, FL, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1331987
NMLS#: 1331987
About Arnold Servais
Arnie is a founding member of The Wellesley Hills Group. He has been a Financial Advisor for over 40 years and has earned the designation of Certified Financial Planner and Chartered Retirement Planning Counselor. Financial planning and equity portfolio analysis are his focus areas. He earned his Bachelor of Arts from Harvard College and continued with MBA graduate training at Boston College. Arnie has resided in Newton for the last 45 years with his wife. They have three grown children and five grandchildren. In his free time, you will find Arnie singing and playing his guitar in multiple performing music groups, running, weight training and reading.
Securities Agent: WA, CO, CA, CT, DC, FL, GA, HI, ID, MA, MD, ME, MI, NC, NE, NH, NJ, NY, OH, OR, PA, SC, TX, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 38167
NMLS#: 38167
About Jack Hoehlein
Jack is a Partner and Head of Wealth Planning for The Wellesley Hills Group. Jack brings a diverse corporate and entrepreneurial business background and discipline to the Wellesley Hills Group with a focus on financial planning, retirement and cash flow strategies for high net worth families and executives. He has earned the designation of CERTIFIED FINANCIAL PLANNER™ and Chartered Retirement Planning Counselor. He earned his Bachelor of Arts from St. John’s University in New York. Jack and his wife reside in Framingham and have four grown children. His free time is spent golfing or working with Big Brothers Big Sisters of Central MA along with participation in many other non-profit organizations.
Securities Agent: CO, DC, FL, GA, MA, MD, ME, MI, NC, NH, NJ, NV, NY, OH, OR, PA, SC, TX, VA, WA, CA, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288105
NMLS#: 1288105
About Alexandria Hutchinson
Alexandria joined The Wellesley Hills Group in 2024 as a Financial Advisor. She began her career in Financial Services in 2000 and joined Morgan Stanley in 2012. Prior to joining the team, she was a Senior Private Banker and First Vice President while also leading as Co-Chair of the National Private Banking Group Counsel. In addition she served as an Ultra High Net Worth Sales Specialist for a number of years at Morgan Stanley. Prior to joining the firm, she was a Relationship Manager at First Republic. She also served as a Private Banker at TD Bank, as well as a Premier Client Manager at Bank of America.
Alexandria is a graduate of Southern New Hampshire University, where she
received a Bachelor of Science in Marketing. She holds a Graduate
Certificate in Financial Management from the University of California,
Berkeley/New England College of Business.
Outside of the office, Alexandria donates her time to the local school system
in her hometown, as well as other various organizations. She enjoys
spending time with her family, traveling and is an avid runner.
Alexandria is a graduate of Southern New Hampshire University, where she
received a Bachelor of Science in Marketing. She holds a Graduate
Certificate in Financial Management from the University of California,
Berkeley/New England College of Business.
Outside of the office, Alexandria donates her time to the local school system
in her hometown, as well as other various organizations. She enjoys
spending time with her family, traveling and is an avid runner.
Securities Agent: CT, FL, VT, SC, ME, MA, CO, VA, TN, AR, AK, WY, VI, UT, PR, NV, NE, MD, IL, AZ, WI, CA, WA, PA, HI, GA, DE, DC, NJ, MS, MN, KY, IA, AL, TX, RI, NM, ND, NC, LA, KS, ID, SD, OK, NH, MO, MI, IN, WV, OR, OH, NY, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 487254
NMLS#: 487254
About Kristen Andrews-Nicholas
Kristen has over 15 years of experience in the financial services industry, including the past 10 years as an integral part of The Wellesley Hills Group. Kristen runs all administrative aspects of the investment trading and services. Her specialty is account management and close one-on-one relationship building with clients. When Kristen is not in the office you would most likely hear she's traveling some place warm or inside her Cross Fit gym trying to break personal records. Kristen believes in the work hard, play hard philosophy
About Elizabeth Olney
Beth is a Wealth Management Associate for The Wellesley Hills Group. Beth began her career as an assistant to financial advisors more than 20 years ago at Paine Webber. After spending time assisting other advisors, she became an Associate Financial Advisor and Relationship Officer at Fidelity Investments where she learned all aspects of brokerage services and trading as well as client relationship management. At the end of 2001, Beth took time to raise her two wonderful boys and has been back in Financial Services since 2012. As an integral part of the Team, Beth ensures clients' requests are met promptly and efficiently. She runs all elements of account administration including daily review of cash coming into and going out of client accounts as well as preparing paperwork, assembling investment reviews and fixing administrative problems. Beth graduated from the University of Vermont where she majored in Political Science and minored in Economics. A nascent birdwatcher and amateur archaeologist, she enjoys reading, walks with her dog and spending time with her family and raising her two boys
Contact Scott Brody
Contact Arnold Servais
Contact Jack Hoehlein
Contact Alexandria Hutchinson
Wealth Management
From Our Team
Global Investment Committee Weekly
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Hills 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan 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.
4The 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.
5When 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.
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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan 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.
4The 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.
5When 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.
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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
