Paul Sheeks III, CFP®
Senior Vice President, Financial Advisor, Branch Manager
Phone:
(234) 380-4816(234) 380-4816
The Western Reserve Group at Morgan Stanley
Direct:
(234) 380-4802(234) 380-4802
Toll-Free:
(877) 466-9708(877) 466-9708
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Us
The Western Reserve Group at Morgan Stanley is a multi-generational financial planning and investment team committed to providing you and those most important to you with our decades-long experience navigating the financial markets, combined with the vast resources of Morgan Stanley. Our processed-based approach is designed to assist families, business owners and professionals strive towards their life-long financial goals and aspirations. We will work in tandem with the other professionals in your life – CPA’s, attorneys, etc. – to help design and implement a financial plan that is unique to you. Each of our 4 advisors brings their own areas of expertise and skill sets to the table. Ranging in ages from 30 to 60, we offer over 100 years of combined industry experience to our clients. From money management and financial planning strategies to insurance reviews, banking/lending and beyond, we would welcome the opportunity to be of service.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Diversification and Asset Allocation does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Diversification and Asset Allocation does not guarantee a profit or protect against loss in a declining financial market.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Valued Clients
We enjoy helping our clients meet their goals by guiding them through the financial planning process. Below are some of the types of clients we have dedicated our career to servicing. If this sounds like you, please reach out to us for a financial consultation. We would be glad to help!
• Business Owners and Entrepreneurs
• Young Professionals and Corporate Executives
• Non Profits and Foundations
• Young Families in need of retirement and education planning
• Pre-retirees striving to preserve and grow their wealth
• Individuals experiencing a significant life event such as a job change, divorce, loss of a spouse, or a large inheritance
• Young Professionals and Corporate Executives
• Non Profits and Foundations
• Young Families in need of retirement and education planning
• Pre-retirees striving to preserve and grow their wealth
• Individuals experiencing a significant life event such as a job change, divorce, loss of a spouse, or a large inheritance
A Disciplined Process Focused on You
At the Western Reserve Group, we believe that charting a clear course to financial success begins with understanding your values, priorities, and aspirations. Together, we will define what is most important to you and your family and then develop the strategies to help get you there. Through each step, we will provide objective advice and investment insights to construct a plan that is personalized to your needs and goals.
Step 1: Get to Know Each Other
• Listen carefully to understand what is important to you, your family, and your legacy
• Identify circumstances unique to your personal situation
• Discuss important investment concepts and provide details on our investment philosophy
• Identify circumstances unique to your personal situation
• Discuss important investment concepts and provide details on our investment philosophy
Step 2: Assess Your Finances
• Gather important data, documents, and financial statements
• Review the information collected to insure the data is accurate
• Analyze your current investment and cash management strategies
• Review the information collected to insure the data is accurate
• Analyze your current investment and cash management strategies
Step 3: Develop Your Plan
• Develop your personalized plan using proprietary tools and insights from Morgan Stanley
• Integrate any alternative investments into your overall strategy where appropriate
• Incorporate insurance and estate planning strategies
• Present our recommendations along with key action steps
• Coordinate strategies with your CPA and estate attorney if applicable
• Integrate any alternative investments into your overall strategy where appropriate
• Incorporate insurance and estate planning strategies
• Present our recommendations along with key action steps
• Coordinate strategies with your CPA and estate attorney if applicable
Step 4: Implement
• Prioritize activities and establish timelines
• Set up tools to provide convenient access to your accounts
• Prepare and complete necessary paperwork
• Provide ongoing updates to ensure your plan is implemented as expected
• Set up tools to provide convenient access to your accounts
• Prepare and complete necessary paperwork
• Provide ongoing updates to ensure your plan is implemented as expected
Step 5: Deliver Ongoing Service
• Schedule regular calls and meetings to monitor progress towards your goals
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
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36 East Streetsboro St
Hudson, OH 44236
US
Direct:
(234) 380-4802(234) 380-4802
Toll-Free:
(877) 466-9708(877) 466-9708
Meet The Western Reserve Group
Gregory Michael Christopher
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(216) 360-8636(216) 360-8636
Senior Vice President, Financial Advisor, Senior Investment Management Consultant, Financial Planning Specialist, Insurance Planning Director
Phone:
(234) 380-4829(234) 380-4829
Alyssa Pinney
Financial Advisor
Phone:
(234) 380-4810(234) 380-4810
Elena McMichael
Registered Client Service Associate
Phone:
(234) 380-4802(234) 380-4802
Karla Frascarelli
Portfolio Associate
Phone:
(216) 292-9055(216) 292-9055
About Paul Sheeks III
Paul P. Sheeks, CFP
Senior Vice President
Financial Advisor
Branch Manager/Hudson, OH
An experienced investment professional since 1986, Paul works with his clients to bring clarity and understanding to the complexities of their financial situations. As a Certified Financial Planner ™, Paul is obligated to serve his clients' best interests as he assists them in the development of comprehensive, multi-generational financial plans in pursuit of life goals. Additionally, Paul has served in several financial industry management capacities over the years, including his current position as Senior Vice President and Branch Manager of the Morgan Stanley Wealth Management office in Hudson, OH.
A native of Akron, Ohio, Paul resides in Silver Lake, OH with his wife, Laura and dog, Oscar. While attaining a B.S. in Finance and a Certificate in Economics from the University of Cincinnati – Go Bearcats! – Paul early on found his career interests to be centered on financial planning and investing when he first became a financial advisor at Prudential-Bache securities in 1986. Additionally, giving back to his community has always been a lifelong priority - whether coaching youth baseball and soccer, or past charitable endeavors including Chairman of the Holy Family Parish Church Burse Advisory, Board Member/Finance Chairman of the Cleveland arm of the National Kidney Foundation, and two-term President of Silver Lake Country Club. When away from the office, Paul loves spending time with his three adorable grandchildren, travel, RVing and photography.
Senior Vice President
Financial Advisor
Branch Manager/Hudson, OH
An experienced investment professional since 1986, Paul works with his clients to bring clarity and understanding to the complexities of their financial situations. As a Certified Financial Planner ™, Paul is obligated to serve his clients' best interests as he assists them in the development of comprehensive, multi-generational financial plans in pursuit of life goals. Additionally, Paul has served in several financial industry management capacities over the years, including his current position as Senior Vice President and Branch Manager of the Morgan Stanley Wealth Management office in Hudson, OH.
A native of Akron, Ohio, Paul resides in Silver Lake, OH with his wife, Laura and dog, Oscar. While attaining a B.S. in Finance and a Certificate in Economics from the University of Cincinnati – Go Bearcats! – Paul early on found his career interests to be centered on financial planning and investing when he first became a financial advisor at Prudential-Bache securities in 1986. Additionally, giving back to his community has always been a lifelong priority - whether coaching youth baseball and soccer, or past charitable endeavors including Chairman of the Holy Family Parish Church Burse Advisory, Board Member/Finance Chairman of the Cleveland arm of the National Kidney Foundation, and two-term President of Silver Lake Country Club. When away from the office, Paul loves spending time with his three adorable grandchildren, travel, RVing and photography.
Securities Agent: MD, NH, VI, NJ, WV, ID, KS, ME, OK, VT, IL, MA, RI, TX, OH, WI, MS, WY, WA, VA, UT, TN, SD, SC, PR, PA, OR, NY, NV, NM, NE, ND, NC, MT, MO, MN, MI, LA, KY, IN, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2105006
NMLS#: 2105006
About Gregory Michael Christopher
Greg began his career at Merrill Lynch in 1995 after graduating from Miami University in Oxford, Ohio with a BS in Business Administration with a focus in Finance and Human Resource Management. As a Financial Advisor, he advises small companies and individuals on creating their goals and objectives in helping them accomplish the short and long-term goals. Also at Merrill Lynch, he was not only a Financial Advisor but also was a National Trainer, where he would frequently travel to Princeton, New Jersey to train newly hired Financial Advisors.
In addition to being a Financial Advisor, Greg has been a Varsity Baseball Coach at Gilmour Academy for the past 10 years where he graduated in 1991. He has been working with catchers on all levels since he has been there.
Greg and his wife Missy live in Twinsburg with their three grown boys Nick, Matt and Ben. Greg also enjoys traveling, running, playing golf, playing and taking walks with his Olde English Bulldog MacGregor.
In addition to being a Financial Advisor, Greg has been a Varsity Baseball Coach at Gilmour Academy for the past 10 years where he graduated in 1991. He has been working with catchers on all levels since he has been there.
Greg and his wife Missy live in Twinsburg with their three grown boys Nick, Matt and Ben. Greg also enjoys traveling, running, playing golf, playing and taking walks with his Olde English Bulldog MacGregor.
Securities Agent: AZ, MA, WI, MN, IN, IA, FL, DE, CA, TN, MI, KY, GA, MO, ME, MD, DC, VA, PA, NY, NJ, NC, CO, TX, IL, CT, AL, MT, OH, UT, SC, NV, LA, WA, WY, WV, OR, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278942
NMLS#: 1278942
About Kyle Langerman
Since joining Smith Barney, now Morgan Stanley, in 2005, Kyle has focused on using his keen insight into building effective relationships to determine personalized financial plans and strategic asset allocation for clients based on their personal and professional investment goals. Kyle helps guide clients toward achieving those goals by the selection of investment strategies based on sound principles of risk and reward. These plans often include portfolio management with detailed retirement income solutions, saving for educational expenses, and legacy planning. Kyle continues to expand his knowledge and investment management capabilities through an ongoing series of courses in Asset Management, Analysis, and Performance Management.
Away from the office, Kyle enjoys spending time with his beautiful wife, Alyssa, and two active sons, Kaden and Carson. His passion for traveling has led to many amazing hiking trails, relaxing beach vacations and unique photography opportunities. A passionate sports fan, Kyle coaches his sons’ basketball teams through the CYO program at their school and closely follows college football.
Born and raised in Ohio, Kyle received a Bachelor of Arts degree from Miami University. When he wasn’t hitting the books, he sold educational products door-to-door for the Southwestern Company and provided sales training to his team, including many useful methods of easing into a new situation, and making a potential client feel comfortable and heard. Kyle remains a member of the Miami University’s Alumni Association and continues to be a Farm Bureau member after growing up on a farm in southeastern Ohio.
Away from the office, Kyle enjoys spending time with his beautiful wife, Alyssa, and two active sons, Kaden and Carson. His passion for traveling has led to many amazing hiking trails, relaxing beach vacations and unique photography opportunities. A passionate sports fan, Kyle coaches his sons’ basketball teams through the CYO program at their school and closely follows college football.
Born and raised in Ohio, Kyle received a Bachelor of Arts degree from Miami University. When he wasn’t hitting the books, he sold educational products door-to-door for the Southwestern Company and provided sales training to his team, including many useful methods of easing into a new situation, and making a potential client feel comfortable and heard. Kyle remains a member of the Miami University’s Alumni Association and continues to be a Farm Bureau member after growing up on a farm in southeastern Ohio.
Securities Agent: CO, MT, SC, NY, MI, IN, AZ, GA, DE, OH, MO, MN, DC, TX, MA, TN, PA, NC, ME, VA, UT, NV, NJ, IA, WA, LA, KY, IL, HI, CA, AL, WY, WV, FL, CT, WI, OR, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1715246
NMLS#: 1715246
About Alyssa Pinney
Alyssa Sheeks-Pinney
Financial Advisor
A financial services professional since 2014, Alyssa joined Morgan Stanley as a Financial Planner and has helped advisors throughout the Northeast Ohio Complex prepare and present holistic financial plans to their clients. In 2016, she joined the Western Reserve Group as a Financial Advisor and continues to focus on comprehensive financial planning and goals-based investing for their clients. Alyssa works closely with each individual to understand their unique financial needs, wants, and wishes, and then creates a customized roadmap in which to help achieve them. She is fully licensed and holds her Series 7 and Series 66, as well as her Financial Planning Specialist certification.
Alyssa graduated from the University of Cincinnati with a B.A. in Communications and minor in Public Relations. She and her husband, Brian, live in her hometown of Akron, OH with their two children, Oliver and Lily. Alyssa is passionate about serving her community and enjoys being an active member of various local organizations. She served for many years on the Cleveland National Kidney Foundation’s Junior Board, and as the Junior League of Akron’s Vice President of Membership. Currently she resides as an Advisor on the Junior League of Akron’s Nominating and Placement Committee. She is also a member of the 2018 Akron Torchbearers class and enjoys working as a bridge between established leadership of the community and future leaders.
Outside of work, she devotes her time to her children and loves spending every possible moment with her family, whether that be simply hanging out at home or exploring local parks and neighborhood spots (like the Akron Zoo and Children’s Museum). She also enjoys running and completed her first half marathon in the Akron FirstEnergy Marathon Series in 2022.
Financial Advisor
A financial services professional since 2014, Alyssa joined Morgan Stanley as a Financial Planner and has helped advisors throughout the Northeast Ohio Complex prepare and present holistic financial plans to their clients. In 2016, she joined the Western Reserve Group as a Financial Advisor and continues to focus on comprehensive financial planning and goals-based investing for their clients. Alyssa works closely with each individual to understand their unique financial needs, wants, and wishes, and then creates a customized roadmap in which to help achieve them. She is fully licensed and holds her Series 7 and Series 66, as well as her Financial Planning Specialist certification.
Alyssa graduated from the University of Cincinnati with a B.A. in Communications and minor in Public Relations. She and her husband, Brian, live in her hometown of Akron, OH with their two children, Oliver and Lily. Alyssa is passionate about serving her community and enjoys being an active member of various local organizations. She served for many years on the Cleveland National Kidney Foundation’s Junior Board, and as the Junior League of Akron’s Vice President of Membership. Currently she resides as an Advisor on the Junior League of Akron’s Nominating and Placement Committee. She is also a member of the 2018 Akron Torchbearers class and enjoys working as a bridge between established leadership of the community and future leaders.
Outside of work, she devotes her time to her children and loves spending every possible moment with her family, whether that be simply hanging out at home or exploring local parks and neighborhood spots (like the Akron Zoo and Children’s Museum). She also enjoys running and completed her first half marathon in the Akron FirstEnergy Marathon Series in 2022.
Securities Agent: IA, MT, SC, NY, MN, ME, NC, CT, AL, OR, WY, WA, TN, GA, FL, AZ, WI, PA, MI, IL, WV, VA, DE, TX, MO, MA, NJ, MD, HI, CO, UT, OH, LA, KY, IN, DC, CA, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2102632
NMLS#: 2102632
About Elena McMichael
An experienced professional in the financial services industry since 1999, Elena strives to deliver the highest level of personalized service to clients in which she serves. She began her career with Merrill Lynch where she held positions as a client service associate, director’s assistant, and branch coach. In 2024, Elena joined the Western Reserve Group at Morgan Stanley where her areas of focus will include: client service and team management. She currently holds her Series 7, 66, 9 and 10 licenses.
A lifelong native of Ohio, Elena attended Akron University and grew up in Cleveland, OH. She currently resides in Walton Hills, OH and has 2 daughters and 2 cats. Elena is currently engaged to her Fiancé Jesse, whom she met while on a mission trip to Uganda. When away from the office, Elena enjoys gardening, volunteer mission work and spending time with her family.
A lifelong native of Ohio, Elena attended Akron University and grew up in Cleveland, OH. She currently resides in Walton Hills, OH and has 2 daughters and 2 cats. Elena is currently engaged to her Fiancé Jesse, whom she met while on a mission trip to Uganda. When away from the office, Elena enjoys gardening, volunteer mission work and spending time with her family.
Contact Paul Sheeks III
Contact Gregory Michael Christopher
Contact Kyle Langerman
Contact Alyssa Pinney
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Tyson Abert
Senior Private Banker
Andrew Ghimpeteanu
Planning Associate
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
About Andrew Ghimpeteanu
Andrew Ghimpeteanu is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Andrew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Bentley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Atlanta, GA and currently resides in Alpharetta, GA.
He earned his undergraduate degree from Bentley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Atlanta, GA and currently resides in Alpharetta, GA.
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Are You Prepared for Tax Day?
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Financial Planning for Life After Selling a Business
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Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Western Reserve Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6When 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6When 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
