Phone:
(508) 870-7025(508) 870-7025
The Wetzel Group at Morgan Stanley
Direct:
(508) 870-7025(508) 870-7025
Toll-Free:
(888) 827-2901(888) 827-2901
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Managing Wealth, Making a Difference
At The Wetzel Group at Morgan Stanley, we care deeply about the work we do as your wealth management team. At the heart of our practice is a determination to help you do more than just beat a performance benchmark. We believe it is our responsibility to align your finances with your overall mission, using appropriate strategies and disciplines to help achieve your specific goals. If done properly, we feel individuals and institutions today do not have to give up performance to invest with purpose.
As passionate advocates for sustainability and philanthropy, we are proud to align ourselves with Morgan Stanley, a firm deeply committed to the same mission-based principles in which we believe. Morgan Stanley has devoted significant resources to these important efforts and is a recognized leader in the Impact Investing arena. Over the years, we have developed the skills to help determine the best strategies to pursue your inherent values without potentaslly sacrificing performance. We understand the importance you place on responsible investing as part of your greater mission. In fact, Morgan Stanley has built an "open architecture" platform that enables us to work with investment managers who can screen for certain securities and introduce investments that correlate to your mission. We are seasoned financial advisors who come to work every day engaged in making a real difference in the lives of our clients. We believe you will not find a team of professionals more committed to helping you achieve your personal financial goals. We are committed to helping you preserve and build your wealth and will work to help strengthen your financial security for generations to come.
The 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.
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- Asset Management
- Cash ManagementFootnote2
- Endowments and FoundationsFootnote3
- Executive Financial ServicesFootnote4
- Financial PlanningFootnote5
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- Planning for Education FundingFootnote8
- Professional Portfolio ManagementFootnote9
- Retirement PlanningFootnote10
- Wealth ManagementFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
PLANNING FOR YOUR FAMILY'S FINANCIAL NEEDS
Estate Planning Brochure
You have worked long and hard to achieve success and build wealth for you and your family. There have been numerous challenges along the way. You may be at a point now where your greatest challenge is preserving your wealth and building a plan for its transition to those you choose in a way you choose.
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
Wealth Education
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is especially important with adult children, no matter their age. It's not always easy, but starting the conversation is a key step in long-term wealth planning.
Signature Access
A broad range of specialty services are available to enrich and enhance the health, safety, comfort, and interests of affluent families, from private aviation, personal security, art advisory, and household staffing, to private health advisory services and advisory services for single family offices.
Wealth and Estate Planning Video Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Client Center
As a client of Morgan Stanley, you have access to a wide array of digital tools designed to enhance every aspect of your financial life. Here are a few of the technologies we offer to our clients:
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Total Wealth View
With Total Wealth View, you can conveniently view your accounts from other financial institutions on Morgan Stanley Online or Mobile App, giving you a more complete financial picture.
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.
LifeView Financial Plan
Morgan Stanley's LifeView® Financial Planning tool helps clients create a personalized strategy around long-term goals. To begin your complementary financial planning analysis, please click the link below.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
CashPlus
Access your cash from banks or tellers that accept Mastercard® and manage your cash on the go with Morgan Stanley Online and the Morgan Stanley Mobile App.
Experian Identity and Credit Protection
Get peace of mind and help protect what you've worked so hard to earn by enrolling in Morgan Stanley Identity and Credit Protection from Experian. Provided by Experian®, a global leader in identity security, Morgan Stanley Identity and Credit Protection from Experian offers a robust suite of premium monitoring and identity services to help safeguard your personal information.
Our Core Values
Our practice is focused on helping you make informed, confident decisions on your most important financial concerns. Our ultimate goal is to empower you to spend more time doing those things that matter most to you, knowing we are working hard to help ensure your continued prosperity.
We believe the best relationships are built on trust, understanding and shared values. We also believe a disciplined investment philosophy and process are critical to achieving your goals. To that end, we are committed to providing the following core values that serve as the foundation of our practice:
A Deep Passion for Helping Others
We are dedicated to building deep and longstanding relationships, based on trust and integrity. We do this by working with a select group of individuals, families, foundations and endowments. We guide them through each challenge by maintaining a close relationship, and by providing the experience and strategies to help keep them on course to achieving their specific financial goals.
A Team Approach
We believe you are entitled to the best advice possible. As a result, we have assembled a group of highly skilled professionals whose priority is you. As your wealth managers, we review your complete financial picture and help identify any gaps. When appropriate, we consult with key specialists to evaluate your unique challenges and devise specific recommendations.
Investing with Impact
Our platform offers a thoughtful approach for those seeking to invest more deliberately towards social and environmental improvement without sacrificing financial performance potential. It represents an important component of our strategic thinking, setting us apart from traditional advisors.
Concierge Service
Our clients believe in building a longstanding relationship with their wealth management team. They have grown to depend on our "high touch" service model. Above all, they appreciate our true passion for finding solutions to their specific life challenges
CFP® – Certified Financial Planner™ (Robert Wetzel and Weliton Sousa)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. 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® (Robert Wetzel)
CIMA® certification is the peak international, technical portfolio construction certification program designed for investment consultants, researchers, advisors and wealth management professionals. The CIMA certification signifies that an individual has met initial and ongoing experience, ethical, education, and examination requirements for investment management consulting, including advanced investment management theory and application.
2023, 2024 & 2025 Forbes Best-In-State Wealth Management Team
The Wetzel Group is pleased to share that we have once again been included in the Forbes Best-In-State Wealth Management team ranking. Selection for this list is based on comprehensive criteria, including firm nomination, industry experience and best practices.
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Location
1 Technology Dr
Westborough, MA 01581
US
Direct:
(508) 870-7025(508) 870-7025
Toll-Free:
(888) 827-2901(888) 827-2901
Meet The Wetzel Group
Robert Wetzel, CFP®, CIMA®
Vice President, Wealth Management, Financial Advisor
Phone:
(508) 870-7041(508) 870-7041
Weliton Sousa, CFP®
Financial Advisor, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER®, Workplace Advisor - Equity Compensation
Phone:
(508) 870-7043(508) 870-7043
Robert Carlson Jr.
Wealth Management Associate
Phone:
(508) 870-7026(508) 870-7026
Debbie Crossman
Senior Client Service Associate, Branch Manager Assistant
Phone:
(508) 870-7027(508) 870-7027
Isabel Lopes
Senior Registered Associate
Phone:
(508) 870-7013(508) 870-7013
About Todd Wetzel
Todd is the founding member of The Wetzel Group at Morgan Stanley. For 30 plus years, he has earned a reputation for providing highly customized advice and investment strategies to financially successful individuals, multi-generational families and nonprofits in Boston and the surrounding areas. He listens carefully to his clients’ goals, values and concerns and works tirelessly to make a difference by providing comprehensive wealth management services with passion and integrity.
Todd grew up in a household focused on finance, as his father was a stockbroker. He learned firsthand the power of investing when he purchased his first share of stock. As he watched the stock value rise and fall, he became focused on how changes in the economy made an impact on his investment. This experience inspired Todd to follow in his father’s footsteps, pursuing a career where he could help individuals navigate the complex global markets, while striving to make a profound impact on the quality of their lives.
After earning his B.A. degree in Psychology from Middlebury College, Todd became a Financial Advisor at Smith Barney, a predecessor firm of Morgan Stanley. Today, as a Producing Branch Manager, Todd splits his time as the lead Financial Advisor for the Wetzel Group and managing a team of 20 financial advisors at Morgan Stanley’s Westborough Branch.
Todd’s passion for helping his clients is equaled only by his dedication to his family and community. A strong believer in giving back, Todd has served on various boards in Worcester over the past three decades, including the American Red Cross, the United Way of Central Massachusetts, Clark University, the Bancroft School, the YMCA, YOU Inc., Worcester Children’s Friend Society, Worcester Research Bureau, and Worcester Development Corp. Todd is a current member of the Francis Ouimet Fund and past president of the Francis Ouimet Society and the Tatnuck Country Club. He is also a long time member of the Worcester Country Club.
Born and raised in Worcester, Todd’s proudest investments are each of his seven children. His 5 sons have graduated college and his daughter, Katherine currently attends Connecticut College. His other daughter, Emma resides with him at his home in Wayland MA. His hobbies include golf, tennis and spending time at the ocean, especially on the island of Nantucket.
Todd grew up in a household focused on finance, as his father was a stockbroker. He learned firsthand the power of investing when he purchased his first share of stock. As he watched the stock value rise and fall, he became focused on how changes in the economy made an impact on his investment. This experience inspired Todd to follow in his father’s footsteps, pursuing a career where he could help individuals navigate the complex global markets, while striving to make a profound impact on the quality of their lives.
After earning his B.A. degree in Psychology from Middlebury College, Todd became a Financial Advisor at Smith Barney, a predecessor firm of Morgan Stanley. Today, as a Producing Branch Manager, Todd splits his time as the lead Financial Advisor for the Wetzel Group and managing a team of 20 financial advisors at Morgan Stanley’s Westborough Branch.
Todd’s passion for helping his clients is equaled only by his dedication to his family and community. A strong believer in giving back, Todd has served on various boards in Worcester over the past three decades, including the American Red Cross, the United Way of Central Massachusetts, Clark University, the Bancroft School, the YMCA, YOU Inc., Worcester Children’s Friend Society, Worcester Research Bureau, and Worcester Development Corp. Todd is a current member of the Francis Ouimet Fund and past president of the Francis Ouimet Society and the Tatnuck Country Club. He is also a long time member of the Worcester Country Club.
Born and raised in Worcester, Todd’s proudest investments are each of his seven children. His 5 sons have graduated college and his daughter, Katherine currently attends Connecticut College. His other daughter, Emma resides with him at his home in Wayland MA. His hobbies include golf, tennis and spending time at the ocean, especially on the island of Nantucket.
Securities Agent: ND, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 31531
NMLS#: 31531
About Robert Wetzel
Rob Joined The Wetzel Group at Morgan Stanley in 2021. He joins the team as a third generation Wetzel, a family whose ties to the Wealth Management industry go back to the early 1960s. Before joining Morgan Stanley, Rob spent 4 years working for Eaton Vance and Columbia Threadneedle Investments, two of the top asset managers in Boston. While at Columbia, Rob earned his CERTIFIED FIANCIAL PLANNING™ and Certified Investment Management Analyst® certifications. CFP® and CIMA® professionals are required to complete extensive training while being held to the highest ethical standards in the industry. Rob graduated Trinity College in 2017 with a B.A. in Economics.
Rob currently resides in Boston’s Back Bay, but can often be found enjoying his free time on Cape Cod. He enjoys live music, golfing, biking, fishing and traveling.
Rob currently resides in Boston’s Back Bay, but can often be found enjoying his free time on Cape Cod. He enjoys live music, golfing, biking, fishing and traveling.
Securities Agent: WI, RI, NY, FL, VA, CT, TX, MD, NC, ME, MA, CA, SC, IL, NH, CO, WY, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 2126082
NMLS#: 2126082
About Weliton Sousa
Weliton joined Morgan Stanley in 2021 as a Wealth Advisory Associate, having previously served on the mutual fund desk at Putnam Investments. He holds the Financial Planning Specialist designation as well as the CERTIFIED FIANCIAL PLANNING™ certification, holding himself to the highest ethical standards in the industry. Weliton’s analysis and planning skills help him integrate insurance, investments, estate planning and all other aspects of financial life into a single, overarching strategy.
Fluent in both English and Portuguese, Weliton was also honored with The Myra Kraft scholarship, which he used to earn a B.A. in Economics from Bates College.
Weliton is a graduate of the Ron Burton Training Village, a non-profit and yearlong program that helps teens and young adults prepare for success in life – he continues to support the organization in many ways. He currently lives in Holliston, MA, with his fiancé Mariane Sousa, where he enjoys playing soccer, spending time with his family, and traveling to discover other cultures and cuisines.
Fluent in both English and Portuguese, Weliton was also honored with The Myra Kraft scholarship, which he used to earn a B.A. in Economics from Bates College.
Weliton is a graduate of the Ron Burton Training Village, a non-profit and yearlong program that helps teens and young adults prepare for success in life – he continues to support the organization in many ways. He currently lives in Holliston, MA, with his fiancé Mariane Sousa, where he enjoys playing soccer, spending time with his family, and traveling to discover other cultures and cuisines.
Securities Agent: DC, VT, OR, MD, RI, PA, ME, FL, AZ, SC, OH, VA, NM, WV, TN, NH, DE, WI, MA, CO, TX, NY, NC, MI, IL, WY, CT, CA, NV, WA, UT, NJ, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 2326402
NMLS#: 2326402
About Robert Carlson Jr.
Drawing on more than 25 years of industry experience, Rob is highly adept at answering client questions quickly and efficiently. Dedicated to providing excellent service, Rob not only knows how to help meet each client's specific needs, he knows how to anticipate them as well. His patience and industry knowledge help provide clients with confidence in addressing their financial decisions.A graduate of New England School of Accounting, Rob joined Merrill Lynch in 1991, where he held a number of roles including wire operator, assistant operations manager and sales assistant. He joined Smith Barney, a predecessor brand of Morgan Stanley, in 1996 as a Financial Advisor, and has been a vital member of The Wetzel Group at Morgan Stanley ever since.As a Wealth Management Associate, Rob works directly with clients to address their specific financial needs and serves on the Group's investment committee. Rob holds the Series 7, 31, 63 and 65 FINRA registrations, enabling him to process unsolicited trades in addition to handling a variety of requests for clients, including portfolio construction and oversight, as well as estate planning strategies.Originally from West Boylston, Rob currently lives in Gilbertville with Kim, his wife of 28 years. They have two grown children and a newborn grandson. When he's not assisting clients, Rob enjoys spending quality time with family and friends, fishing and an occasion round of golf.
About Debbie Crossman
Debbie Crossman has more than 30 years of financial services experience. As a Senior Client Service Associate and Branch Manager Assistant at The Wetzel Group, she is responsible for a wide array of client and branch operational activities, including opening client accounts, overseeing wire transfers, and organizing client seminars and is known as the go to person by her co-workers. Debbie is a consummate professional and is committed to identifying service solutions to deepen client relationships and ensure an excellent client experience. Debbie began her career with PaineWebber (now UBS) in 1991, where she held several important roles, including sales assistant, branch technical liaison and branch administrator. She joined Todd Wetzel at Smith Barney in 1997 and has been an integral member of his team ever since, moving with him to Morgan Stanley in 2001. Later that year, Debbie was diagnosed with Multiple Sclerosis (MS) and soon became an active member of the National Multiple Sclerosis Society, participating in many fundraising events. To date, Debbie has raised over $75,000 towards research efforts to end the progression of this sometimes-debilitating disease. Debbie resides in Weymouth with her husband Michael and rescue dog Cassie and has two children; Alex who resides in Hollis, Maine with his wife Megan and Taylor who resides in St. Petersburg, FL. In her free time, she enjoys sailing, traveling, bike riding and visiting her children. Two of her favorite vacation destinations are chartering a sailboat & sailing throughout the British Virgin Islands & visiting Keys in Florida.
About Isabel Lopes
Serving high net worth individuals, families and nonprofit organizations since 1996, Isabel is a Senior Registered Associate and Branch Manager Assistant of The Wetzel Group. Often the first line of contact on a broad array of client-specific services, Isabel is committed to providing each client with caring and personalized attention. Her exceptional interpersonal skills make her the go to professional to solve problems and helps to ensure clients enjoy a positive experience with every interaction. Through ongoing outreach and communication, Isabel leads a number of important aspects of the Group's business management and client servicing activities, helping gain a deeper understanding of each client's set of priorities. As a Senior Registered Associate with her Series 7 and 66 securities licenses, she is able to execute trades on behalf of the Financial Advisors on the team. Over the course of her career, Isabel has had the opportunity to work in a variety of client service roles. Prior to joining The Wetzel Group at Morgan Stanley in 2008, she worked as a team leader of Q & A at Aetna Insurance in Connecticut, a wire operator and Sales Associate at PaineWebber in Florida, and a registered client service associate at UBS in Boston. She maintains her Series 7 and 66 FINRA registrations and is a Notary to the Commonwealth of Massachusetts. Isabel currently lives with Michael and their dog Sal in Pomfret, CT. She is the President of The Friends of the Jacob Edwards Library Group where she is also an active volunteer. In her free time, Isabel enjoys gourmet cooking, traveling and creating works of art.
Contact Todd Wetzel
Contact Robert Wetzel
Contact Weliton Sousa
Wealth Management
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Portfolio Insights
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Donor Advised Funds: A Smart Way to Manage Your Giving
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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
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- Retirement plan participants
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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 Wetzel 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.
1Alternative 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.
2Morgan 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
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9Morgan 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.
10When 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.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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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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*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
1Alternative 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.
2Morgan 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
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9Morgan 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.
10When 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.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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Awards Disclosures
CRC 6491812 (04/2024)
