Lauren M Bruckhart
Financial Advisor, Financial Planning Specialist
Phone:
(717) 519-3203(717) 519-3203
The White Heron Group at Morgan Stanley
Direct:
(717) 560-5900(717) 560-5900
Toll-Free:
(800) 873-0990(800) 873-0990
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
Welcome
As the White Heron Group at Morgan Stanley, we aim to provide our clients with top retirement planning advice. Your wealth is important to us, and we want to help you achieve your financial goals, as well as maintain your financial independence. With our combined 70+ years of experience, we are able to address issues and make the necessary adjustments to create a wealth management plan specific to you. Countless resources allow us to benefit individual client needs to create a personalized plan for your financial future. Your financial goals will be supported and consistent with the everchanging financial landscape, and we will continue to revise your plan as necessary along the way. As your Financial Advisors, our goal is to give you our utmost determination and precision in managing a portfolio best suited for you, and to support you and your financial decisions. You are unique and so are your financial goals. We make every effort to offer you the finest financial intelligence and personalized client care.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
category of one
The White Heron Group at Morgan Stanley client experience - services and solutions we deliver to our clients.
Retirees
Developing a plan for retirement is essential. Working with an experienced financial advisor can help with making sure you are meeting your personal retirement needs. Retirement planning can be stressful, we are here to make this stressful process as easy as possible.
Financial Planning
Goals are personal, wealth management should be too. Whatever it is you want to achieve, The White Heron Group at Morgan Stanley is here to help. Working with us as your financial advisor team, paired with our technology, is a great way to access advice and build a wealth plan. We will work with you to help you uncover your needs, manage risk, and build a customized plan to help you reach your financial goals.
Women & Wealth
Whether you are a single woman or mother, a divorcee or widow, or a happily married woman in charge of the finances, we want to assist you in education, resources and planning to help you navigate all things financial.
Tax and Estate Planning Strategies
Building, preserving and passing on a legacy involves much more than investing wisely. It requires careful analysis of your objectives, intelligent structuring of your assets and integrated, strategic planning and implementation. The White Heron Group will work with you and a Trust Specialist or other estate planning resources within Morgan Stanley to help you look at the options, and figure which might be the best fit for you.
Multi-generational Families
Our financial planning process for multi-generational families is a rigorous analysis of your lifestyle, tax obligations, future gifting plans and portfolio objectives. This analysis drives our strategy as it pertains to financial and estate planning for wealth preservation, tax optimization, asset allocation and investment decisions. Throughout the entirety of the relationship, we can work closely with your attorneys and accountants.
Business Owners
Here at Morgan Stanley, we understand the unique circumstances that arise from owning your own business. Working with us can help set you and your business up for success by helping to make smart investment decisions that will impact your business in a positive way.
Unique Portfolio Construction
With 70+ years of combined experience, we know that every client is different; therefore, deserves a unique and customized portfolio that will complement their financial needs. By utilizing the firm's resources, current information, and market familiarity, it allows for us to move away from generic models and create the individual plans our clients are accustomed to.
Corporate Retirement Plans
We work with companies to develop and manage their corporate retirement plans. Let us bring our experience and resources to the table to take this burden off of you.
A FINANCIAL PLAN MADE FOR YOU
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. Therefore it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results. The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Aladdin - Intelligent Risk Management
There's a chance your portfolio may be at risk, but how you manage that risk is what matters. Portfolio Risk Platform – Powered by Aladdin 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 both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Morgan Stanley views
At Morgan Stanley, our goal is to simplify complex financial concepts, ensuring that our clients have clear understanding of the strategies implemented to shape their financial future and the rationale behind them. Below, you will find a collection of in-depth analyses on the captivating topics that significantly influence the world of business and finance, not just in the present, but also in the foreseeable future.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you stories about finance, technology, business and more.
Investor Resources
To try and guide investors we have a provided you with a resource hub that includes information on how to handle your finances.
On The Markets Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on various topics such as fixed income, global equities, monetary policy and more.
Global Investment Committee Weekly Research Report
The Global Investment Committee is dedicated to keeping investors updated on the weekly happenings among the business and financial world.
2023 Tax Tables
Access Here
2024 Tax Tables
Access HereUpcoming 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.
CRC4192005 02/2025
Online
Location
300 Granite Run Dr
Ste 300
Lancaster, PA 17601
US
Direct:
(717) 560-5900(717) 560-5900
Toll-Free:
(800) 873-0990(800) 873-0990
Meet The White Heron Group
Richard Conway, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(717) 519-3201(717) 519-3201
Brittany Arentz
Registered Client Service Associate, Financial Planning Specialist
Phone:
(717) 519-3231(717) 519-3231
About Lauren M Bruckhart
Lauren M. Bruckhart, Financial Advisor, joined Morgan Stanley in 2010. Lauren is a Portfolio Manager, part of a group of Morgan Stanley Advisors who are qualified by the firm to manage client assets on a discretionary basis. She has received her designation as a Financial Planning Specialist from Morgan Stanley so she can pursue her passion of helping her clients with their financial goals as well as overseeing their strategic financial plan. She has a personalized approach, thorough planning process and a commitment to outstanding service.
Lauren has twenty years of experience in the financial services industry. Prior to joining Morgan Stanley Lauren was a Senior Associate and Consultant for RINET Company, LLC, a Boston-based firm. There she provided integrated financial, investment, estate and tax planning services to ultra-high net worth clients and families.
Lauren attained her Bachelor of Arts degree in Psychology and Sociology from Bloomsburg University. She also holds a Financial Planning Certificate from Boston University. She is a member of the Woman’s Club of York, involved with Kiwanis, and is a lead fundraising volunteer and advocate for the Alzheimer’s Association of Greater PA. Lauren is involved with Vision Corps, one of the oldest and largest non-profit organizations in PA who help empower the vision impaired.
Lauren and her husband Adam live in Lititz with their son August, daughter Audrey and dog Charlie. She cherishes spending time with her family and enjoys the great outdoors.
Lauren has twenty years of experience in the financial services industry. Prior to joining Morgan Stanley Lauren was a Senior Associate and Consultant for RINET Company, LLC, a Boston-based firm. There she provided integrated financial, investment, estate and tax planning services to ultra-high net worth clients and families.
Lauren attained her Bachelor of Arts degree in Psychology and Sociology from Bloomsburg University. She also holds a Financial Planning Certificate from Boston University. She is a member of the Woman’s Club of York, involved with Kiwanis, and is a lead fundraising volunteer and advocate for the Alzheimer’s Association of Greater PA. Lauren is involved with Vision Corps, one of the oldest and largest non-profit organizations in PA who help empower the vision impaired.
Lauren and her husband Adam live in Lititz with their son August, daughter Audrey and dog Charlie. She cherishes spending time with her family and enjoys the great outdoors.
Securities Agent: FL, MA, MO, DC, OK, MT, MD, NY, NM, DE, CA, UT, SC, PA, CO, VA, RI, NV, NJ, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1431008
NMLS#: 1431008
About Richard Conway
Richard J. Conway is a Financial Advisor, a CERTIFIED FINANCIAL PLANNER, and a Portfolio Manager. For over 45 years, Richard has been employed at Morgan Stanley. He is a native of Philadelphia and a graduate of LaSalle University with a BS in accounting. He served as a pilot in the Air Force and then the PA Air National Guard, retiring with 26 years of military service.
Richard started his investment career in Philadelphia as an analyst in the Trust Department of First Pennsylvania Bank. At the conclusion of his active duty in 1972, Richard joined Shearson Hammill, a predecessor of Morgan Stanley*, and moved to Harrisburg in 1978 to manage that office. In the mid 80’s he became a Portfolio Manager, part of a group of Morgan Stanley advisors who are qualified by the firm to manage client assets on a discretionary basis. A few years later, after completing a two year intensive course he added Certified Financial Planner to his already extensive resume.
After a long and successful career as a manager and Financial Advisor, Richard decided in 2009 to concentrate his considerable experience and talents toward helping a select group of clients develop, implement and follow sensible and comprehensive plans designed with an eye toward helping them secure their financial futures.
Richard, his wife Donna and their two dogs, Max and Missy enjoy dividing their time between their homes in Lewisberry, PA and St. Michael’s, MD. He enjoys spending time with his daughter Christine, son-in-law Christoph and twin granddaughters Anabel and Charlotte.
Richard started his investment career in Philadelphia as an analyst in the Trust Department of First Pennsylvania Bank. At the conclusion of his active duty in 1972, Richard joined Shearson Hammill, a predecessor of Morgan Stanley*, and moved to Harrisburg in 1978 to manage that office. In the mid 80’s he became a Portfolio Manager, part of a group of Morgan Stanley advisors who are qualified by the firm to manage client assets on a discretionary basis. A few years later, after completing a two year intensive course he added Certified Financial Planner to his already extensive resume.
After a long and successful career as a manager and Financial Advisor, Richard decided in 2009 to concentrate his considerable experience and talents toward helping a select group of clients develop, implement and follow sensible and comprehensive plans designed with an eye toward helping them secure their financial futures.
Richard, his wife Donna and their two dogs, Max and Missy enjoy dividing their time between their homes in Lewisberry, PA and St. Michael’s, MD. He enjoys spending time with his daughter Christine, son-in-law Christoph and twin granddaughters Anabel and Charlotte.
Securities Agent: CO, DC, VA, DE, OR, PA, NY, MA, NM, NJ, MT, MD, UT, NC, WA, SC, NV, RI, OK, FL, CA; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Brittany Arentz
Brittany Arentz, better known as Britt, started her career in the financial services industry in 2022 and has since became a Financial Planning Specialist. She went to Kutztown University in Kutztown PA and graduated with a dual degree in Finance and Marketing.
On Brittany’s free time, she likes to travel and find new food/drink places.
On Brittany’s free time, she likes to travel and find new food/drink places.
Contact Lauren M Bruckhart
Contact Richard Conway
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
Brendan Fuller, CFP®
Financial Planning Director, Vice President
Zaven Dadian
Planning Associate
About Brendan Fuller
Brendan Fuller is a Financial Planning Director, VP at Morgan Stanley. In that role, he works directly with Financial Advisors and their valued clients to customize and implement financial plans. Often, this takes the form of illustrating retirement income streams, advising on executive compensation considerations, and coordinating with a client’s team of outside professionals on matters of tax and estate planning. The result is a partnership that helps ensure clients receive the highest quality advice and guidance that Morgan Stanley has to offer.
Prior to his work as a Financial Planning Director, Brendan was the Business Development Manager at the Firm since 2021, where he worked with Financial Advisors to establish efficient business practices and deliver thoughtful care to their clients. Brendan began his career as a Financial Advisor in 2015 at another institution.
He is a CERTIFIED FINANCIAL PLANNER™ professional and holds the additional designation of Chartered Retirement Planning Counselor℠.
Brendan earned his undergraduate degree from Rutgers University and his master’s degree in Personal Financial Planning from the College for Financial Planning. He and his wife live near Allentown, PA with their two children.
Prior to his work as a Financial Planning Director, Brendan was the Business Development Manager at the Firm since 2021, where he worked with Financial Advisors to establish efficient business practices and deliver thoughtful care to their clients. Brendan began his career as a Financial Advisor in 2015 at another institution.
He is a CERTIFIED FINANCIAL PLANNER™ professional and holds the additional designation of Chartered Retirement Planning Counselor℠.
Brendan earned his undergraduate degree from Rutgers University and his master’s degree in Personal Financial Planning from the College for Financial Planning. He and his wife live near Allentown, PA with their two children.
About Zaven Dadian
Zaven Dadian 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. Zaven 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 the University of Michigan and received the Financial Planning Specialist® designation from the College for Financial Planning. Zaven is originally from Birmingham, Michigan and currently resides in New York City.
He earned his undergraduate degree from the University of Michigan and received the Financial Planning Specialist® designation from the College for Financial Planning. Zaven is originally from Birmingham, Michigan and currently resides in New York City.
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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The White Heron 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’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.
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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
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.
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.
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’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.
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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
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.
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.
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)
