Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Senior Investment Management Consultant
Phone:
(415) 955-1527(415) 955-1527
San Francisco Elements Group at Morgan Stanley
Direct:
(415) 955-1527(415) 955-1527
Toll-Free:
(800) 227-5152(800) 227-5152
Our Mission Statement
Every stage of life presents each of us with a financial puzzle which requires discipline, creativity, and knowledge. Let us help prepare you, encourage you and empower you to meet each goal you set along the way.
Our Story
Discover our comprehensive Wealth Management Practice, specializing in retirement and estate planning, generational wealth transfer, education planning, and expert financial guidance. Seamlessly transition into retirement with customized strategies, safeguard your legacy through meticulous estate planning, and master the art of generational wealth transfer. Secure the future by tailoring education plans that empower the next generation. Trust our seasoned advisors to provide insightful, personalized financial advice, guiding you toward a successful financial journey. Embark on a transformative path with us, sculpting your dreams into reality.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Women in Charge
The Elements Group is focused on helping women build wealth. Our practice is led by a woman who has the unique perspective and experience of helping other women for over 35 years with their retirement, estate planning, investments choices, charitable giving, insurance and cash management needs.
Our goal is to be a thoughtful financial advocate and partner for women, by carefully listening and offering personalized advice so that our women clients make the smartest long-term financial decisions.
Our goal is to be a thoughtful financial advocate and partner for women, by carefully listening and offering personalized advice so that our women clients make the smartest long-term financial decisions.
Planning for Your Financial Future
It’s natural to feel overwhelmed by all the life events we need to prepare for.
Feeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
Women and WealthFeeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
Invest For The Future
529 plans are flexible, tax-advantaged investment accounts with benefits beyond paying for education. They offer tax-free growth and withdrawal potential, gifting and estate planning opportunities and a high degree of control and versatility for the account owner.
Leverage these resources to showcase the versatility and benefits of a 529 plan.
Education Planning CenterLeverage these resources to showcase the versatility and benefits of a 529 plan.
Planning for a New Beginning
It is important to evaluate the impact divorce can have on both your personal and financial matters. This article will help you learn how to build a solid financial strategy that may help provide you with greater confidence and flexibility in the future.
Divorce: Planning for a New BeginningOur Approach Working With You
Our clients rely upon our investment guidance, not only for themselves, but for their businesses, the non-profits they work with, as well as other institutional enterprises in which they are involved. They value our advice on issues that may go far beyond investments to include questions relating to wealth transfer, liability management and equity compensation.
Our clients understand that we will only offer advice after discovering who they are as people, not just investors. That means asking the right questions about what they value, what they want their wealth to accomplish and what they believe the challenges may be.
Your goals, hopes and dreams are at the center of our work. That's why we'll plan to meet with you at length when you first begin working with us. We'll ask questions and listen to what you say matters. Once we fully understand your situation, we'll suggest ways to put your money to work.
Working with us, you can expect us to:
- Develop a detailed financial strategy based on your goals.
- Set up a long-term wealth plan.
- Take the emotion out of investing, so you can concentrate on what you enjoy.
- Be flexible. When changes come to your life, or in the market, we'll adjust your financial strategy accordingly.
Some of our work is best coordinated with your other key advisors. If you like, we can connect directly with your:
- Tax specialist
- Trust attorney
- Family office
ONLINE TOOLS AND FEATURES AVAILABLE TO YOU
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, and smart. As a part of our services, these resources are readily available to all of our clients. Learn more about each tool and feature to see how it can easily help you manage and secure your financial journey.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
eDelivery
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.
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Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have the resources of MSO on the go.
Discover More With Our Mobile App
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Watch Video On Spending and Budgeting Tool
Portfolio Risk Platform
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 a holistic view to better enable risk to be effectively monitored and managed.
Watch Video on Portfolio Risk PlatformOur Services to You
The commitment of the San Francisco Elements Group lies in offering guidance to assist you in reaching your financial objectives.
Our aim is to comprehensively grasp your financial situation, enabling us to tailor a proactive wealth strategy that harmonizes your financial matters and investments. Our goal is not just to earn your trust through the high-caliber solutions we offer, but also through the exceptional manner in which we deliver them.
Wealth Management
At Morgan Stanley Wealth Management, exclusive access to vast resources, combined with our unique capabilities, gives us the means to support your goals at every life stage. We provide a range of solutions to meet you where you are—no matter your starting point or preferred investing approach. We understand that as family or institutional wealth increases, the implementation of investment strategies becomes increasingly complex and portfolios require close monitoring to remain within intended parameters.
Portfolio Management
We study investment trends and leverage the global resources of the firm to help you develop a personalized investment strategy. We'll develop a customized portfolio to meet your requirements for growth, income and wealth conservation within your risk constraints. Our experience, training and investment philosophy offer guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your long-term goals in view.
Retirement Planning
We are here to help you create a well-rounded planning approach for retirement and create your estate planning strategy designed to preserve, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. We are here to help manage your employer's retirement plan (e.g., 401(k) plan), identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
Cash Management & Lending
As a client, you will have access to a suite of cash management solutions as a competitive alternative to a traditional bank. Through your Morgan Stanley Active Assets Account or CashPlus Brokerage Account, you can access a full suite of Cash Management Solutions to help you manage your everyday finances. Additionally, we're able to provide qualified clients with financing solutions for almost any personal or business need using the eligible securities in your brokerage account as collateral for a flexible line of credit.
Location
555 California St
35th Floor
San Francisco, CA 94104
US
Direct:
(415) 955-1527(415) 955-1527
Toll-Free:
(800) 227-5152(800) 227-5152
Meet San Francisco Elements Group
Phone:
(415) 955-1528(415) 955-1528
Jason Whitney, CFP®
Financial Advisor
Phone:
(415) 955-1529(415) 955-1529
Fernando Quezada, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(415) 955-1518(415) 955-1518
Adriana Hihi
Registered Client Service Associate
Phone:
(415) 955-1598(415) 955-1598
About Lori H Whitney
Lori leads the San Francisco Elements Group with over four decades of experience in financial services, working at Paine Webber prior to Morgan Stanley. Professionally advising affluent families and executives, Lori devises the most comprehensive strategy to serve every family need. Her wealth of experience working with clients synergizes exceptionally well with David’s quantitative and statistical skills, establishing a stalwart husband-wife team that can tackle any investment challenge.
Lori was named to President’s Club at Morgan Stanley Wealth Management, an elite group composed of the firm’s top Financial Advisors. Lori received her BA in English Education from Michigan State University and earned her Certified Financial Planner (CFP®) designation in 2010. Lori is also among the select few to be named at Morgan Stanley as a Family Wealth Director. This is an exclusive designation conferred on less than 4% of Financial Advisors employed by the firm. Advisors are nominated by management to undergo the rigorous training needed to achieve the designation of Family Wealth Director. The training covers all aspects of family wealth management and finance, including portfolio management, estate planning, taxation concerns, stock plans, philanthropy, and a myriad of other topics.
Lori is currently a member of the International Women’s Forum in Northern California an organization which advances leadership across careers, cultures, and communities by connecting preeminent women of significant and diverse achievement for the purpose of idea exchange, inspiration, and learning. Lori served for 3 years on the Board of Trustees for Catholic Charities in San Francisco, in which she spearheaded their planned giving initiative. She has also held the position of Board Chair of the Advisory Board of Regents at Junipero Serra High School where she served from 2006 to 2012, following her position as Chair of the Development Committee. Within the Hillsborough community, Lori has served as League President for the Hillsborough Little League from 2000 to 2002.
Lori and David have two sons—Jason, who is a team member of the San Francisco Elements Group here in San Francisco, and Peter, who is a Postdoctoral Fellow at the Lionnet Lab at NYU Langone Medical Center in New York City. Lori spends her free time perfecting her baking skills and traveling including tent camping and hiking with her husband David. She especially enjoys traveling to visit with her family in New York, Florida and Arizona.
Forbes Best-In-State Wealth Advisors (2023)
CALIFORNIA - SAN FRANCISCO (HIGH NET WORTH)
SOURCE: FORBES.COM (AWARDED APR 2023) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 6/30/21 - 6/30/22.
Forbes Best-In-State Women Advisors (2023)
CALIFORNIA - NORTH
SOURCE: FORBES.COM (AWARDED FEB 2023) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 9/30/21 - 9/30/22.
Lori was named to President’s Club at Morgan Stanley Wealth Management, an elite group composed of the firm’s top Financial Advisors. Lori received her BA in English Education from Michigan State University and earned her Certified Financial Planner (CFP®) designation in 2010. Lori is also among the select few to be named at Morgan Stanley as a Family Wealth Director. This is an exclusive designation conferred on less than 4% of Financial Advisors employed by the firm. Advisors are nominated by management to undergo the rigorous training needed to achieve the designation of Family Wealth Director. The training covers all aspects of family wealth management and finance, including portfolio management, estate planning, taxation concerns, stock plans, philanthropy, and a myriad of other topics.
Lori is currently a member of the International Women’s Forum in Northern California an organization which advances leadership across careers, cultures, and communities by connecting preeminent women of significant and diverse achievement for the purpose of idea exchange, inspiration, and learning. Lori served for 3 years on the Board of Trustees for Catholic Charities in San Francisco, in which she spearheaded their planned giving initiative. She has also held the position of Board Chair of the Advisory Board of Regents at Junipero Serra High School where she served from 2006 to 2012, following her position as Chair of the Development Committee. Within the Hillsborough community, Lori has served as League President for the Hillsborough Little League from 2000 to 2002.
Lori and David have two sons—Jason, who is a team member of the San Francisco Elements Group here in San Francisco, and Peter, who is a Postdoctoral Fellow at the Lionnet Lab at NYU Langone Medical Center in New York City. Lori spends her free time perfecting her baking skills and traveling including tent camping and hiking with her husband David. She especially enjoys traveling to visit with her family in New York, Florida and Arizona.
Forbes Best-In-State Wealth Advisors (2023)
CALIFORNIA - SAN FRANCISCO (HIGH NET WORTH)
SOURCE: FORBES.COM (AWARDED APR 2023) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 6/30/21 - 6/30/22.
Forbes Best-In-State Women Advisors (2023)
CALIFORNIA - NORTH
SOURCE: FORBES.COM (AWARDED FEB 2023) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 9/30/21 - 9/30/22.
Securities Agent: DC, TX, NV, TN, OH, NM, CA, WI, PA, MA, IL, WA, VA, OR, IN, VT, SD, NC, NY, AZ, MI, FL, CO, UT, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1279564
CA Insurance License #: 0A04539
NMLS#: 1279564
CA Insurance License #: 0A04539
About David Whitney
David joined Lori at Morgan Stanley in 2002 after a successful career in technology, focusing on investment management and research. His engineering background helped him build innovative and efficient strategies for clients. He uses Aladdin, a powerful risk management platform developed by Blackrock. David continually evaluates each client’s investment mix, enhancing asset allocation and seeking investable opportunities.
David served on Morgan Stanley’s elite Digital Council, a select group of financial advisors who work with senior management to help create leading edge resources for our firm and clients, between 2014 and 2018.
Prior to working at Morgan Stanley, David held a director level post at Symantec managing their international business, and later CEO of his own venture-funded startup in San Mateo, named Austin-Hayne Corporation.
David received his BS from Hampshire College in Communications and earned his Chartered Advisor in Philanthropy (CAP®) in 2010.
Within his community, David has helped found the Robotics program at Junipero Serra High School. He spent several years coaching AYSO soccer and Little League baseball. David enjoys fishing with his two sons Jason and Peter when vacationing in Florida. David enjoys motorcycles and keeps his technical skills sharp by building emergency radio communications systems and AI applications. In 2016 David checked off one of his bucket list aspirations by tracing the course of the Baja 1000 on a dirt bike.
David served on Morgan Stanley’s elite Digital Council, a select group of financial advisors who work with senior management to help create leading edge resources for our firm and clients, between 2014 and 2018.
Prior to working at Morgan Stanley, David held a director level post at Symantec managing their international business, and later CEO of his own venture-funded startup in San Mateo, named Austin-Hayne Corporation.
David received his BS from Hampshire College in Communications and earned his Chartered Advisor in Philanthropy (CAP®) in 2010.
Within his community, David has helped found the Robotics program at Junipero Serra High School. He spent several years coaching AYSO soccer and Little League baseball. David enjoys fishing with his two sons Jason and Peter when vacationing in Florida. David enjoys motorcycles and keeps his technical skills sharp by building emergency radio communications systems and AI applications. In 2016 David checked off one of his bucket list aspirations by tracing the course of the Baja 1000 on a dirt bike.
Securities Agent: DC, NM, MA, AL, TN, FL, CO, VT, PA, NY, ID, CA, OH, IN, AZ, NJ, NH, HI, MD, TX, NC, OR, GA, WI, WA, UT, MI, LA, IL, AK, VA, SD, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1295565
CA Insurance License #: 0D88228
NMLS#: 1295565
CA Insurance License #: 0D88228
About Jason Whitney
Jason Whitney is a Financial Advisor for The San Francisco Elements Group handling trading, research, and client planning.
Jason joined our family practice after a decade of experience as an enterprise account executive in the technology industry where he partnered with some of the largest media companies in the world. Jason received a Bachelor of Science degree in Business Administration from the University of Southern California, and he holds the Series 7 and Series 66 securities licenses.
NMLS #: 2421653
Jason joined our family practice after a decade of experience as an enterprise account executive in the technology industry where he partnered with some of the largest media companies in the world. Jason received a Bachelor of Science degree in Business Administration from the University of Southern California, and he holds the Series 7 and Series 66 securities licenses.
NMLS #: 2421653
Securities Agent: MI, VT, NC, TN, WA, OR, IL, VA, HI, DC, CA, AZ, NY, MA, PA, OH, NV, FL, WI, CO, TX, NM, IN, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 2421653
CA Insurance License #: 4203877
NMLS#: 2421653
CA Insurance License #: 4203877
About Fernando Quezada
Fernando Quezada is an Investment Consultant with the San Francisco Elements Group at Morgan Stanley. Fernando’s passion for helping families plan for their future, and his ability to build strong relationships with clients have been the driving factors of Fernando’s career in the industry. He began his career in Financial Services as an intern at Merrill Lynch, while simultaneously earning his degree in Economics from the University of California, Irvine. In August of 2017, Fernando joined UBS as a client service representative. After five successful years at UBS, Fernando joined Morgan Stanley and the San Francisco Elements Group in January of 2023.
Fernando believes that delivering exceptional client service requires intentionality and attention to detail. He is dedicated to ensuring a seamless experience for the individuals he works with, recognizing the importance of the trust that clients place in his team to help them make important decisions. Fluent in Spanish, Fernando is equipped to provide excellent service to a diverse range of clients.
Fernando currently resides in San Francisco and enjoys exploring the city, trying new restaurants, and going to live concerts in his free time.
Fernando believes that delivering exceptional client service requires intentionality and attention to detail. He is dedicated to ensuring a seamless experience for the individuals he works with, recognizing the importance of the trust that clients place in his team to help them make important decisions. Fluent in Spanish, Fernando is equipped to provide excellent service to a diverse range of clients.
Fernando currently resides in San Francisco and enjoys exploring the city, trying new restaurants, and going to live concerts in his free time.
Securities Agent: KS, CA, OR, NY, NM, NE, IA, OK, NV, FL, PA, MT, MN, NC, IL, GA, DC, AZ, AR, AK, VT, VA, OH, MD, DE, AL, WI, WA, VI, TX, NJ, MS, MI, ME, ID, CT, CO, RI, HI, WY, UT, TN, SD, NH, MO, LA, IN, WV, SC, PR, ND, MA, KY; General Securities Representative; Investment Advisor Representative
About Adriana Hihi
Adriana is a Registered Client Service Associate with the San Francisco Elements Group at Morgan Stanley. She is an East Bay Area native, and a UC Davis graduate with a Bachelor of Science in Managerial Economics.
Adriana joined Morgan Stanley in 2022, where she now enjoys building relationships with clients and making a positive impact on the lives of families she works with.
Adriana is a devoted fan of the San Francisco Giants and has an interest in winemaking.
Adriana joined Morgan Stanley in 2022, where she now enjoys building relationships with clients and making a positive impact on the lives of families she works with.
Adriana is a devoted fan of the San Francisco Giants and has an interest in winemaking.
Contact Lori H Whitney
Contact David Whitney
Contact Jason Whitney
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
Sydney Milewski
Planning Associate
About Sydney Milewski
Sydney 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, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Sydney 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.
She earned her undergraduate degree from the University of California, Santa Barbara and received the Financial Planning Specialist® designation from the College for Financial Planning. Sydney is originally from Los Angeles, CA and currently resides in New York, NY.
She earned her undergraduate degree from the University of California, Santa Barbara and received the Financial Planning Specialist® designation from the College for Financial Planning. Sydney is originally from Los Angeles, CA and currently resides in New York, NY.
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
Are You Prepared for Tax Day?
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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 San Francisco Elements Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“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.
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Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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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)
