Thomas M Wick
Executive Director, Financial Advisor, Alternative Investments Director
Phone:
(215) 497-7035(215) 497-7035
The Wick Group at Morgan Stanley
Direct:
(215) 497-7035(215) 497-7035
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
Our Story and Services
As a father and daughter team, we truly are a family working with other families. We bring a wide range of skills and extensive experience when it comes to guiding not only families’ private wealth management solutions, but also the financial needs and goals of everyone we work with.
Whether you are seeking Portfolio Management, Estate or Retirement Planning strategies, Business Planning, or you require access to Institutional Investment solutions -- we offer the guidance you seek.
Whether you are seeking Portfolio Management, Estate or Retirement Planning strategies, Business Planning, or you require access to Institutional Investment solutions -- we offer the guidance you seek.
Wick Group’s Recognitions:
- Tom: Forbes Best-In-State Wealth Advisors PA in 2022-2023 (Source: Forbes.com (Awarded 2022-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.)
- Abby: Named to Morgan Stanley Pacesetter's Club in 2024 (Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.)
- Tom: Member of Morgan Stanley Master's Club 2022-2024 (Morgan Stanley Wealth Management Master’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Master’s Club membership is no guarantee of future performance.)
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Executive Financial ServicesFootnote3
- Alternative InvestmentsFootnote4
- Cash Management and Lending ProductsFootnote5
- Trust ServicesFootnote6
- Endowments and FoundationsFootnote7
- Stock Plan ServicesFootnote8
- Estate Planning StrategiesFootnote9
- Corporate Retirement PlansFootnote10
- Business Succession PlanningFootnote11
- Sustainable InvestingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial Planning
We are dedicated to delivering highly responsive and individualized strategies to our clients, using a focused, objective financial planning process. Our process focuses on what's important to you, your family, and your legacy. Through each step, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
Abby Wick is a Financial Planning Specialist here to help ensure you have someone to help you prepare for every stage of life. If you are interested in creating or updating your financial plan, please reach out to the team to get started.
We invite you to use the resources on this page to better understand our financial planning process and tools.
Abby Wick is a Financial Planning Specialist here to help ensure you have someone to help you prepare for every stage of life. If you are interested in creating or updating your financial plan, please reach out to the team to get started.
We invite you to use the resources on this page to better understand our financial planning process and tools.
Step 1: Getting To Know Each Other
Our financial planning process always begins with getting to know you and the people in your financial life. A thorough understanding of you and your family's financial needs will help us act accordingly. We seek to establish life-long relationships built on a foundation of respect, integrity and exceptional client service.
LifeView Intelligent Planning
LifeView® is a suite of financial planning tools including goal-specific analysis which informs the financial planning process.
LifeView® is a registered service of Morgan Stanley & Company and used under license. Morgan Stanley Advisors are not legal or tax advisors.
LifeView® is a registered service of Morgan Stanley & Company and used under license. Morgan Stanley Advisors are not legal or tax advisors.
Step 2: Gather & Analyze Current Financial Situation
After getting to know you, we will review your most recent financial documents to gain a more comprehensive understanding of your financial picture. This may include a review of your balance sheets, current statements, or estate plans depending on the client.
Aladdin - Intelligent Risk Management
Aladdin offers a comprehensive view of your financial risk. We use this tool to get a detailed analysis of risk for each individual product.
Step 3: Present Your Custom Financial Plan
Once a preliminary version of your plan has been created, we will meet to discuss investment recommendations, fees, and fiduciary responsibilities.
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
Step 4: Implement Plan
As you transfer your assets to the firm, we will work to implement your financial plan.
The Monte Carlo
The Monte Carlo simulation is a mathematical technique that predicts possible outcomes of an uncertain event. This helps us understand the impact of risk and uncertainty. Instead of taking an average rate of return and assuming that's what you're going to constantly see in the future, it runs a number of different possibilities and outcomes and gives us a rate of success. This is important because we know that the market varies with different rates of return every year.
Step 5: Comprehensive Review & Ongoing Monitoring
Throughout your time as a client, we will meet regularly to reevaluate your plan and discuss your portfolio. We aim to remain in consistent communication to ensure full transparency and we always encourage our clients to reach out with financial questions.
Morgan Stanley Impact Quotient™
The Morgan Stanley Impact Quotient™ application gives Wealth Management clients new customizable insights into the social and environmental impact of their investment portfolios.
KEY LIFE EVENTS
Whether you have been married recently, saving for a child’s education or caring for loved ones, most major life events have financial implications for them. Trying to make the right financial decisions while juggling work and family responsibilities can feel overwhelming. But with proper guidance and careful planning, the Wick Group can help you reach these milestones confidently and help maintain financial stability for years to come.
Education
Education is a major investment that often requires years of careful, advanced planning. As educational costs continue to rise - from primary education through undergraduate, graduate and professional schools - we will work together to implement the appropriate funding strategies for your needs.
Education Planning Center
Exiting a Business
If you have poured years—maybe even decades—of your life into building a business, the time to sell may come with mixed emotions. Considering what comes next can seem daunting. We can help you create a clear plan can help ensure the best outcome for founders, families and businesses.
Planning for Life After Selling a Business
Taxes
Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place. The Wick Group offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
Tax-Smart All Year Long
Estate Planning Essentials
Creating an estate plan can help protect your wealth and prevent hardship for your heirs.
Estate Planning Overview
Retirement
While saving for a retirement is an important topic, it’s at least as important as what comes next: Your plan of action once you enter retirement. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income.
5 Biggest Retirement ChallengesAlternatives
Tom Wick, Alternative Investment Director, provides individuals and institutions access to world-class alternative investment strategies spanning private equity, real assets, private credit, hedge funds and digital assets.
These strategies may deliver differentiated sources of return relative to traditional equity and fixed income investments, as well as offer potential for tax efficiency.
These strategies may deliver differentiated sources of return relative to traditional equity and fixed income investments, as well as offer potential for tax efficiency.
Real Estate
Private Real Estate's goal is to diversify your portfolio with a non-correlated, inflation-resistant real asset which can provide tax advantaged income as well as potential for appreciation. The funds we use are well diversified by both property type and location, focused on high quality assets with high occupancy rates.
Private Equity
Private Equity serves as an excellent diversifier and potential return enhancer in one’s portfolio. Particularly, as analysts predict that companies will stay private longer, and public market return expectations decline compared with the past decade, we believe Private Equity can provide clients with excellent risk/reward metrics when compared to public markets.
Hedge Funds
Hedge funds can provide low or non-correlated sources of returns in your portfolio – we generally focus on managers that aim to provide positive returns in a variety of markets with relatively low volatility. Our primary hedge funds can provide profit from global macro swings, political/economic events, and when differences occur between an asset's price and it's intrinsic value.
Private Credit
Private credit can be thought of as the private equivalent to bonds – these investments are income focused, and serve the purpose of further reducing correlation and volatility in your portfolio.
VALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise content.
Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Log in to MSO
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the Latest Episode
Total Wealth View
Complete your financial picture with total wealth view. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Total Wealth View Client Guide
GIC Weekly
A publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
Read the Most Recent Report
eAuthorizations
eAuthorizations allow you to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.
eAuthorizations Client Guide
Morgan Stanley Ideas
Read our perspective on what's shaping the world today, and tomorrow. We cover topics ranging from health care, sustainability, macroeconomics and technology.
Explore Our Ideas
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Digital Vault Client Guide
Cash Management and Lending
Complement your investment strategy and benefit from greater flexibility when you take advantage of our industry-leading cash management and financing solutions. Smart use of borrowing can help provide funding for personal, business or real estate needs– potentially without selling your investments.
Beyond Basic Borrowing
2024 Tax Tables
Please view the following attachment to find the 2024 federal tax tables.
2024 Tax TablesLocation
777 Township Line Rd
Ste 301
Yardley, PA 19067
US
Direct:
(215) 497-7035(215) 497-7035
Meet The Wick Group
Abigail Wick
Financial Advisor, Financial Planning Specialist
Phone:
(215) 497-7056(215) 497-7056
Angela Sprenkle
Portfolio Associate
Phone:
(215) 497-7058(215) 497-7058
About Thomas M Wick
Tom first started his career as a Financial Advisor with Smith Barney, a predecessor firm to Morgan Stanley. Since Smith Barney's evolution into today's Morgan Stanley, he has spent over 20 years with the same firm, proving his commitment to long-term relationships and delivering exceptional client service. Through individual investment planning and a philosophy of diversification, Tom helps his clients work towards accomplishing all their financial objectives.
With his vast experience and access to the plethora of Morgan Stanley resources, Tom provides his clients with access to some of the most extensive financial tools in the industry. Through comprehensive financial planning with a long-term focus, Tom formulates customized plans to help his clients achieve their financial goals and benefit their needs.
Tom lives in Bucks County with his wife and youngest daughter, with an open-door policy for his four adult children. The rest of the zoo consists of three rescue dogs and three cats. In his free time, Tom enjoys golfing, attending Philadelphia sporting events, travelling, and spending time with his family.
Disclosure(s):
2022 & 2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (2022 & 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
With his vast experience and access to the plethora of Morgan Stanley resources, Tom provides his clients with access to some of the most extensive financial tools in the industry. Through comprehensive financial planning with a long-term focus, Tom formulates customized plans to help his clients achieve their financial goals and benefit their needs.
Tom lives in Bucks County with his wife and youngest daughter, with an open-door policy for his four adult children. The rest of the zoo consists of three rescue dogs and three cats. In his free time, Tom enjoys golfing, attending Philadelphia sporting events, travelling, and spending time with his family.
Disclosure(s):
2022 & 2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (2022 & 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: WI, OR, VA, WA, VT, UT, TX, TN, SC, RI, PR, PA, OK, OH, NY, NV, NM, NC, MI, MA, ME, FL, DE, MD, DC, CT, CO, CA, NJ, AL, AZ, IL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1297783
NMLS#: 1297783
About Abigail Wick
Abby joined Morgan Stanley in June 2016. As a Financial Advisor in the Wick Group, Abby helps to service and assist the clients Tom advises. She conducts investment research, creates financial plans, and runs the team’s marketing initiatives. Her extensive knowledge of financial planning, along with the resources available to the firm, help her to contribute to the optimal client experience.
She received her B.A. at SUNY Binghamton University where she played Division I soccer. Before joining Morgan Stanley, Abby worked as an ESPN Production Assistant where she worked behind the scenes in putting on the Binghamton athletic broadcasts.
As a Bucks County native, Abby has always been around the greater Philadelphia area. She currently resides in center city Philadelphia. Outside of the office, Abby is very active and enjoys running outdoors, biking and trying out challenging fitness classes. She also loves spending time with her family, her friends and her cat, Milo.
NMLS ID # 2119652
She received her B.A. at SUNY Binghamton University where she played Division I soccer. Before joining Morgan Stanley, Abby worked as an ESPN Production Assistant where she worked behind the scenes in putting on the Binghamton athletic broadcasts.
As a Bucks County native, Abby has always been around the greater Philadelphia area. She currently resides in center city Philadelphia. Outside of the office, Abby is very active and enjoys running outdoors, biking and trying out challenging fitness classes. She also loves spending time with her family, her friends and her cat, Milo.
NMLS ID # 2119652
Securities Agent: NY, OK, OR, PA, PR, RI, SC, TN, TX, UT, VA, VT, WA, WI, OH, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, MA, MD, ME, MI, NC, NJ, NM, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2119652
NMLS#: 2119652
About Angela Sprenkle
Angela is a Portfolio Associate with over 20 years of industry experience. Prior to joining Morgan Stanley (formerly Citi Smith Barney) in 2003, she was an Operations Supervisor at Fiserv Securities. Angela works with the team as a resource to enhance the client experience, manage account servicing, and acts as a source of communication for all clients. She ensures clients receive outstanding service and support by building ongoing relationships and anticipating client needs.
Angela holds the Series 7 and 66 investment licenses as well as an insurance license. She has an associate’s degree in Business Administration. Angela resides in Bucks County, PA with her four young children.
Angela holds the Series 7 and 66 investment licenses as well as an insurance license. She has an associate’s degree in Business Administration. Angela resides in Bucks County, PA with her four young children.
Contact Thomas M Wick
Contact Abigail Wick
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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Ready to start a conversation? Contact The Wick Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan 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.
4Alternative 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.
5Morgan 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
6Morgan 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.
7Morgan 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.
8Morgan 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.
9Morgan 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.
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 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.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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
2Morgan 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.
3Morgan 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.
4Alternative 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.
5Morgan 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
6Morgan 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.
7Morgan 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.
8Morgan 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.
9Morgan 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.
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 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.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
