Steven Wilde, CFP®
Senior Vice President, Wealth Advisor, Investment Management Consultant, Family Wealth Advisor
Phone:
(412) 434-8528(412) 434-8528
The Wilde Fetterman Group at Morgan Stanley
Direct:
(412) 803-2100(412) 803-2100
Toll-Free:
(800) 487-1879(800) 487-1879
Our Mission Statement
We strive to be our clients' trusted advisor and counselor to plan, simplify, and coordinate the opportunities and challenges that wealth brings.
About Us
The Wilde Fetterman Group at Morgan Stanley* exists to help wealthy families position themselves toward achieving their life goals through the implementation of a well-defined wealth management process. Our team delivers comprehensive strategic wealth planning to clients who are concerned with asset preservation, conservative growth strategies, tax sensitivity, borrowing and lending availability, philanthropy and organizational legacy.
As a multi-disciplined team, in which two partners are CERTIFIED FINANCIAL PLANNER™ practitioners, we are committed to expanding our knowledge and understanding of the most sophisticated strategies in order to increase the possibility of our clients achieving their goals. In The Wilde Fetterman Group, our clients have a trusted advisor and counselor whose sole purpose is to plan, simplify, and coordinate the opportunities and challenges that wealth brings.
As a multi-disciplined team, in which two partners are CERTIFIED FINANCIAL PLANNER™ practitioners, we are committed to expanding our knowledge and understanding of the most sophisticated strategies in order to increase the possibility of our clients achieving their goals. In The Wilde Fetterman Group, our clients have a trusted advisor and counselor whose sole purpose is to plan, simplify, and coordinate the opportunities and challenges that wealth brings.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Financial PlanningFootnote3
- Executive Financial ServicesFootnote4
- Qualified Retirement PlansFootnote5
- Cash Management and Lending ProductsFootnote6
- Certificates of DepositFootnote7
- Fixed IncomeFootnote8
- Corporate BondsFootnote9
- Municipal BondsFootnote10
- Alternative InvestmentsFootnote11
- Precious MetalsFootnote12
- Structured ProductsFootnote13
- Exchange Traded FundsFootnote14
- Planning for Education FundingFootnote15
- 529 PlansFootnote16
- AnnuitiesFootnote17
- Life InsuranceFootnote18
- Long Term Care InsuranceFootnote19
- Trust AccountsFootnote20
- Sustainable InvestingFootnote21
- Wealth PlanningFootnote22
- Corporate Retirement PlansFootnote23
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Practice Philosophy
Practice Philosophy
- Our clients are the most important people in our office whether they are here in person, by mail, or by phone. They deserve a timely response to all inquiries and contacts.
- Our clients are not dependent on us, we are dependent on them.
- Our clients are not an interruption of our work; they are the purpose of it. We are not doing them a favor handling inquiries; they are doing us a favor by giving us an opportunity to earn their business.
- We will hold in the strictest confidence, and consider as privileged, all business and personal information pertaining to our clients’ affairs.
- In order to provide our clients with an optimal level of service, we expect them to be continuously forthcoming with all relevant financial information.
- If any of our clients are displeased with any element of our service, we expect the courtesy of timely notification so that we may address the issue.
- If all of our clients’ expectations are met and they are satisfied with our service, we anticipate our clients to refer others whom they feel can benefit from our services.
Professional Designations & Awards
Pittsburgh Magazine Five-Star Wealth Manager Award 2012-2024
Five Star Professional employs a rigorous research process to identify Five Star Wealth Manager award winners in the Pittsburgh area. Award-winning professionals were carefully selected from among thousands of wealth managers for their knowledge, service and experience. Award winners represent an exclusive group of wealth managers who have demonstrated excellence in their field by satisfying 10 objective selection criteria.
2012-2024 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 10/07/2011 - 04/19/2012
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
2023 Award - 09/12/2022 - 03/31/2023
2024 Award - 10/04/2023 - 03/29/2024
https://www.morganstanley.com/disclosures/awards-disclosure.html
2022 Pittsburgh Five Star Wealth Manager Award Profile2012-2024 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 10/07/2011 - 04/19/2012
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
2023 Award - 09/12/2022 - 03/31/2023
2024 Award - 10/04/2023 - 03/29/2024
https://www.morganstanley.com/disclosures/awards-disclosure.html
CFP® - Certified Financial Planner™
The Certified Financial Planner™ certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients’ best interests today to prepare them for a more secure tomorrow.
What is the CFP® Certification?
RICP® - Retirement Income Certified Professional®
The accredited Retirement Income Certified Professional® certification program is tailored for financial professionals who specialize in the retirement income planning field. The program is an extensive and intensive retirement income curriculum that covers all retirement income styles and strategies. RICP® professionals have the skills to build sustainable, holistic retirement plans, delivering unbeatable value for clients and allows them to become a sought-after counselor with valuable expertise.
What is the RICP® Certification?
Family Wealth Advisor
The Family Wealth Advisor designation is for professionals who have completed an accreditation program focused on the skills needed to deliver comprehensive, family-centric wealth management. Professionals who hold the designation have demonstrated their ability to work closely with families to understand their circumstances – not just their finances, but also their individual and collective goals and how they may impact one another. This results in a diligent approach to delivering a high level of service and a standard of care that takes into account your family’s best interest and full financial picture.
Investment Management Consultant
The Investment Management Consultant title is given to advisor professionals who have a commitment to client advisory relationships and have been able to demonstrate investment consulting and service excellence.
Working with a Certified Financial Planner™ professional is an important first step toward reaching your financial documents. Our team of advisors have met the rigorous education and experience requirements, and we commit to the highest ethical and professional standards set forth by the CFP® Board.
Location
1 Ppg Place
Ste 1300
Pittsburgh, PA 15222
US
Direct:
(412) 803-2100(412) 803-2100
Toll-Free:
(800) 487-1879(800) 487-1879
Meet The Wilde Fetterman Group
Eric Fetterman, CFP®, RICP®
Vice President, Financial Advisor, Senior Investment Management Consultant
Phone:
(412) 803-2175(412) 803-2175
Lisa Joyce
Client Service Associate
Phone:
(412) 803-2120(412) 803-2120
About Steven Wilde
With over 40 years of experience in the investment industry, Steve is committed to providing his clients with the highest level of personal service and investment advice. He has a deep knowledge of the capital markets and has broad capabilities. As the team’s Chief Investment Officer, Steve is heavily involved with the team’s broad market outlook and investment strategies. He chooses to focus his work on asset allocation, risk-management, investment strategy, and wealth management services.
Prior to beginning his career with E.F. Hutton in 1981, Steve graduated from Cornell University. He was awarded the designation of CERTIFIED FINANCIAL PLANNER™ in 1989 after meeting the strenuous experience and ethical requirements set forth by the Certified Financial Planner™ Board of Standards and passing the Certification Examination. In 2014, Steve was awarded the title of Investment Management Consultant based on his commitment to investment consulting excellence.
Steve joined Morgan Stanley in 2001 after spending 10 years as an Investment Officer at First Union Securities (which eventually became the Wells Fargo Advisers of today). In 2006, he successfully graduated from the firm’s intensive Wealth Advisor program which provided in-depth insight about the dynamics and challenges unique to high-net worth clientele. In 2018, Steve completed the training necessary to deepen his knowledge of the multi-generational considerations of high-net worth families, and received the prestigious Family Wealth Advisor designation. Steve was also a National Football League Players Association - Registered Player Financial Advisor for over 10 years.
Steve has long been recognized for his dedication to client service. He is an 13-year recipient of the Pittsburgh Five-Star Wealth Manager award for years 2012-2024. This recognition represents the top wealth managers in the area who met strict eligibility and client retention criteria.
2012-2024 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 10/07/2011 - 04/19/2012
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
2023 Award - 09/12/2022 - 03/31/2023
2024 Award - 10/04/2023 - 03/29/2024
https://www.morganstanley.com/disclosures/awards-disclosure.html
Prior to beginning his career with E.F. Hutton in 1981, Steve graduated from Cornell University. He was awarded the designation of CERTIFIED FINANCIAL PLANNER™ in 1989 after meeting the strenuous experience and ethical requirements set forth by the Certified Financial Planner™ Board of Standards and passing the Certification Examination. In 2014, Steve was awarded the title of Investment Management Consultant based on his commitment to investment consulting excellence.
Steve joined Morgan Stanley in 2001 after spending 10 years as an Investment Officer at First Union Securities (which eventually became the Wells Fargo Advisers of today). In 2006, he successfully graduated from the firm’s intensive Wealth Advisor program which provided in-depth insight about the dynamics and challenges unique to high-net worth clientele. In 2018, Steve completed the training necessary to deepen his knowledge of the multi-generational considerations of high-net worth families, and received the prestigious Family Wealth Advisor designation. Steve was also a National Football League Players Association - Registered Player Financial Advisor for over 10 years.
Steve has long been recognized for his dedication to client service. He is an 13-year recipient of the Pittsburgh Five-Star Wealth Manager award for years 2012-2024. This recognition represents the top wealth managers in the area who met strict eligibility and client retention criteria.
2012-2024 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 10/07/2011 - 04/19/2012
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
2023 Award - 09/12/2022 - 03/31/2023
2024 Award - 10/04/2023 - 03/29/2024
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: PA, IN, HI, SC, OH, NY, MO, MN, CA, NC, DE, MA, IL, GA, AL, TX, TN, NH, NM, CO, NJ, MD, LA, ID, OR, KS, CT, WV, NV, MI, FL, AZ, WI, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297715
CA Insurance License #: 0D22836
NMLS#: 1297715
CA Insurance License #: 0D22836
About Eric Fetterman
Eric focuses his work on designing, implementing, and monitoring customized investment strategies for the team’s clients. These efforts are done so with a heightened emphasis on portfolio risk-control and are backed by comprehensive financial plans that he tailors to each client’s unique circumstances. Eric leads new business development and client relationship initiatives for the team, and he prides himself on his commitment to client service.
In 2012, Eric earned the designation of CERTIFIED FINANCIAL PLANNER™ by the Certified Financial Planner™ Board of Standards (CFP® Board) after meeting rigorous experience and ethical requirements, having successfully completed financial planning coursework and passing the Certification Examination. He was also awarded the designation of Retirement Income Certified Professional® by The American College in 2014. The RICP® marks identify professionals who have successfully completed in-depth retirement planning curriculum – focusing on the development of income streams to help create sustainable livelihoods for retirees – in addition to meeting experience and ethical requirements. Eric has also been awarded the title of Investment Management Consultant in 2014 based on his investment consulting and service excellence.
As a testament to his dedication to client service, Eric is a 12-year recipient of the Pittsburgh Five Star Wealth Manager by Crescendo Business Services for years 2013-2022. This recognition represents the top wealth managers in the area who met strict eligibility and client retention criteria.
Eric graduated Cum Laude from the University of Pittsburgh where he completed his undergraduate studies with a Bachelor of Science in Business Administration in Finance and Economics. He then graduated from Morgan Stanley’s Professional Foundations Program in 2005.
2013-2024 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2013-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
2023 Award - 09/12/2022 - 03/31/2023
2024 Award - 10/04/2023 - 03/29/2024
https://www.morganstanley.com/disclosures/awards-disclosure.html
In 2012, Eric earned the designation of CERTIFIED FINANCIAL PLANNER™ by the Certified Financial Planner™ Board of Standards (CFP® Board) after meeting rigorous experience and ethical requirements, having successfully completed financial planning coursework and passing the Certification Examination. He was also awarded the designation of Retirement Income Certified Professional® by The American College in 2014. The RICP® marks identify professionals who have successfully completed in-depth retirement planning curriculum – focusing on the development of income streams to help create sustainable livelihoods for retirees – in addition to meeting experience and ethical requirements. Eric has also been awarded the title of Investment Management Consultant in 2014 based on his investment consulting and service excellence.
As a testament to his dedication to client service, Eric is a 12-year recipient of the Pittsburgh Five Star Wealth Manager by Crescendo Business Services for years 2013-2022. This recognition represents the top wealth managers in the area who met strict eligibility and client retention criteria.
Eric graduated Cum Laude from the University of Pittsburgh where he completed his undergraduate studies with a Bachelor of Science in Business Administration in Finance and Economics. He then graduated from Morgan Stanley’s Professional Foundations Program in 2005.
2013-2024 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2013-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
2023 Award - 09/12/2022 - 03/31/2023
2024 Award - 10/04/2023 - 03/29/2024
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: VA, TX, NJ, FL, CT, HI, TN, NH, MO, WI, OH, NY, MD, MA, IN, AZ, PA, OR, NM, ID, CO, NV, IL, WV, MI, LA, GA, CA, NC, SC, MN, DE, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265044
CA Insurance License #: 0G63759
NMLS#: 1265044
CA Insurance License #: 0G63759
About Lisa Joyce
Lisa brings over 15 years of experience in the financial services industry to the team and its clients. She has an increasingly-rare combination of in-depth knowledge with a warm and helpful personality to provide invaluable service to clients. At the same time, Lisa organizes the team and its efforts to provide a world-class client experience. Prior to joining Morgan Stanley, she served as a Manager with Citizens Bank of Pittsburgh where she oversaw and managed branch employees and logistics.
Contact Steven Wilde
Contact Eric Fetterman
Wealth Management
From Our Team
4th Quarter 2024 Recap & Outlook Letter
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Wilde Fetterman 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 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.
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 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.
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
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Alternative 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.
12Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
13Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
14An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
15When 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.
16Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
17Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
19Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
20Morgan 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.
21The 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.
22Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
23When 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.
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 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 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.
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 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.
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
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Alternative 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.
12Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
13Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
14An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
15When 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.
16Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
17Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
19Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
20Morgan 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.
21The 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.
22Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
23When 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.
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)
