Phone:
(801) 322-7625(801) 322-7625
The Willhite Ross Group at Morgan Stanley
Our Mission Statement
Helping clients articulate and achieve their financial goals, with the objective of creating a well-organized financial life.
Welcome Message
You have a vision of the future you want for yourself and your family. As your Financial Advisors, we work with you to help translate that vision into a comprehensive, customized wealth planning strategy designed to help you build the life and legacy you envision.
You've invested significant time and effort in pursuing financial success to help provide for your family. We are committed to bringing that same level of diligence in an effort to help you grow and preserve your wealth. To help accomplish this goal, we aim to ask the right questions, find appropriate strategies and put all of our experience and the resources of Morgan Stanley to work for you. We aim to always go above and beyond, connecting you with the people and strategies to help you organize and simplify your personal, professional and financial life.
Our Process: Working With You
As wealth grows, so can its complexity—and the resources needed to help manage it. We combine personalized attention from a dedicated team of Financial Advisors with the full suite of Morgan Stanley services to help address virtually all financial challenges and potential opportunities. Here's how we can work with you:
- Introductory Meeting - We start with an informal chat to get to know your lifestyle, values, and short- and long-term aspirations.
- Discovery Meeting - Together we'll review your current financial picture, identify your goals, and determine a risk profile that aims to align with your vision.
- Financial Plan Presentation - You'll receive a tailored plan that may cover key aspects such as employer contributions, liquidity events, insurance, and asset allocation—designed to help support your objectives.
- Action Items / Next Steps - We'll follow up with recommendations and implement any agreed-upon changes—be it investment allocation, insurance, or benefits modifications.
- Implementation Meeting - In this session, we roll out your plan with strategies customized to your situation. We'll help you consider logistics, potential tax implications, and portfolio adjustments.
- Monitoring & Performance Tracking - We continuously monitor your assets, tracking performance against benchmarks. We stay in touch regularly to help you address concerns, update your priorities, and help ensure your plan stays on track towards your goals.
Our Mission
We strive to help clients articulate and achieve their financial goals, with the objective of creating a well‑organized financial life.
What We Do
- Financial & Retirement Planning
- Corporate Retirement & Investment Solutions
- Alternative Investments
- Cash Management and Lending Solutions
- Business Succession Planning
- Estate Planning Strategies, Trust services, Annuities
- Philanthropic Management & Impact Investing
- Planning for Education, individuals with Special Needs, Executive Services
(See full list under Services)
Why Choose Us
We bring a multi-generational team approach—combining experience, perspectives, and comprehensive strategies to help serve you. Whether you're a company owner, an executive planning liquidity, or preparing for retirement, we can help provide comprehensive advice tailored to your needs.
What Comes Next
The process doesn't end with a strategy. We offer ongoing updates, performance reviews, and adjustments if necesary. Our goal is to be with you every step of the way, to help you make decisions confidently and stay ahead of life's curveballs.
Disclosures:
Morgan 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
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Portfolios using Environmental, Social and Governance ("ESG") criteria, also known as sustainable or impact investing, may perform differently than those without such considerations. ESG focused investments may face market limitations, and there is no guarantee they will achieve better financial or sustainability outcomes.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan 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 offers insurance products in conjunction with its licensed insurance agency affiliates.
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
Services Include
- Financial PlanningFootnote1
- Corporate Retirement PlansFootnote2
- Corporate Investment SolutionsFootnote3
- Alternative InvestmentsFootnote4
- Asset Management
- Business Succession PlanningFootnote5
- Cash ManagementFootnote6
- Estate Planning StrategiesFootnote7
- Executive Financial ServicesFootnote8
- Institutional ServicesFootnote9
- Cash Management and Lending ProductsFootnote10
- Philanthropic ManagementFootnote11
- Planning for Individuals with Special Needs and their Families
- Planning for Education FundingFootnote12
- Structured ProductsFootnote13
- AnnuitiesFootnote14
- Trust ServicesFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients and Planning
Over the years, we have developed loyal, long-term relationships with our clients. The secret of our success is simple: We enjoy doing what we love for people we enjoy working with.
Our clients come from diverse professions and backgrounds, and each of them has worked hard to build a comfortable life. They are successful, driven, and often very busy, so they appreciate having a team of trusted advisors they can rely on to handle their finances.
Our job is to help you build on your success. By doing what we do best—financial planning and portfolio management—we give you more time to do what you do best, so you can focus on the people, activities, and interests that bring joy and meaning to your life.
Our clients come from diverse professions and backgrounds, and each of them has worked hard to build a comfortable life. They are successful, driven, and often very busy, so they appreciate having a team of trusted advisors they can rely on to handle their finances.
Our job is to help you build on your success. By doing what we do best—financial planning and portfolio management—we give you more time to do what you do best, so you can focus on the people, activities, and interests that bring joy and meaning to your life.
Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to help improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
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LifeView
Morgan Stanley’s LifeView Financial Planning tool’s client portal, LifeView Portal, provides your Financial Advisor with more robust financial planning capabilities, while giving you an easier and more intuitive user experience.
Fill Out Questionnaire
Retirement Planning
The decisions you make about your workplace retirement plan can benefit you for years to come. We’ll help you understand and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence
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Education Planning
With education costs rising, paying for college has become a major life expense that requires smart planning.
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Intelligent Withdrawals
We use state-of-the-art tools that recommend the most tax-efficient way to liquidate assets.
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Small Business Planning
You've built your business. We can help identify opportunities to realize your business potential.
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Family Planning
We can tailor a financial plan for today, while being flexible enough to grow with your family as things change.
Click HereWorking With You
As your wealth has grown, so has its complexity and the resources required to manage it. We provide you with the best of both worlds—the personal attention of a dedicated team of Financial Advisors and access to a comprehensive array of services and solutions designed to address virtually any financial challenge or opportunity.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions., liquidity events and insurance coverage, Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items/Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations. This may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The Implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always met.
Our Commitment to the Community
Pictured: (Brandon, Spencer, Pierson, Monty at the 2024, 2022 & 2021 Chad Lewis Golf Classic benefiting the Cystic Fibrosis Foundation)
The Chad Lewis Golf Classic
For the last 17 years, our team has been involved with the Chad Lewis Golf Classic to benefit the Cystic Fibrosis Foundation. We love having the opportunity to give back to our community by getting involved in such a wonderful cause. The Chad Lewis Golf Classic brings participants from all over the country to enjoy an incredible day of golf in Park City, raising money and awareness to help those who are struggling with CF. During the last 17 years the event has raised over $2,000,000 for the foundation. We are proud to be involved with such a wonderful cause!
NAVIGATING YOUR LIFE
No matter what stage of life you are in, more than likely you or someone you know have gone through some type of major life event. Whether it was the birth of a child, the unfortunate passing of a loved one, or even the possibility of a divorce, these life events can occur when you least expect it, and can make things difficult moving forward. That is where we can help.
The Willhite Ross Group at Morgan Stanley understands that these times can be challenging, difficult, and even a little scary. We can help. Our team knows the emotional swells that are involved with these life events, and are prepared to sit down and assist you come up with a game plan to put you back on the road to you and your family's financial soundness.
The Willhite Ross Group at Morgan Stanley understands that these times can be challenging, difficult, and even a little scary. We can help. Our team knows the emotional swells that are involved with these life events, and are prepared to sit down and assist you come up with a game plan to put you back on the road to you and your family's financial soundness.
Birth of a Child
The birth of a child into the family is a joyous and exciting occasion for everyone. The addition of a new family member brings with it a new set of financial components:
1. Costs of Birth, Adoption or Surrogacy
2. Anticipating Unexpected Medical Expenses
3. Understanding gifting requirements
4. Preparing for Child Care
5. Planning for Educational Expenses
1. Costs of Birth, Adoption or Surrogacy
2. Anticipating Unexpected Medical Expenses
3. Understanding gifting requirements
4. Preparing for Child Care
5. Planning for Educational Expenses
Divorce
With the right approach and the right advice, the process need not be onerous. On the contrary, it can be empowering. Here's how to manage the transition:
1. Find a Confidante
2. Put your team in place
3. Get - and stay - organized
4. Take stock of what you have, and need
5. Be patient, but proactive
1. Find a Confidante
2. Put your team in place
3. Get - and stay - organized
4. Take stock of what you have, and need
5. Be patient, but proactive
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion.
Marriage
There are few events more exciting than when you decide to align your life with the person you love. Of course, there are conversations you should have with their partner before tying the knot. One of the most important is about money—how you’ll make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents). We can play an important role in helping you plan for these milestones and guiding their conversations.
Location
60 East South Temple
20th Fl
Salt Lake City, UT 84111
US
Direct:
(801) 322-7646(801) 322-7646
Meet The Willhite Ross Group
Phone:
(801) 960-5242(801) 960-5242
Phone:
(801) 322-7635(801) 322-7635
Phone:
(801) 322-7639(801) 322-7639
Lisa Guile
Client Service Associate
Phone:
(801) 322-7646(801) 322-7646
About Monty Willhite
With nearly 31 years of experience as a Financial Advisor, Monty believes that the most important thing that he can do for his clients is to help them achieve a sense of financial well-being. At the heart of this philosophy is a passion to build enduring client relationships by providing outstanding guidance and service. Leveraging a disciplined process that delivers a consistent, yet customized wealth management experience, Monty advises clients on every stage of the wealth cycle, from accumulation and preservation, to utilization and transfer.
Monty has been in the financial services industry since 1988, after graduating from Brigham Young University with a B.S. in design engineering technology. For him, serving as a trusted Financial Advisor is not just a career, it’s a calling, and his goal is to help his clients be good stewards of the resources they have earned or been entrusted with.
Monty and his wife, Kathy, are the proud parents of five children and grandparents to 14 grandchildren. Monty is just as passionate about life as he is about work and, outside of the office, he enjoys sports, outdoor recreation and spending time with his family. A former Eagle Scout, Monty has devoted much of his adult life serving as a leader in the scouting program, helping young men become better husbands, fathers and members of society.
Monty has been in the financial services industry since 1988, after graduating from Brigham Young University with a B.S. in design engineering technology. For him, serving as a trusted Financial Advisor is not just a career, it’s a calling, and his goal is to help his clients be good stewards of the resources they have earned or been entrusted with.
Monty and his wife, Kathy, are the proud parents of five children and grandparents to 14 grandchildren. Monty is just as passionate about life as he is about work and, outside of the office, he enjoys sports, outdoor recreation and spending time with his family. A former Eagle Scout, Monty has devoted much of his adult life serving as a leader in the scouting program, helping young men become better husbands, fathers and members of society.
Securities Agent: AZ, CA, CO, CT, FL, ID, IN, MA, NJ, NV, NY, OK, OR, TX, UT, VA, WA, WY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 510783
CA Insurance License #: 0B79436
NMLS#: 510783
CA Insurance License #: 0B79436
About Brandon Ross, CFP®
For over 25 years, Brandon has focused on providing comprehensive, customized wealth management strategies that help his clients achieve their most important personal, and professional financial objectives. His passion is helping clients stay focused on their goals, and his greatest reward is the relationships he has developed over time, where clients have become friends and part of an extended financial family.
Brandon earned his B.S. in economics from the University of Utah. He began his career as a Financial Advisor in 1996.
A native of Utah, Brandon currently resides in Kaysville, Utah, with his wife, Jodi. They are proud parents of 4 children. In addition to spending time with his family, Brandon enjoys traveling, cycling, playing guitar and golfing. Brandon has spent many years involved with various charities along the Wasatch Front, but his passion lies with the Cystic Fibrosis Foundation. He has been a huge help in organizing the annual Chad Lewis Golf Classic to benefit the Cystic Fibrosis Foundation, now on it's 16th year. The event has helped raise over $1,500,000 for the foundation in helping find a cure for CF.
Brandon earned his B.S. in economics from the University of Utah. He began his career as a Financial Advisor in 1996.
A native of Utah, Brandon currently resides in Kaysville, Utah, with his wife, Jodi. They are proud parents of 4 children. In addition to spending time with his family, Brandon enjoys traveling, cycling, playing guitar and golfing. Brandon has spent many years involved with various charities along the Wasatch Front, but his passion lies with the Cystic Fibrosis Foundation. He has been a huge help in organizing the annual Chad Lewis Golf Classic to benefit the Cystic Fibrosis Foundation, now on it's 16th year. The event has helped raise over $1,500,000 for the foundation in helping find a cure for CF.
Securities Agent: AZ, CA, CO, CT, FL, ID, IN, MA, NJ, NV, NY, OK, OR, TX, UT, VA, WA, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 510785
CA Insurance License #: 0K10127
NMLS#: 510785
CA Insurance License #: 0K10127
About Spencer Willhite
Since joining the team in January 2013, Spencer has been an integral member of The Willhite Ross Group. He believes that comprehensive financial planning is the cornerstone of a disciplined wealth management strategy, and enjoys helping clients understand how their decisions may impact their financial future. Spencer also coordinates our client appreciation events, which focus on helping clients achieve—and maintain—physical, financial and emotional wellness.
Prior to joining Morgan Stanley, Spencer earned his B.D. in business management with an emphasis in finance from Utah Valley University and has a Master’s degree in organizational behavior and leadership from Gonzaga University.
Born and raised in Utah, Spencer lives in Highland, Utah. He and his wife, Jillian, have four children. In his spare time, Spencer enjoys spending time outdoors, whether it’s water sports, snowboarding, skiing, golfing, hiking or camping.
Prior to joining Morgan Stanley, Spencer earned his B.D. in business management with an emphasis in finance from Utah Valley University and has a Master’s degree in organizational behavior and leadership from Gonzaga University.
Born and raised in Utah, Spencer lives in Highland, Utah. He and his wife, Jillian, have four children. In his spare time, Spencer enjoys spending time outdoors, whether it’s water sports, snowboarding, skiing, golfing, hiking or camping.
Securities Agent: AZ, WA, IN, CA, MO, NY, IL, VA, UT, OK, NM, FL, CT, CO, OR, NV, SD, WY, TN, MA, ID, TX, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1217941
CA Insurance License #: 4103533
NMLS#: 1217941
CA Insurance License #: 4103533
About Pierson Willhite
Pierson joined The Willhite Ross Group in October 2016. Having grown up in a financial services-oriented family, he understands the industry and enjoys putting his knowledge to work to help our clients achieve their goals.
Prior to joining Morgan Stanley, Pierson worked in the horticulture industry and earned his Bachelor’s degree from Brigham Young University-Idaho. His down-to-earth personality helps him get along with people, no matter what walk of life they come from. Pierson believes that education is a critical component of helping people make informed decisions, and he enjoys helping clients understand the nuances of their financial lives.
A native Utahan, Pierson currently resides in Lehi, Utah, with his wife, Melissa, and their six children. Outside of work, Pierson enjoys hiking, golfing, camping, and snow and water sports.
Prior to joining Morgan Stanley, Pierson worked in the horticulture industry and earned his Bachelor’s degree from Brigham Young University-Idaho. His down-to-earth personality helps him get along with people, no matter what walk of life they come from. Pierson believes that education is a critical component of helping people make informed decisions, and he enjoys helping clients understand the nuances of their financial lives.
A native Utahan, Pierson currently resides in Lehi, Utah, with his wife, Melissa, and their six children. Outside of work, Pierson enjoys hiking, golfing, camping, and snow and water sports.
Securities Agent: AZ, CA, CO, CT, FL, ID, IN, MA, MO, NJ, NV, NY, OK, OR, TX, UT, VA, WA, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1597609
CA Insurance License #: 4103533
NMLS#: 1597609
CA Insurance License #: 4103533
Contact Monty Willhite
Contact Brandon Ross, CFP®
Contact Spencer Willhite
Contact Pierson Willhite
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Carrie Wayment
Associate Private Banker
About Carrie Wayment
Carrie Wayment is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Colorado, Wyoming, and Utah.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Carrie began her career in financial services in 2010, when she joined Morgan Stanley as an Administrative Assistant. In 2014, she was promoted to Associate Private Banker.
Carrie is a graduate of the University of Utah, where she received a Bachelor of Science in Recreation and Leisure Studies. She lives in Salt Lake City, Utah.
Outside of the office, Carrie volunteers at the Utah Refugee Center teaching refugee women how to sew. She is on the board of directors for Interwoven, a non-profit helping women hone their sewing skills for job placement. She also enjoys knitting, quilting, traveling, working in her yard and watching college football and basketball games.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Carrie began her career in financial services in 2010, when she joined Morgan Stanley as an Administrative Assistant. In 2014, she was promoted to Associate Private Banker.
Carrie is a graduate of the University of Utah, where she received a Bachelor of Science in Recreation and Leisure Studies. She lives in Salt Lake City, Utah.
Outside of the office, Carrie volunteers at the Utah Refugee Center teaching refugee women how to sew. She is on the board of directors for Interwoven, a non-profit helping women hone their sewing skills for job placement. She also enjoys knitting, quilting, traveling, working in her yard and watching college football and basketball games.
NMLS#: 1166865
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Willhite Ross Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“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 (“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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 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.
10Morgan 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
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
12When 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.
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.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“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 (“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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 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.
10Morgan 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
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
12When 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.
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.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Morgan 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.
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)
