Alan Solursh
Managing Director, Financial Advisor
Phone:
(310) 551-9435(310) 551-9435
The Windward Legacy Group at Morgan Stanley
Direct:
(310) 551-9435(310) 551-9435
Toll-Free:
(800) 458-9838(800) 458-9838
Our Mission Statement
The Windward Legacy Group focuses on managing the financial affairs of affluent multi-generational families, entertainers, executives and business owners.
Our mission is to simplify life for you and your family by serving as the central point of contact for all of your financial needs.
We welcome the opportunity to serve as your trusted advisor through life’s transitions.
Our mission is to simplify life for you and your family by serving as the central point of contact for all of your financial needs.
We welcome the opportunity to serve as your trusted advisor through life’s transitions.
The Windward Legacy Group
The Windward Legacy Group is an independent wealth management practice in the Woodland Hills and Beverly Hills offices of Morgan Stanley. For over three decades our team has focused on families – understanding their unique needs, and designing strategies to help them achieve their goals. It’s an old adage that with great wealth comes great responsibility. Our clients know we are with them every step of the way so they never have to go it alone.
In addition to customized wealth management strategies, we work to simplify your life by integrating into our offering to our clients administrative and lifestyle management services, including Goals-Based Life Planning, Long Term Care & Life Insurance, Trust and Estate Planning Strategies, Lifestyle Advisory and Philanthropy Management.
Bottom Line: Our team is dedicated to helping our clients realize the full reward of their life’s work.
In addition to customized wealth management strategies, we work to simplify your life by integrating into our offering to our clients administrative and lifestyle management services, including Goals-Based Life Planning, Long Term Care & Life Insurance, Trust and Estate Planning Strategies, Lifestyle Advisory and Philanthropy Management.
Bottom Line: Our team is dedicated to helping our clients realize the full reward of their life’s work.
Our Core Values and Beliefs:
- We believe clients deserve advice tailored to them
- We believe clients should be supported by a team of professionals
- We believe in taking the time to inform and educate
- We believe in always being accessible and responsive
- We believe that we owe it to you to leverage the most up-to-date tools and resources available today to better provide premium advice and service
Services Include
- Wealth Consulting
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- Retirement PlanningFootnote5
- Lending Products
- Asset Management
- Cash ManagementFootnote6
- Fixed IncomeFootnote7
- Alternative InvestmentsFootnote8
- Endowments and FoundationsFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- AnnuitiesFootnote12
- Philanthropic Services
- Planning for Education FundingFootnote13
- 529 PlansFootnote14
- Planning for Individuals with Special Needs
- Sustainable InvestingFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You:
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family. Whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Morgan Stanley “On the Markets” Report:
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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Mike Wilson Monthly Webcast
Chief Investment Officer Mike Wilson's monthly perspectives webcast.
Latest Investment Returns by Asset Class
See 10 years of ranked returns by asset class.
Click here to viewWhat are your hopes and dreams?
Our approach to wealth planning focuses on what is most meaningful to you. Whether meeting with you for the first time or reviewing your progress and life goals, this is our priority.
Create a Personalized Strategy
We take advantage of Morgan Stanley's vast resources to help form your personalized strategy that is specific to your needs and aspirations.
Flexible Management
We understand that circumstances change. Our approach allows our planning to be flexible so we can adapt.
Achieve Goals
Throughout our planning journey, we keep you on track to help make your goals realized.
Protect Wealth
Once your goals have been reached, we help protect your wealth in order to safeguard your assets for the future.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security CenterAs your family grows and your wealth increases, you may face more subtle and profound wealth management issues.
No matter the stage we have the tools & resources to help you navigate through your most pressing questions:
No matter the stage we have the tools & resources to help you navigate through your most pressing questions:
Trust Services
Lifestyle Advisory
Insurance Solutions
High Net Worth Lending
Philanthropy Management
Family Governance & Wealth Education
Strategic Estate & Financial Planning
Location
9665 Wilshire Blvd
Ste 600
Beverly Hills, CA 90212
US
Direct:
(310) 551-9435(310) 551-9435
Toll-Free:
(800) 458-9838(800) 458-9838
21650 Oxnard Street
Suite 1800
Woodland Hills, CA 91367
US
Direct:
(310) 551-9435(310) 551-9435
100 N Westlake Boulevard
Suite 200
Westlake Village, CA 91362
US
Meet The Windward Legacy Group
Phone:
(310) 551-9445(310) 551-9445
Jordan Justman
Vice President, Wealth Management Associate
Jessica Shoemaker Gonzalez, CFP®
Financial Planning Associate, Portfolio Associate
Adele Mussry
Senior Client Service Associate
About Alan Solursh
Alan is a Managing Director and Financial Advisor with The Windward Legacy Group at Morgan Stanley. Alan has keen insight and a vast depth of knowledge spanning a broad spectrum and scope of financial strategies, including tax and estate planning, investment management, asset protection, philanthropy planning and insurance. He draws on his extensive business background and acumen to bring clients a holistic wealth management approach by designing sophisticated strategies to help clients achieve their goals. Alan understands the complexities of building and preserving wealth and utilizes his experience in behavioral finance to take the time to educate his clients on the emotional challenges of wealth management. He is known for taking a unique storytelling approach to explain complex topics to his clients and for providing extraordinary client experiences. Alan takes pride in building meaningful relationships and aspires to be the receiver of the first call from clients for important life events.
Bringing more than three decades of broad financial services industry experience, Alan began his impressive career as an accountant and business manager for individuals and families primarily in the entertainment industry. Prior to Morgan Stanley, he worked for JP Morgan and Bear Stearns. In 2024, Alan was named to the Morgan Stanley’s prestigious Chairman’s Club, an elite group composed of the firm’s top Financial Advisors. He was also named to Morgan Stanley’s President’s Club from 2018-2023. Alan is honored to have been named by Barron's for six consecutive years as one of the country's Top 1000 Financial Advisors (2012 and 2013) and Top 1200 Financial Advisors (2014-2017). He graduated from the University of California San Diego with a B.A. in Quantitative Economics and Decision Science and earned an M.B.A. at New York University’s Stern School. He also is an instructor of various investment courses at University of California Los Angeles.
Alan grew up in Los Angeles area and now lives in Westlake Village with his wife. They have two adult children who they enjoy spending time with. Outside of the office, Alan also enjoys golfing, boating, traveling, sports and the great outdoors. He is an Eagle Scout and was recognized with the BSA Americanism Award. Alan cares deeply about his community and is an active volunteer. He is passionate about organizations that focus on youth education, leadership and outdoor experiences.
Bringing more than three decades of broad financial services industry experience, Alan began his impressive career as an accountant and business manager for individuals and families primarily in the entertainment industry. Prior to Morgan Stanley, he worked for JP Morgan and Bear Stearns. In 2024, Alan was named to the Morgan Stanley’s prestigious Chairman’s Club, an elite group composed of the firm’s top Financial Advisors. He was also named to Morgan Stanley’s President’s Club from 2018-2023. Alan is honored to have been named by Barron's for six consecutive years as one of the country's Top 1000 Financial Advisors (2012 and 2013) and Top 1200 Financial Advisors (2014-2017). He graduated from the University of California San Diego with a B.A. in Quantitative Economics and Decision Science and earned an M.B.A. at New York University’s Stern School. He also is an instructor of various investment courses at University of California Los Angeles.
Alan grew up in Los Angeles area and now lives in Westlake Village with his wife. They have two adult children who they enjoy spending time with. Outside of the office, Alan also enjoys golfing, boating, traveling, sports and the great outdoors. He is an Eagle Scout and was recognized with the BSA Americanism Award. Alan cares deeply about his community and is an active volunteer. He is passionate about organizations that focus on youth education, leadership and outdoor experiences.
Securities Agent: WI, DC, MD, WV, FL, GA, CA, PA, TN, NY, VA, NV, NM, WA, OH, MA, NJ, MO, ID, UT, SC, OR, MN, IL, CO, AZ, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 530389
NMLS#: 530389
About Shadi Mullin
Shadi is a Senior Vice President and Financial Advisor with The Windward Legacy Group at Morgan Stanley in the Beverly Hills office. Her talents in mathematics and finance serve as the foundation for managing client wealth. She leverages her access to many of the financial industry’s thought leaders to build investment models, and to help determine risk and return parameters. These insights have a direct influence in client portfolio weightings. Shadi is well known for doing her research, her meticulous preparation, and for her innate attention to detail. Shadi is dedicated to building client relationships, always finding opportunities to add additional client value and strives to solve the challenges that come with client wealth, no matter the complexity.
With more than two decades of wealth management experience, Shadi began her extensive career in 1999. Prior to Morgan Stanley, she worked for JP Morgan and Bear Stearns. A graduate of the University of Wisconsin, Shadi earned a B.S. degree in Economics with an emphasis in Mathematics.
Shadi grew up in Connecticut and Minnesota. She now lives in Beverly Hills with her adopted Terrier, Buddy. Outside of the office, she enjoys traveling, sailing and reading. Shadi is very active in her community and is passionate about volunteering at organizations committed to animal rescue, children’s issues and the arts.
With more than two decades of wealth management experience, Shadi began her extensive career in 1999. Prior to Morgan Stanley, she worked for JP Morgan and Bear Stearns. A graduate of the University of Wisconsin, Shadi earned a B.S. degree in Economics with an emphasis in Mathematics.
Shadi grew up in Connecticut and Minnesota. She now lives in Beverly Hills with her adopted Terrier, Buddy. Outside of the office, she enjoys traveling, sailing and reading. Shadi is very active in her community and is passionate about volunteering at organizations committed to animal rescue, children’s issues and the arts.
Securities Agent: TN, SC, MD, NJ, ID, AZ, FL, WV, PA, IL, OR, WA, UT, GA, DC, CO, TX, NY, NV, NM, MN, MA, OH, VA, MO, CA, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1113475
NMLS#: 1113475
About Jordan Justman
Jordan is a Vice President and Wealth Management Associate with The Windward Legacy Group at Morgan Stanley. He focuses on the investment and planning needs of the team's diverse group of clients. Jordan prepares client presentations, executes trades and interacts with clients in support of the team's commitment of exceptional service. Jordan credits his likeability and calm approach to problem solving as important components of his success in helping clients navigate the challenges of a complex market environment. These attributes have proved vital in assuming increased levels of responsibility, enabling him to make greater contributions to the team, and to the clients he serves.
With more than two decades of financial services experience, Jordan joined Morgan Stanley in 2017. Prior to Morgan Stanley, Jordan worked at both J.P. Morgan and Bear Stearns providing comprehensive support services for high-net-worth families and individuals.
Jordan grew up in the Los Angeles area and currently resides in Newbury Park. Outside of the office, he is an avid bowler and enjoys live theatre.
With more than two decades of financial services experience, Jordan joined Morgan Stanley in 2017. Prior to Morgan Stanley, Jordan worked at both J.P. Morgan and Bear Stearns providing comprehensive support services for high-net-worth families and individuals.
Jordan grew up in the Los Angeles area and currently resides in Newbury Park. Outside of the office, he is an avid bowler and enjoys live theatre.
About Jessica Shoemaker Gonzalez
Jessica is a Financial Planning Associate and Portfolio Associate with The Windward Legacy Group at Morgan Stanley Group. She focuses on the planning and investment needs of the team’s high-net-worth clients. Jessica’s many responsibilities include constructing and delivering financial plans, account management, investment research and providing extraordinary client service. Her goal is to ensure every client’s retirement and financial goals are understood. Jessica’s optimistic and amiable nature, paired with her driven personality allows her to approach tasks in the most efficient manner, and maintain meaningful client relationships.
Since joining Morgan Stanley in 2017, Jessica has earned the CERTIFIED FINANCIAL PLANNER® professional certification in order to serve her clients more deeply and to keep up with the latest strategies that may be available to her clients. She graduated from University of California, Los Angeles, with a B.A. degree in Economics and a minor in Global Studies.
Jessica grew up in a small town in Northern California and now lives in Marina del Rey with her husband and dog. Outside of the office, she enjoys hiking, traveling and spending time with friends and family.
Since joining Morgan Stanley in 2017, Jessica has earned the CERTIFIED FINANCIAL PLANNER® professional certification in order to serve her clients more deeply and to keep up with the latest strategies that may be available to her clients. She graduated from University of California, Los Angeles, with a B.A. degree in Economics and a minor in Global Studies.
Jessica grew up in a small town in Northern California and now lives in Marina del Rey with her husband and dog. Outside of the office, she enjoys hiking, traveling and spending time with friends and family.
CA Insurance License #: 4396989
About Adele Mussry
Adele is a Senior Client Associate with The Windward Legacy Group at Morgan Stanley Group. Her role focuses on providing support for opening and maintaining client accounts, as well as executing wire transfers, check requests and trades. She takes pride in having the right combination of market knowledge and the ability to prioritize and accomplish tasks on time. This combination, coupled with her personal attributes of patience, as well as an easy-going and confident manner, allow her to build meaningful relationships with every client she serves.
With more than two decades of financial services experience, Adele entered the financial services industry upon graduating from college. She attended State University of New York and earned a B.S. degree in Economics with a minor in Finance.
Adele and her husband live in Beverly Hills with their three children. When she isn't at the office or taking her kids to practice, she is either playing tennis, doing Pilates, or scuba diving. Adele is a former member of the American Israel Public Affairs Committee. She is passionate about supporting initiatives for the young men and women soldiers of Israel.
With more than two decades of financial services experience, Adele entered the financial services industry upon graduating from college. She attended State University of New York and earned a B.S. degree in Economics with a minor in Finance.
Adele and her husband live in Beverly Hills with their three children. When she isn't at the office or taking her kids to practice, she is either playing tennis, doing Pilates, or scuba diving. Adele is a former member of the American Israel Public Affairs Committee. She is passionate about supporting initiatives for the young men and women soldiers of Israel.
Contact Alan Solursh
Contact Shadi Mullin
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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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Family
Creating customized financial strategies for the challenges that today’s families face.
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- Long Term Care Insurance
- Special Needs Planning
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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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
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
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 Windward Legacy 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.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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.
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
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Alternative 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
14Investors 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.
15The 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.
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Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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.
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
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Alternative 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
14Investors 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.
15The 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.
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Awards Disclosures
CRC 6491812 (04/2024)