Shawn McCormick, CFP®
Senior Vice President, Wealth Advisor, Family Wealth Advisor
Phone:
(860) 313-7130(860) 313-7130
The Windward NE Group at Morgan Stanley
Our Mission Statement
To help simplify your financial life so you can spend more time doing the things you enjoy and that matter most to you.
Our Story
You’ve worked hard to earn your success, and you deserve to work with an team that will work just as hard on your behalf to help you grow and preserve the wealth you have built.
We work with you to understand your goals, needs and the values that are most important to you and your family.
The years before retirement are when important investment decisions need to be made, along with many other questions: What should you do with your 401(k)? When should you start your Social Security? What about tax planning, Medicare, and legacy planning? How long will your income-producing assets last? And, importantly, do you have enough to retire in a fashion consistent with your desired lifestyle? What strategies can help you get there?
As a you move from the accumulation phase to the distribution phase, we help you to preserve wealth and generate income.
Your relationship with us is built on three core values: integrity, objectivity and accountability. These values are the “cornerstone” of our relationship that always puts you and your goals at the front of our relationship.
In sailing terminology, windward means "upwind," or the direction from which the wind is blowing. As you and your family navigate your financial goals working with us to help keep you in a windward direction.
We work with you to understand your goals, needs and the values that are most important to you and your family.
The years before retirement are when important investment decisions need to be made, along with many other questions: What should you do with your 401(k)? When should you start your Social Security? What about tax planning, Medicare, and legacy planning? How long will your income-producing assets last? And, importantly, do you have enough to retire in a fashion consistent with your desired lifestyle? What strategies can help you get there?
As a you move from the accumulation phase to the distribution phase, we help you to preserve wealth and generate income.
Your relationship with us is built on three core values: integrity, objectivity and accountability. These values are the “cornerstone” of our relationship that always puts you and your goals at the front of our relationship.
In sailing terminology, windward means "upwind," or the direction from which the wind is blowing. As you and your family navigate your financial goals working with us to help keep you in a windward direction.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Asset Management
- Alternative InvestmentsFootnote3
- Sustainable InvestingFootnote4
- Life InsuranceFootnote5
- AnnuitiesFootnote6
- Trust Services*
- Cash ManagementFootnote7
- Business Succession PlanningFootnote8
- Corporate Retirement PlansFootnote9
- Lending Products
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Structured Planning Process
At The Windward NE Group, you and your family are at the center of our relationship and process. We collaborate with you and provide you with insightful guidance and resources to help turn your lifestyle goals into reality.
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 a suitable risk tolerance that will ultimately 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 all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring 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, which 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 and benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data 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 addressed.
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.
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.
Your Legacy
You’ve worked hard, saved, and protected your assets and as you think about your legacy, passing not only your wealth to your family, but also your values, you may want guidance and options from an experienced team. We can help you make it a priority to coordinate your financial and estate plan, by working closely with your CPA, attorney, and your beneficiaries to ensure that your wealth is managed according to your wishes.
Preparing for Your Meeting with an Estate Planning Attorney
Learn MoreCharitable Giving Overview
Learn MoreDonor Advised Funds
Learn MoreKeep More of What You Earn
You’ve built wealth over time to help meet the goals that matter to you. Converting that wealth to enable your dreams is often complex. Deciding which securities to liquidate and from what accounts can be daunting.
In which order should you withdraw from your accounts? Backed by our new technology, we can help find the optimal way to pull your money from your various accounts, performing analysis at the portfolio level, or across multiple accounts, helping you decide to perform tax-loss or gain harvesting at any point during the year.
The power of compounding can only work on the money you keep, not on the money you pay in taxes.
In which order should you withdraw from your accounts? Backed by our new technology, we can help find the optimal way to pull your money from your various accounts, performing analysis at the portfolio level, or across multiple accounts, helping you decide to perform tax-loss or gain harvesting at any point during the year.
The power of compounding can only work on the money you keep, not on the money you pay in taxes.
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2025 Federal Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 Federal Tax Tables
2025 Maximum Benefit and Contribution Limits
Take a look at the maximum benefit and contribution limits for retirement accounts up until the year of 2025. Click below to view.
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Access the 2025 Maximum Benefit and Contribution Limitsㅤ
Start Fresh Financially in 2025
Heading into 2025, it’s time to take stock of your budget, debt and investments—and check them against your financial goals.
These six steps can get you started
Financial Literacy
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Financial Literacy for any Stage of Your Life
Retirement Decumulation
A plan for decumulation is helpful to ensure that funds from your retirement savings last throughout your lifetime while meeting your financial needs. Without a well structured financial plan, retirees can potentially risk outliving their savings or compromising their desired lifestyle. A comprehensive plan integrates decumulation strategies with retirement goals, providing clarity and confidence for the future, which is why it is important to have a plan in place.
Read More
Cybersecurity for Seniors: A Guide for Loved Ones
Caring for elderly loved ones can encompass many aspects of their life, including physical health, mental well-being and personal finances. With a growing number of cyber predators targeting senior citizens, it’s important to also consider how you can protect them from fraud.
Learn how to protect your elderly loved ones.
Rules for Inherited IRAs
If you have inherited an IRA, we wanted to make you aware of the recently finalized rules published by the IRS. There are a number of rules that govern the process. The IRS regulations include answers to frequently asked questions. If you have any more questions or would like to discuss further, please feel free to reach out.
IRS Rules for Inherited IRAs
Summer 2024
Click Here
Winter 2025
Click HereOur comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we offer our clients.
Morgan Stanley Online (MSO)
Morgan Stanley Online allows you to conveniently and securely manage your account online or on your mobile device.
Learn More
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
Learn More
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
Learn More
eDelivery
eDelivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More
Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
Access Digital Vault
eAuthorizations
With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.
Enroll in eAuthorizationsLocation
433 South Main St.
Suite 100
West Hartford, CT 06110
US
Direct:
(860) 313-7159(860) 313-7159
Meet The Windward NE Group
Barbara Taylor-Hatje, ChFC®, CLTC*
Wealth Management Associate
Phone:
(860) 313-7114(860) 313-7114
Ann-Margaret Oken
Senior Client Service Associate
Phone:
(860) 313-7159(860) 313-7159
About Shawn McCormick
For more than 27 years, Shawn McCormick has been helping clients grow and preserve the wealth they have worked so hard to achieve. By developing a deep understanding of what his clients hope to accomplish with their wealth, Shawn is able to create and implement customized strategies that help them address their concerns, achieve their goals and adjust as needed as their life evolves or priorities change.
As a Certified Financial Planner™ practitioner, Shawn believes in the importance of planning and upholds a code of ethics that prioritizes his client’s best interests. He also holds a Family Wealth Advisor designation, which reflects his demonstrated ability to work closely with families to understand their circumstances—not just their finances, but also their individual and collective goals and how they may impact one another.
Shawn joined Morgan Stanley in 1995. Having spent his entire career at Morgan Stanley, he is well-positioned to navigate the firm and access whatever resources are required to help his clients pursue their personal and professional aspirations.
Shawn earned his Bachelor of Business Administration in finance, economics and marketing from the Isenberg School of Management at the University of Massachusetts Amherst.
Shawn lives in West Hartford, Connecticut, with his wife, two children and two dogs. He has been a member of the Estate and Business Planning Council of Hartford since 2009. When he’s not busy helping clients, Shawn enjoys traveling, sailing and skiing.
As a Certified Financial Planner™ practitioner, Shawn believes in the importance of planning and upholds a code of ethics that prioritizes his client’s best interests. He also holds a Family Wealth Advisor designation, which reflects his demonstrated ability to work closely with families to understand their circumstances—not just their finances, but also their individual and collective goals and how they may impact one another.
Shawn joined Morgan Stanley in 1995. Having spent his entire career at Morgan Stanley, he is well-positioned to navigate the firm and access whatever resources are required to help his clients pursue their personal and professional aspirations.
Shawn earned his Bachelor of Business Administration in finance, economics and marketing from the Isenberg School of Management at the University of Massachusetts Amherst.
Shawn lives in West Hartford, Connecticut, with his wife, two children and two dogs. He has been a member of the Estate and Business Planning Council of Hartford since 2009. When he’s not busy helping clients, Shawn enjoys traveling, sailing and skiing.
Securities Agent: VT, WV, WA, AK, AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, LA, MA, MD, ME, MI, MO, NC, NH, NJ, NV, NY, OH, PA, RI, SC, TX, UT, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 119130
NMLS#: 119130
About Phyllis F Long
Phyllis F. Long’s career in financial services began after she graduated from The University of Texas at Austin with a degree in Risk Management and Insurance. She brought the skills and insight gained from her experience working as an Insurance Underwriter at The Hartford into her current role as a Financial Advisor at Morgan Stanley, a position she has held since leaving The Hartford.
As a Certified Financial Planner™ and Senior Portfolio Manager, Phyllis’s responsibility is to create financial plans that take into account virtually all aspects of her clients’ financial lives. Her background as an underwriter combined with her experience as a Financial Advisor give her a broad understanding of how to balance risk and return in order to help reach client goals. By first articulating the personal and financial objectives of her clients, she is then able to work with them to create an asset allocation for their financial assets that is appropriate for what they are trying to achieve. Her comprehensive approach to overall wealth management includes the review of life insurance and annuities, as well as savings and spending plans.
Outside of work, Phyllis enjoys sailing, donating her time to the Hope 4 Life Food Pantry, and spending time with her family in Simsbury, where she lives with her husband, Jim.
Disclaimer:
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
As a Certified Financial Planner™ and Senior Portfolio Manager, Phyllis’s responsibility is to create financial plans that take into account virtually all aspects of her clients’ financial lives. Her background as an underwriter combined with her experience as a Financial Advisor give her a broad understanding of how to balance risk and return in order to help reach client goals. By first articulating the personal and financial objectives of her clients, she is then able to work with them to create an asset allocation for their financial assets that is appropriate for what they are trying to achieve. Her comprehensive approach to overall wealth management includes the review of life insurance and annuities, as well as savings and spending plans.
Outside of work, Phyllis enjoys sailing, donating her time to the Hope 4 Life Food Pantry, and spending time with her family in Simsbury, where she lives with her husband, Jim.
Disclaimer:
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Securities Agent: VA, GA, WA, PA, MO, RI, NV, IN, CT, CA, AK, NC, MI, HI, WV, NY, ME, MD, CO, MA, NJ, IL, FL, AZ, UT, TX, SC, NH, LA, KY, OH, VT, OK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 175811
CA Insurance License #: 0L93263
NMLS#: 175811
CA Insurance License #: 0L93263
About Barbara Taylor-Hatje
Barbara’s role is working with our clients to understand their lifestyle goals, priorities, values, attitudes, and expectations, creating their personal financial plan to help them reach their unique goals. She also reviews and adjusts each client’s plan according to their changing needs, life events and changing market conditions, to help keep our client’s financial plans relevant to them.
Barbara holds the Chartered Financial Consultant designation.* Coursework included retirement planning, investment planning, insurance planning, income taxation and estate planning strategies, each key aspects of the financial planning process, and requires continued education in the financial planning field.
Financial planning is one of her passions and is reflected in the relationship she builds and fosters with each client. She truly feels that what she does is not work, she enjoys coming to work, and finds it meaningful helping families to help meet their lifestyle goals.
In her spare time, Barbara is active in her church as a member of the finance committee and an usher. She enjoys West Coast Swing dancing and puttering around her yard weeding, as she hasn’t yet met a weed that she likes, planting and watering her flowers.
Disclaimer:
*This role cannot solicit or provide investment advice
Barbara holds the Chartered Financial Consultant designation.* Coursework included retirement planning, investment planning, insurance planning, income taxation and estate planning strategies, each key aspects of the financial planning process, and requires continued education in the financial planning field.
Financial planning is one of her passions and is reflected in the relationship she builds and fosters with each client. She truly feels that what she does is not work, she enjoys coming to work, and finds it meaningful helping families to help meet their lifestyle goals.
In her spare time, Barbara is active in her church as a member of the finance committee and an usher. She enjoys West Coast Swing dancing and puttering around her yard weeding, as she hasn’t yet met a weed that she likes, planting and watering her flowers.
Disclaimer:
*This role cannot solicit or provide investment advice
About Ann-Margaret Oken
Ann joined Morgan Stanley in 2022 as a Senior Client Service Associate. Ann has 13 years of experience in the Financial Industry. In her Client Service Associate role, she is responsible for frontline client relations support and account administration. Ann assists clients navigate our firm's industry-leading technology through our client website and digital planning tools.
Ann and her husband reside in West Hartford, Connecticut, and have 3 adult daughters. Ann enjoys traveling, volunteering, attending baseball games and spending time with family and friends.
Ann and her husband reside in West Hartford, Connecticut, and have 3 adult daughters. Ann enjoys traveling, volunteering, attending baseball games and spending time with family and friends.
Contact Shawn McCormick
Contact Phyllis F Long
Wealth Management
Global Investment Office
Portfolio Insights
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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
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 NE 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 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.
3Alternative 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.
4The 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
3Alternative 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.
4The 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
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Awards Disclosures
CRC 6491812 (04/2024)
