Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director, Senior Investment Management Consultant, Senior Portfolio Management Director, Lending Specialist
The Winter Park Group at Morgan Stanley
The Winter Park Difference
The Winter Park Group has been working together to help clients reach their financial goals since 1990. The team’s financial advisors bring together their collective knowledge and experience to give clients a unique experience from the first meeting. Robert and Kent utilize their extensive education and involvement teaching financial planning and investing classes at various institutions to introduce the financial planning process from an educational perspective.
Robert and Kent are able to put the combination of a CFP©, CIMA© and CFA© designations together to implement a holistic service model that assists their clients with not only investments, but tax efficiency, asset allocation and risk management as well. The team approaches financial planning as a collaborative process to help maximize a Client’s potential for meeting life goals through smart financial advice that integrates relevant elements of the Client’s personal and financial circumstances. The process begins by developing a plan and then applying investment selection combined with asset allocation while consistently remaining tax aware with ongoing monitoring to ensure that a client’s plan is still aligned with their goals as cost effectively as possible. Finally, each portfolio manager sets themselves apart with their own portfolio structure developed and refined over many years.
With over thirty-four years of portfolio management experience and an extensive academic background, which includes an MBA and a Masters of Applied Economics, Kent manages each client’s portfolio using Modern Portfolio Theory, assessing risk and return ratios to match each client’s short and long term goals. Relying on historical economic cycles, his portfolios combine active and passive indexing strategies to focus on returns, as well as market risk. Kent developed his investment portfolio in 1994 and continues his portfolio strategies exactly the same today.
After helping Clients navigate the difficult 2001 Tech Bubble and the 2008 Financial Crisis the team began to consider other risk management strategies. Over the last 10 years Robert developed and refined a suite of quantitative tactical models designed to benefit from the dissimilar return streams of low or non-correlated beta factors. Each model is rules based with a systematic rebalance. The models are adaptive in nature by adjusting to different market conditions in composition, including the ability to move to cash in bear markets. Robert employs a direct indexing strategy that owns the underlying positions within the index or combination of indexes they follow which allows the opportunity to participate in individual stock growth, take advantage of dividends and tax efficiently manage gains / losses on an individual position basis.
The Winter Park Group has clients across the country and supports several philanthropic organizations. Outside of the office, the team enjoys taking some time off trekking and mountaineering together. For the team’s 20th anniversary, Robert and Kent took a trip to Tanzania, Africa to climb Mount Kilimanjaro.
If you have over $500,000 of investable assets and would be interested in our portfolios or direct indexing strategies we would welcome the opportunity to review your current situation to see how we can help achieve your financial goals. To learn more contact us today.
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Holdings are subject to change daily, so any securities discussed in this material may or may not be included in your account if you invest in this investment strategy. Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions. Do not assume that any holdings mentioned were, or will be, profitable.
The performance, holdings, sector weightings, portfolio traits and other data for an actual account may differ from that in this material due to various factors including the size of an account, cash flows within an account, and restrictions on an account.
Top holdings, sector allocation, portfolio statistics and credit quality are based on the recommended portfolio for new investors as of the date specified. Holdings lists indicate the largest security holdings by allocation weight as of the specified date. Other data in this material is believed to be accurate as of the date this material was prepared unless stated otherwise. Data in this material may be calculated by Morgan Stanley or by third party providers licensed by the Financial Advisors or Morgan Stanley.
Material in this presentation has been obtained from sources that we believe to be reliable, but we do not guarantee its accuracy, completeness or timeliness. Third party data providers make no warranties or representations relating to the accuracy, completeness or timeliness of the data they provide and are not liable for any damages relating to this data.
Morgan Stanley Wealth Management has no obligation to notify you when information in this presentation changes.
Indices are unmanaged. An investor cannot invest directly in an index.
Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax or legal advisor.
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general economic environment. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice.
Robert and Kent are able to put the combination of a CFP©, CIMA© and CFA© designations together to implement a holistic service model that assists their clients with not only investments, but tax efficiency, asset allocation and risk management as well. The team approaches financial planning as a collaborative process to help maximize a Client’s potential for meeting life goals through smart financial advice that integrates relevant elements of the Client’s personal and financial circumstances. The process begins by developing a plan and then applying investment selection combined with asset allocation while consistently remaining tax aware with ongoing monitoring to ensure that a client’s plan is still aligned with their goals as cost effectively as possible. Finally, each portfolio manager sets themselves apart with their own portfolio structure developed and refined over many years.
With over thirty-four years of portfolio management experience and an extensive academic background, which includes an MBA and a Masters of Applied Economics, Kent manages each client’s portfolio using Modern Portfolio Theory, assessing risk and return ratios to match each client’s short and long term goals. Relying on historical economic cycles, his portfolios combine active and passive indexing strategies to focus on returns, as well as market risk. Kent developed his investment portfolio in 1994 and continues his portfolio strategies exactly the same today.
After helping Clients navigate the difficult 2001 Tech Bubble and the 2008 Financial Crisis the team began to consider other risk management strategies. Over the last 10 years Robert developed and refined a suite of quantitative tactical models designed to benefit from the dissimilar return streams of low or non-correlated beta factors. Each model is rules based with a systematic rebalance. The models are adaptive in nature by adjusting to different market conditions in composition, including the ability to move to cash in bear markets. Robert employs a direct indexing strategy that owns the underlying positions within the index or combination of indexes they follow which allows the opportunity to participate in individual stock growth, take advantage of dividends and tax efficiently manage gains / losses on an individual position basis.
The Winter Park Group has clients across the country and supports several philanthropic organizations. Outside of the office, the team enjoys taking some time off trekking and mountaineering together. For the team’s 20th anniversary, Robert and Kent took a trip to Tanzania, Africa to climb Mount Kilimanjaro.
If you have over $500,000 of investable assets and would be interested in our portfolios or direct indexing strategies we would welcome the opportunity to review your current situation to see how we can help achieve your financial goals. To learn more contact us today.
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Holdings are subject to change daily, so any securities discussed in this material may or may not be included in your account if you invest in this investment strategy. Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions. Do not assume that any holdings mentioned were, or will be, profitable.
The performance, holdings, sector weightings, portfolio traits and other data for an actual account may differ from that in this material due to various factors including the size of an account, cash flows within an account, and restrictions on an account.
Top holdings, sector allocation, portfolio statistics and credit quality are based on the recommended portfolio for new investors as of the date specified. Holdings lists indicate the largest security holdings by allocation weight as of the specified date. Other data in this material is believed to be accurate as of the date this material was prepared unless stated otherwise. Data in this material may be calculated by Morgan Stanley or by third party providers licensed by the Financial Advisors or Morgan Stanley.
Material in this presentation has been obtained from sources that we believe to be reliable, but we do not guarantee its accuracy, completeness or timeliness. Third party data providers make no warranties or representations relating to the accuracy, completeness or timeliness of the data they provide and are not liable for any damages relating to this data.
Morgan Stanley Wealth Management has no obligation to notify you when information in this presentation changes.
Indices are unmanaged. An investor cannot invest directly in an index.
Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax or legal advisor.
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general economic environment. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
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Our goal is simple: “To be the firm where the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their life goals.” The Firm strives to ensure it serves clients on market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
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Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
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Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started TodayYour Wealth Management Team
Family Wealth Director is a rare distinction, earned by less than 5% of Morgan Stanley’s 16,000 Financial Advisors. The designation is given to those who have extensive experience working with ultra-high net worth families, and who have undergone specialized training. Family Wealth Directors then have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
As your Family Wealth Director, Robert Harvie will work with you and your family to develop a comprehensive plan that incorporates issues of family dynamics, wealth transfer, asset protection strategies, and location and business succession planning. The focus will be on helping you:
1) Maintain family unity across generations
2) Easing administration burdens by managing some of the most complex aspects of your life
3) Protect your assets and transfer them efficiently to the next generation and the causes and institutions you support
4) Develop strategies that pass down family values as well as family assets
5) Access specialized ultra-high net worth resources and strategies tailored specifically to your needs and goals
Just as a business owner has a thorough knowledge of a company’s opportunities, risks, capital structure and financial objectives, your Family Wealth Director begins by developing a similar understanding of you and your family. Robert translates this knowledge into strategy and process and works with you to help manage not only your investments but also your balance sheet and liquidity needs. The global resources of Morgan Stanley and coordination with outside advisors will likely include specialists in areas such as risk management, customized liquidity strategies and income and estate taxation.
We are dedicated to providing you with strategies and resources that can help you achieve your retirement goals in today’s changing financial environment. The Retirement Standard is meant to help connect all the pieces of your financial life with a comprehensive plan of action designed to help put you on a path to the retirement you envision.
As your Family Wealth Director, Robert Harvie will work with you and your family to develop a comprehensive plan that incorporates issues of family dynamics, wealth transfer, asset protection strategies, and location and business succession planning. The focus will be on helping you:
1) Maintain family unity across generations
2) Easing administration burdens by managing some of the most complex aspects of your life
3) Protect your assets and transfer them efficiently to the next generation and the causes and institutions you support
4) Develop strategies that pass down family values as well as family assets
5) Access specialized ultra-high net worth resources and strategies tailored specifically to your needs and goals
Just as a business owner has a thorough knowledge of a company’s opportunities, risks, capital structure and financial objectives, your Family Wealth Director begins by developing a similar understanding of you and your family. Robert translates this knowledge into strategy and process and works with you to help manage not only your investments but also your balance sheet and liquidity needs. The global resources of Morgan Stanley and coordination with outside advisors will likely include specialists in areas such as risk management, customized liquidity strategies and income and estate taxation.
We are dedicated to providing you with strategies and resources that can help you achieve your retirement goals in today’s changing financial environment. The Retirement Standard is meant to help connect all the pieces of your financial life with a comprehensive plan of action designed to help put you on a path to the retirement you envision.
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
Location
250 S Park Avenue
Suite 500
Winter Park, FL 32789
US
Direct:
(407) 740-4927(407) 740-4927
Meet The Winter Park Group
About Robert Harvie
Robert has been a member of the financial services industry for over 25 years. As a Financial Advisor with Morgan Stanley, he offers a full suite of financial planning and investment services to individual clients, institutions, foundations and endowments. He has earned the distinctions of Certified Financial Planner™ practitioner and Certified Investment Manager Analyst designee, as well as a Master of Business Administration Degree from the Crummer School of Business at Rollins College and is a member of the Firm’s Masters Club. Sometimes the financial concerns that are most important to your family fall outside the traditional bounds of a brokerage relationship; like transferring a family business to the next generation, creating an estate plan to minimize the potential for sibling conflict, or refining your philanthropic goals and strategies. Addressing these concerns requires specialized knowledge, experience and commitment.
Robert Harvie has earned Morgan Stanley’s Family Wealth Director (FWD) designation. One of fewer than 4% of Morgan Stanley Financial Advisors to have earned the Family Wealth Director (FWD) designation. Robert has accumulated the experience and undergone the rigorous training to better assist you and your family with a broader spectrum of wealth management issues. Robert has demonstrated a sophisticated approach to the management of significant wealth that helps to set him apart from others within the industry.
Prior to joining Morgan Stanley, Robert’s 19 year career as Vice President and Wealth Advisor at Merrill Lynch was distinguished by successive appointments to the Executive’s Club, the President’s Club and the Chairman’s Club.
Robert Harvie is a life-long Central Floridian who resides in Winter Park with his wife, Catherine, and their two sons, Robert and William. Mr. Harvie enjoys boating, water sports, triathlon training and mountain climbing.
Robert Harvie has earned Morgan Stanley’s Family Wealth Director (FWD) designation. One of fewer than 4% of Morgan Stanley Financial Advisors to have earned the Family Wealth Director (FWD) designation. Robert has accumulated the experience and undergone the rigorous training to better assist you and your family with a broader spectrum of wealth management issues. Robert has demonstrated a sophisticated approach to the management of significant wealth that helps to set him apart from others within the industry.
Prior to joining Morgan Stanley, Robert’s 19 year career as Vice President and Wealth Advisor at Merrill Lynch was distinguished by successive appointments to the Executive’s Club, the President’s Club and the Chairman’s Club.
Robert Harvie is a life-long Central Floridian who resides in Winter Park with his wife, Catherine, and their two sons, Robert and William. Mr. Harvie enjoys boating, water sports, triathlon training and mountain climbing.
Securities Agent: NV, CA, OR, NC, AL, MT, MN, VT, NJ, NH, FL, UT, TN, MO, MD, KY, IA, GA, KS, ID, WA, TX, MS, ME, IL, DC, CO, AR, WY, WI, VA, NY, MI, HI, AZ, PA, IN, OK, OH, MA, DE, PR, WV, SC, RI, LA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1297920
NMLS#: 1297920
About Kent Akins
Thirty-six years of portfolio management experience and an extensive academic background give Kent Akins a sound approach in any market. Kent received his Master of Business Administration degree in 1991 at the Crummer School of Business at Rollins College and a Master of Applied Economics degree from the University of Central Florida in 2001. Additionally, Kent Akins has completed and received the prestigious Chartered Financial Analyst® designation.
With an emphasis on consistent communication and excellence in service, Kent Akins manages each client’s assets using Modern Portfolio Theory, assessing risk and return ratios to match each client’s short and long term goals. “Our comprehensive financial planning approach to managing our high net worth clients means that we go beyond portfolio management and work with our clients’ complete financial picture” says Kent Akins. Prior to joining Morgan Stanley as a Wealth Advisor and First Vice President in 2009, Kent was a Vice President and Wealth Management Advisor at Merrill Lynch for 19 years, earning positions in the Executive Club, President’s Club and Chairman’s Club. Also, Kent has enjoyed teaching at the Hamilton Holt School at Rollins College and The University of Central Florida.
Kent lives in Maitland with his wife, Teresa, and his daughter, Macy. In his free time, he serves on the Board of Directors for Agua Viva Serves, responsible for 95 completed operating water wells impacting nearly 10,000 people in the Los Chile, Costa Rica. Kent is also an avid amateur mountain climber summiting three of the seven summits of the world.
With an emphasis on consistent communication and excellence in service, Kent Akins manages each client’s assets using Modern Portfolio Theory, assessing risk and return ratios to match each client’s short and long term goals. “Our comprehensive financial planning approach to managing our high net worth clients means that we go beyond portfolio management and work with our clients’ complete financial picture” says Kent Akins. Prior to joining Morgan Stanley as a Wealth Advisor and First Vice President in 2009, Kent was a Vice President and Wealth Management Advisor at Merrill Lynch for 19 years, earning positions in the Executive Club, President’s Club and Chairman’s Club. Also, Kent has enjoyed teaching at the Hamilton Holt School at Rollins College and The University of Central Florida.
Kent lives in Maitland with his wife, Teresa, and his daughter, Macy. In his free time, he serves on the Board of Directors for Agua Viva Serves, responsible for 95 completed operating water wells impacting nearly 10,000 people in the Los Chile, Costa Rica. Kent is also an avid amateur mountain climber summiting three of the seven summits of the world.
Securities Agent: AZ, VT, MS, FL, OH, KY, GA, WY, SC, MD, MA, IN, AR, WI, UT, TX, TN, NV, IL, HI, AL, WA, PA, OR, OK, MI, DC, NC, LA, IA, WV, MT, MO, CO, MN, CA, NY, NJ, VA, RI, ME, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1310684
NMLS#: 1310684
About Jordan Scott
Securities Agent: NV, MI, GA, FL, NY, NJ, MA, AR, AL, SC, PA, OR, NC, MN, UT, RI, MO, WY, WV, OK, HI, WA, TN, MT, CA, AZ, VT, MS, MD, LA, IN, KY, DE, CO, WI, TX, IL, VA, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1935339
NMLS#: 1935339
About Luis Alvarez
Luis Alvarez is a Registered Client Service Associate with Morgan Stanley. He assists clients with effectively navigating the various services that the Firm provides as well as other general requests and inquiries.
Luis was born in San Juan, Puerto Rico and raised on the east coast of PR. He moved to Kissimmee, Florida in 2010. His interest for finance began in high school and was stoked through avid market research. Specifically, he developed a passion for technical analysis, order flows, and options. Luis earned his A.S. in Business Administration and his B.A. in Business and Organizational Leadership. Luis previously worked for Charles Schwab as a broker on the retail line with a focus on exceptional customer service including account maintenance, trading, money movement, and other client requests. In his free time, he enjoys spending time with his family and friends, playing basketball and weightlifting.
Luis was born in San Juan, Puerto Rico and raised on the east coast of PR. He moved to Kissimmee, Florida in 2010. His interest for finance began in high school and was stoked through avid market research. Specifically, he developed a passion for technical analysis, order flows, and options. Luis earned his A.S. in Business Administration and his B.A. in Business and Organizational Leadership. Luis previously worked for Charles Schwab as a broker on the retail line with a focus on exceptional customer service including account maintenance, trading, money movement, and other client requests. In his free time, he enjoys spending time with his family and friends, playing basketball and weightlifting.
About Lana Bull
Lana Bull began her career as a registered representative in 2007 at Bank of America in Charlotte, NC and in 2010 joined Charles Schwab in Maitland, FL. She started with Morgan Stanley in 2018 as a Registered Service Associate and became a Client Service Associate in 2021. In 2024, she joined the Winter Park Group as a Senior Registered Client Service Associate. Her primary responsibility is to handle daily operational and administrative responsibilities. She holds both the Series 7 and 66 licenses.
Lana graduated from UNC Charlotte with a Bachelor of Science in Business Administration degree Finance with a minor in Economics.
In her free time, Lana enjoys traveling and spending time with her family and friends.
Lana graduated from UNC Charlotte with a Bachelor of Science in Business Administration degree Finance with a minor in Economics.
In her free time, Lana enjoys traveling and spending time with her family and friends.
Contact Robert Harvie
Contact Kent Akins
Contact Jordan Scott
Wealth Management
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Winter Park 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.
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.
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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.
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CRC 6491812 (04/2024)
