Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director, Alternative Investments Director
The Woodland Shores Wealth Management Group at Morgan Stanley
Direct:
(732) 936-3416(732) 936-3416
Toll-Free:
(800) 227-8588(800) 227-8588
Our Mission Statement
Our commitment is rooted in the belief that every client deserves not only financial expertise, but also a trusted partner on their journey to financial success. We strive to cultivate long-lasting relationships built on transparency, integrity and a deep understanding of our clients’ financial needs.
About Us
Elevate your financial journey with our exceptional client-centric approach. As your dedicated financial advisors, we don’t just manage your finances, we prioritize your goals, offer personalized strategies and ensure a high level of service tailored to your unique needs. Experience the difference of having a financial partner committed to your financial well-being, providing not only expert guidance but also a seamless and attentive client experience. Your financial success is our priority, and we’re here to make your journey both prosperous and stress-free.
The Woodland Shores Wealth Management Group at Morgan Stanley is comprised of senior advisors John Heavey, Terrence Dotzler, Christopher Parisi and Roxanne Grise. Our professional, experienced and multi-talented group works collaboratively to deliver comprehensive financial solutions. We possess a deep understanding of various financial instruments, market trends and risk mitigation strategies. A forward thinking, client centric approach characterizes our team’s ability to navigate evolving economic landscapes and deliver tailored solutions for each individual client.
The team carries accreditations including Family Wealth Director, Corporate Retirement Plan Director, Global Sports and Entertainment Director, Forbes Best-in-State Wealth Advisors in 2018, 2019, 2021, 2022 and Forbes Best-in-State Wealth Management Teams from 2023 - 2025. John Heavey, Terrence Dotzler, and Christopher Parisi are members of Morgan Stanley 2025 Master’s Club.
For a second opinion about your investments or to talk about your objectives, give us a call at 800-227-8588.
Forbes Best-In- State Wealth Advisors
2018, 2019, 2021, 2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure/)
The Woodland Shores Wealth Management Group at Morgan Stanley is comprised of senior advisors John Heavey, Terrence Dotzler, Christopher Parisi and Roxanne Grise. Our professional, experienced and multi-talented group works collaboratively to deliver comprehensive financial solutions. We possess a deep understanding of various financial instruments, market trends and risk mitigation strategies. A forward thinking, client centric approach characterizes our team’s ability to navigate evolving economic landscapes and deliver tailored solutions for each individual client.
The team carries accreditations including Family Wealth Director, Corporate Retirement Plan Director, Global Sports and Entertainment Director, Forbes Best-in-State Wealth Advisors in 2018, 2019, 2021, 2022 and Forbes Best-in-State Wealth Management Teams from 2023 - 2025. John Heavey, Terrence Dotzler, and Christopher Parisi are members of Morgan Stanley 2025 Master’s Club.
For a second opinion about your investments or to talk about your objectives, give us a call at 800-227-8588.
Forbes Best-In- State Wealth Advisors
2018, 2019, 2021, 2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure/)
Services Include
- Wealth PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Retirement PlanningFootnote5
- Business Succession PlanningFootnote6
- Executive Financial ServicesFootnote7
- Endowments and FoundationsFootnote8
- Cash Management and Lending ProductsFootnote9
- Corporate Investment SolutionsFootnote10
- Planning for Education FundingFootnote11
- Planning for Individuals with Special Needs
- Trust ServicesFootnote12
- Alternative InvestmentsFootnote13
- AnnuitiesFootnote14
- Life InsuranceFootnote15
- Long Term Care InsuranceFootnote16
- Certificates of DepositFootnote17
- Structured ProductsFootnote18
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
Working With You
We believe wealth management is a journey—and we’re in it for the long haul. We’re experienced, we’re young, and we’re ready to guide you for generations to come.
We handle every aspect of your financial needs—from insurance and investments, to education and retirement planning. That way you can focus what makes your life meaningful.
We handle every aspect of your financial needs—from insurance and investments, to education and retirement planning. That way you can focus what makes your life meaningful.
Financial Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving and living.
Asset Management
Our team will strategically design and manage your asset portfolio by taking a look at several factors, such as any unique circumstances, risks, and preferences.
Insurance Planning
Insurance planning can help protect you, your family and loved ones, your home, your assets, or your business against unexpected events.
*Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
*Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Estate Planning Strategies
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Working with an attorney to create an estate plan early is crucial as it helps ensure that your wishes are precisely reflected. Proper estate planning gives careful consideration to the your future plans, preferences and goals.
Cash Management & Lending Products
Cash Management & Lending Products can help with your overall investment strategy. We offer a suite of comprehensive lending solutions along with everyday cash management and liquidity services.
Business Succession Planning
Creating a sound succession plan for your business can help ensure that it continues to run smoothly and without interruption after retirement or an unexpected event.
OUR PROCESS, YOUR JOURNEY
Before we talk about investments, we want a deep understanding of you and your family. We want to know your needs, your dreams, and your time horizon. We ask questions and listen intently. Then we create a financial plan that is uniquely yours—tailored to help meet your objectives and manage risk. It’s a virtual road map that we monitor and adjust as needed to bridge the gap between where you are and where you want to be.
Committed to providing the highest level of personalized service, we are dedicated, thorough, and above all—accessible. We anticipate your needs, review portfolios frequently, and keep you informed of market conditions.
Committed to providing the highest level of personalized service, we are dedicated, thorough, and above all—accessible. We anticipate your needs, review portfolios frequently, and keep you informed of market conditions.
VALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online (MSO) & MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Morgan Stanley Online
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
GIC Monthly
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
Total Wealth View
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Digital Vault
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts on the Markets Podcast
Portfolio Risk Platform - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters. Portfolio Risk Platform – Powered by Blackrock's Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to help better enable risk to be effectively monitored and managed.
Portfolio Risk Platform – Powered by Blackrock's Aladdin
Reserved Living & Giving
Reserved Living & Giving is a complimentary loyalty program available to Morgan Stanley Clients. As a reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content and a variety of lifestyle and personal finance topics.
Reserved Living & GivingPlanning your future
Our team will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, our team is equipped with the resources and the knowledge to help you accomplish your personal and financial goal.
Understanding your Savings Vehicles
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you educate on ways to grow and preserve your wealth.
Learn more about 401k Strategies
The Psychological Transition into Retirement
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations and help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it’s important to be emotionally (not just financially) ready for retirement.
Risks to Your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Log in to Your Account
Impact of Taxes
The strategies you use when drawing down your retirement savings can have a significant impact on how much you’ll pay in taxes and may help you keep more of the returns. Each retiree’s situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Tax-Smart StrategiesLocation
20 Linden Place
Red Bank, NJ 07701
US
Direct:
(732) 936-3416(732) 936-3416
Toll-Free:
(800) 227-8588(800) 227-8588
150 Clove Road
Little Falls, NJ 07424
US
Direct:
(973) 890-8065(973) 890-8065
150 JFK Parkway
2nd Floor
Short Hills, NJ 07078
US
Direct:
(908) 518-5437(908) 518-5437
Meet The Woodland Shores Wealth Management Group
Terrence J Dotzler
Executive Director, Wealth Management, Financial Advisor, Financial Planning Specialist, Family Wealth Advisor, Portfolio Manager
Christopher J Parisi
Executive Director, Wealth Management, Financial Advisor, Financial Planning Specialist, Family Wealth Advisor
About John W Heavey
John Heavey is a Managing Director - Wealth Management advisor at the Morgan Stanley - branch in Red Bank, New Jersey. He is also one of the privileged financial advisors to have been awarded the exclusive distinction of Family Wealth Director. This designation is awarded to those advisors who have demonstrated the ability to advise the ultra high net worth client. John holds the Certified Financial Planner™ designation, has been named to The Forbes Best-In-State Wealth Advisors New Jersey 2024, and The Financial Times’ 2014 list of America’s Top 400 Financial Advisors.
John has been in the financial services industry for 37 years. Prior to joining Morgan Stanley in June of 2005, he was Senior Vice President and Wealth Management Advisor with Merrill Lynch Private Client Group for 18 years.
John focuses on working with high net worth individuals and families and providing solutions for clients in areas such as estate planning, retirement planning, philanthropy, liability management and hedging and monetization strategies.
John received his Bachelor of Arts degree from Furman University in 1981 and his Certified Financial Planner™ designation in 1986. He is a member of the Advisory Council to Interfaith Neighbors in Asbury Park, NJ, which is dedicated to aiding the working class poor of Monmouth County, New Jersey., John is a member of the Monmouth Medical Center Board of trustees and is former Chairman of the Monmouth Medical Finance Committee. He and his wife, Joanne, reside in Ocean Township, NJ.
Forbes Best-In-State Wealth Management Teams
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Source: Forbes.com (April 2024) 2024 Forbes Best-In-State Wealth Advisors rankings awarded in 2024. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/22 - 6/30/23.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2014) Data compiled by Financial Times based on time period from 9/30/12 - 9/30/13.
John has been in the financial services industry for 37 years. Prior to joining Morgan Stanley in June of 2005, he was Senior Vice President and Wealth Management Advisor with Merrill Lynch Private Client Group for 18 years.
John focuses on working with high net worth individuals and families and providing solutions for clients in areas such as estate planning, retirement planning, philanthropy, liability management and hedging and monetization strategies.
John received his Bachelor of Arts degree from Furman University in 1981 and his Certified Financial Planner™ designation in 1986. He is a member of the Advisory Council to Interfaith Neighbors in Asbury Park, NJ, which is dedicated to aiding the working class poor of Monmouth County, New Jersey., John is a member of the Monmouth Medical Center Board of trustees and is former Chairman of the Monmouth Medical Finance Committee. He and his wife, Joanne, reside in Ocean Township, NJ.
Forbes Best-In-State Wealth Management Teams
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Source: Forbes.com (April 2024) 2024 Forbes Best-In-State Wealth Advisors rankings awarded in 2024. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/22 - 6/30/23.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2014) Data compiled by Financial Times based on time period from 9/30/12 - 9/30/13.
Securities Agent: CO, IL, MA, KY, DE, CA, RI, MN, VT, GA, AZ, AL, WV, PA, MD, WA, TN, OH, NV, NJ, DC, OR, MO, FL, VA, NH, MI, KS, MS, NY, CT, TX, SC, NC, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255666
NMLS#: 1255666
About Terrence J Dotzler
I am an Executive Director, Family Wealth Advisor, Financial Advisor, Portfolio Manager and founding partner of The Woodland Shores Wealth Management Group at Morgan Stanley. With more than 18 years of financial services experience, I focus on comprehensive financial planning for individuals, retirees, and corporate executives. I’ve also been a member of Morgan Stanley’s Master’s Club since 2025.
A graduate of the University of Scranton, I earned a Bachelor of Science in Accounting and Finance. I began my financial services career as a Certified Public Accountant (no longer practicing) at PricewaterhouseCoopers before becoming a Financial Advisor in 2006. Since then, I have been recognized as one of Forbes’ Top 500 Next-Generation Wealth Advisors in 2017, 2018 and 2020, and as one of Forbes’ Best-in-State Wealth Advisors in 2018, 2019, 2021, 2022, 2023 and 2024.
Deeply committed to providing attentive client care, I build financial strategies that are tailored to meet each client’s unique needs and objectives. With the elite certification of Family Wealth Advisor, I specialize in strategies that help families navigate the transfer of wealth and shared values across generations.
Outside of work, I enjoy staying active in my community and love spending time with my wife Stephanie and our three children: Aidan, Quinn, and James. I serve as co-chair of the St. Leo Carnival Committee, and my kids keep me busy coaching little league, softball, and basketball.
Terrence J. Dotzler
Senior Vice President
Financial Advisor
Family Wealth Advisor
Portfolio Manager
Tel: (732) 936-3416
Email: Terrence.Dotzler@morganstanley.com
-Focuses on comprehensive financial planning to help clients reach short- and long-term goals.
-Graduate of University of Scranton, degrees in Accounting and Finance.
Forbes Best-In-State Wealth Management Teams
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure/)
2017, 2018, 2020 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2017, 2018, 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2018, 2019, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
A graduate of the University of Scranton, I earned a Bachelor of Science in Accounting and Finance. I began my financial services career as a Certified Public Accountant (no longer practicing) at PricewaterhouseCoopers before becoming a Financial Advisor in 2006. Since then, I have been recognized as one of Forbes’ Top 500 Next-Generation Wealth Advisors in 2017, 2018 and 2020, and as one of Forbes’ Best-in-State Wealth Advisors in 2018, 2019, 2021, 2022, 2023 and 2024.
Deeply committed to providing attentive client care, I build financial strategies that are tailored to meet each client’s unique needs and objectives. With the elite certification of Family Wealth Advisor, I specialize in strategies that help families navigate the transfer of wealth and shared values across generations.
Outside of work, I enjoy staying active in my community and love spending time with my wife Stephanie and our three children: Aidan, Quinn, and James. I serve as co-chair of the St. Leo Carnival Committee, and my kids keep me busy coaching little league, softball, and basketball.
Terrence J. Dotzler
Senior Vice President
Financial Advisor
Family Wealth Advisor
Portfolio Manager
Tel: (732) 936-3416
Email: Terrence.Dotzler@morganstanley.com
-Focuses on comprehensive financial planning to help clients reach short- and long-term goals.
-Graduate of University of Scranton, degrees in Accounting and Finance.
Forbes Best-In-State Wealth Management Teams
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure/)
2017, 2018, 2020 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2017, 2018, 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2018, 2019, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: MO, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KS, KY, MA, MD, ME, MI, MN, MT, NC, NH, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, WV, UT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1433340
CA Insurance License #: 0103862
NMLS#: 1433340
CA Insurance License #: 0103862
About Christopher J Parisi
I am an Executive Director, Family Wealth Advisor, Financial Advisor, and founding partner of The Dotzler Parisi Group at Morgan Stanley. With more than 20 years of experience in the financial services industry, I focus on customized wealth management strategies for corporate executives, small business owners, and families.
A graduate of the State University of New York at Albany, I joined Morgan Stanley shortly after earning a Bachelor of Science in Economics and a minor in Finance. Since then, I have been recognized for outstanding performance as a member of Morgan Stanley’s Pacesetters Club in 2009 and 2010. Most recently, I was named one of “America’s Top 500 Next-Generation Wealth Advisors” by Forbes Magazine in 2017, 2018, and 2020, and a "Best-In-State Wealth Advisors” by Forbes Magazine in 2021, 2022, 2023, and 2024.
I take pride in cultivating close relationships with my clients and helping them with all aspects of their financial lives. As a Family Wealth Advisor, I am a member of a group of Financial Advisors who focus on implementing customized strategies that help families grow, protect, and preserve their wealth across generations.
Outside of the office, my wife Eliana and I currently reside in Cedar Grove, where we are raising our four sons Christopher, Nicholas, Camden & Braden. I love spending time with my family, coaching my boys, and I am an avid fisherman (when I find time).
Forbes Best-In-State Wealth Management Teams
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure/)
(2017, 2018 and 2020) Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2017, 2018 and 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
(2021,2022,2023,2024) Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2021,2022,2023,2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
A graduate of the State University of New York at Albany, I joined Morgan Stanley shortly after earning a Bachelor of Science in Economics and a minor in Finance. Since then, I have been recognized for outstanding performance as a member of Morgan Stanley’s Pacesetters Club in 2009 and 2010. Most recently, I was named one of “America’s Top 500 Next-Generation Wealth Advisors” by Forbes Magazine in 2017, 2018, and 2020, and a "Best-In-State Wealth Advisors” by Forbes Magazine in 2021, 2022, 2023, and 2024.
I take pride in cultivating close relationships with my clients and helping them with all aspects of their financial lives. As a Family Wealth Advisor, I am a member of a group of Financial Advisors who focus on implementing customized strategies that help families grow, protect, and preserve their wealth across generations.
Outside of the office, my wife Eliana and I currently reside in Cedar Grove, where we are raising our four sons Christopher, Nicholas, Camden & Braden. I love spending time with my family, coaching my boys, and I am an avid fisherman (when I find time).
Forbes Best-In-State Wealth Management Teams
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure/)
(2017, 2018 and 2020) Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2017, 2018 and 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
(2021,2022,2023,2024) Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2021,2022,2023,2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: TX, WV, WA, VT, VA, TN, SC, RI, PA, OR, OH, NY, NV, NJ, NH, NC, MO, MN, MI, ME, MD, MA, LA, KY, KS, IL, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1398708
CA Insurance License #: 4194226
NMLS#: 1398708
CA Insurance License #: 4194226
About Roxanne Grise
I am a Vice President, Global Sports and Entertainment Director, Family Wealth Director, Corporate Retirement Director, Financial Planning Specialist, and Financial Advisor. Registered since 2001, I focus on maintaining effective client relationships, portfolio management, and custom financial planning.
I am a graduate of Boston University, and later earned my MBA from Wagner College. I began my career in financial services after graduate school. I have over 21 years of experience in financial services and have been with Morgan Stanley for more than 15 years.
I am dedicated to delivering highly personalized service and attentive care. I have extensive experience working closely with clients during all aspects of the financial planning process.
My goal is to cultivate relationships, resolve inquiries, and guide my clients through financial plans, risk reports, and investment strategies. I am diligent and detail-oriented, keeping clients informed, supported, and on track with their larger financial goals every step of the way.
Outside of work, I enjoy spending time with my husband and daughter. I am active in my local community, serving as an organizer for the Carnival Committee for Saint Leo the Great. I enjoy traveling and working out.
I am a graduate of Boston University, and later earned my MBA from Wagner College. I began my career in financial services after graduate school. I have over 21 years of experience in financial services and have been with Morgan Stanley for more than 15 years.
I am dedicated to delivering highly personalized service and attentive care. I have extensive experience working closely with clients during all aspects of the financial planning process.
My goal is to cultivate relationships, resolve inquiries, and guide my clients through financial plans, risk reports, and investment strategies. I am diligent and detail-oriented, keeping clients informed, supported, and on track with their larger financial goals every step of the way.
Outside of work, I enjoy spending time with my husband and daughter. I am active in my local community, serving as an organizer for the Carnival Committee for Saint Leo the Great. I enjoy traveling and working out.
Securities Agent: MN, WV, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, KS, KY, MA, MD, AK, ME, MI, MO, NC, NH, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2133776
CA Insurance License #: 4180473
NMLS#: 2133776
CA Insurance License #: 4180473
About Tyler Dalzell
I am a Financial Adviser for The Woodland Shores Wealth Management Group at Morgan Stanley. With five years of experience in the financial services industry, I focus on customized wealth management strategies for families, individuals and small businesses.
A graduate of Towson University in 2019, I earned a Bachelor of Science in Business Administration with a concentration in Finance. I began my financial services career as financial services representative at T. Rowe Price in Baltimore, Maryland. I focused directly with helping families with their college investment plans (529’s). In Early 2022, I switched focus on servicing one type of investment vehicle, to providing top to bottom financial advice, servicing, and planning for a multitude of investment products and needs.
With The Woodland Shores Wealth Management Group, I specialize in tailored financial strategies that help clients and families grow, preserve, and protect their wealth. Each strategy is unique and has a focal point that most closely aligns with your goals. It’s my goal to be their every step of the way so you can focus on the other important obstacles of your life.
Outside of the office, I love traveling to visit my parents and two older sisters in Nashville, Tennessee. Aside from traveling, you can find me on the golf course in the warmer months, skiing in the colder months, working out, spending time with my closest friends, or watching my favorite NY sports teams. I currently reside in Weehawken, New Jersey.
A graduate of Towson University in 2019, I earned a Bachelor of Science in Business Administration with a concentration in Finance. I began my financial services career as financial services representative at T. Rowe Price in Baltimore, Maryland. I focused directly with helping families with their college investment plans (529’s). In Early 2022, I switched focus on servicing one type of investment vehicle, to providing top to bottom financial advice, servicing, and planning for a multitude of investment products and needs.
With The Woodland Shores Wealth Management Group, I specialize in tailored financial strategies that help clients and families grow, preserve, and protect their wealth. Each strategy is unique and has a focal point that most closely aligns with your goals. It’s my goal to be their every step of the way so you can focus on the other important obstacles of your life.
Outside of the office, I love traveling to visit my parents and two older sisters in Nashville, Tennessee. Aside from traveling, you can find me on the golf course in the warmer months, skiing in the colder months, working out, spending time with my closest friends, or watching my favorite NY sports teams. I currently reside in Weehawken, New Jersey.
Securities Agent: AK, NH, AZ, TX, NC, CT, TN, VA, FL, NE, OH, PA, WI, ND, NY, HI, DE, DC, AL, RI, NV, IA, MN, VT, KS, ME, WA, OR, MI, WV, MO, WY, SC, MA, LA, IL, GA, CO, NJ, MD, CA, VI; General Securities Representative; Investment Advisor Representative
NMLS#: 2407413
NMLS#: 2407413
About Tony Alessandra
Tony Alessandra is a Wealth Management Analyst with The Woodland Shores Wealth Management Group at Morgan Stanley. He focuses on comprehensive wealth management, retirement planning, and portfolio analysis.
A graduate of County College of Morris with a degree in Communications, Tony has a meticulous attention to detail. He focuses on financial planning strategies that are carefully crafted to meet each client’s unique needs, objectives, and risk tolerance. Throughout this process, he maintains a high level of communication with clients to ensure that their financial plans stay aligned with their vision for the future.
Outside of work, Tony roots for the Mets during baseball season, the Giants during football season. Since his two children are both grown and married, Tony currently enjoys raising two golden retrievers.
A graduate of County College of Morris with a degree in Communications, Tony has a meticulous attention to detail. He focuses on financial planning strategies that are carefully crafted to meet each client’s unique needs, objectives, and risk tolerance. Throughout this process, he maintains a high level of communication with clients to ensure that their financial plans stay aligned with their vision for the future.
Outside of work, Tony roots for the Mets during baseball season, the Giants during football season. Since his two children are both grown and married, Tony currently enjoys raising two golden retrievers.
About Connie Joyce
With more than 20 years of industry experience, Connie has been a vital member working with John Heavey. She collaborates directly with the team’s clients to address their investment and portfolio related questions, and to execute their trade orders. She also helps implement custom managed portfolios as well as Alternative Investments. Connie also creates the financial planning LifeView plans for the team. She works to deliver outstanding service experience to clients of the Woodland Shores Group with various day to day operations. Connie has long lasting relationships with her clients. She holds her Series 7, 63, 66 as well as Life & Health Insurance licenses, as well as speaks fluent Spanish.
Connie was a 7-time All American swimmer in college, where she served as team captain for 3 years. She loves to travel especially abroad with her two children, Tristan, and Lauren. Connie is an avid sports fan, enjoying hockey, football and F1 especially. Connie plans to continue her traveling adventures.
Connie was a 7-time All American swimmer in college, where she served as team captain for 3 years. She loves to travel especially abroad with her two children, Tristan, and Lauren. Connie is an avid sports fan, enjoying hockey, football and F1 especially. Connie plans to continue her traveling adventures.
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Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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
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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
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 Woodland Shores Wealth Management 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 (“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.
7Morgan 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.
8Morgan 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.
9Morgan 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
10Morgan 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.
11When 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.
12Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
13Alternative 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.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Investors 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.
18Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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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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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 (“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.
7Morgan 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.
8Morgan 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.
9Morgan 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
10Morgan 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.
11When 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.
12Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
13Alternative 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.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Investors 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.
18Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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)
